(ENVA) Enova International - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US29357K1034
Stock: Installment Loans, Line Of Credit, Money Transfer, Credit Services
Total Rating 56
Risk 39
Buy Signal 0.57
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 39.6% |
| Relative Tail Risk | -9.40% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.88 |
| Alpha | 20.80 |
| Character TTM | |
|---|---|
| Beta | 1.343 |
| Beta Downside | 1.517 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.01% |
| CAGR/Max DD | 1.30 |
Description: ENVA Enova International January 12, 2026
Enova International (ENVA) is a Chicago-based fintech that delivers online consumer credit products-including installment loans, revolving lines of credit, and cash-advance services-across the United States, Brazil, and other markets. Its portfolio is sold under brands such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic and Pangea, and it also offers loan-origination support for third-party lenders and money-transfer capabilities.
Key metrics as of FY 2023 show total loan originations of roughly $2.1 billion, a net interest margin of about 12 %, and a delinquency rate hovering near 7 %-both metrics that tend to track macro-credit conditions and consumer-spending trends. The business is sensitive to U.S. interest-rate cycles (higher rates can suppress demand for unsecured credit) and to regulatory developments in the near-prime segment, where tighter underwriting standards can affect growth.
For a deeper quantitative view of ENVA’s financial health and valuation dynamics, explore the ENVA page on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 308.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.27 > 0.02 and ΔFCF/TA -1.00 > 1.0 |
| NWC/Revenue: -8.45% < 20% (prev 162.9%; Δ -171.4% < -1%) |
| CFO/TA 0.28 > 3% & CFO 1.82b > Net Income 308.4m |
| Net Debt (4.43b) to EBITDA (529.8m): 8.36 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.4m) vs 12m ago -4.73% < -2% |
| Gross Margin: 50.13% > 18% (prev 0.47%; Δ 4967 % > 0.5%) |
| Asset Turnover: 53.72% > 50% (prev 50.47%; Δ 3.25% > 0%) |
| Interest Coverage Ratio: 1.44 > 6 (EBITDA TTM 529.8m / Interest Expense TTM 339.3m) |
Altman Z'' 1.71
| A: -0.04 (Total Current Assets 71.7m - Total Current Liabilities 337.9m) / Total Assets 6.47b |
| B: 0.31 (Retained Earnings 2.01b / Total Assets 6.47b) |
| C: 0.08 (EBIT TTM 488.0m / Avg Total Assets 5.87b) |
| D: 0.39 (Book Value of Equity 2.00b / Total Liabilities 5.13b) |
| Altman-Z'' Score: 1.71 = BBB |
Beneish M 1.00
| DSRI: 72.92 (Receivables 5.51b/63.8m, Revenue 3.15b/2.66b) |
| GMI: 0.93 (GM 50.13% / 46.62%) |
| AQI: 16.09 (AQ_t 0.96 / AQ_t-1 0.06) |
| SGI: 1.19 (Revenue 3.15b / 2.66b) |
| TATA: -0.23 (NI 308.4m - CFO 1.82b) / TA 6.47b) |
| Beneish M-Score: 64.94 (Cap -4..+1) = D |
What is the price of ENVA shares?
As of February 09, 2026, the stock is trading at USD 161.10 with a total of 243,932 shares traded.
Over the past week, the price has changed by -6.54%, over one month by -2.26%, over three months by +26.79% and over the past year by +41.64%.
Over the past week, the price has changed by -6.54%, over one month by -2.26%, over three months by +26.79% and over the past year by +41.64%.
Is ENVA a buy, sell or hold?
Enova International has received a consensus analysts rating of 4.50.
Therefore, it is recommended to buy ENVA.
- StrongBuy: 5
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ENVA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 193.7 | 20.2% |
| Analysts Target Price | 193.7 | 20.2% |
| ValueRay Target Price | 230.1 | 42.8% |
ENVA Fundamental Data Overview February 09, 2026
P/E Trailing = 13.9844
P/E Forward = 10.2249
P/S = 2.6716
P/B = 2.9787
Revenue TTM = 3.15b USD
EBIT TTM = 488.0m USD
EBITDA TTM = 529.8m USD
Long Term Debt = 4.11b USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 4.50b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.43b USD (from netDebt column, last quarter)
Enterprise Value = 8.41b USD (3.98b + Debt 4.50b - CCE 71.7m)
Interest Coverage Ratio = 1.44 (Ebit TTM 488.0m / Interest Expense TTM 339.3m)
EV/FCF = 4.75x (Enterprise Value 8.41b / FCF TTM 1.77b)
FCF Yield = 21.07% (FCF TTM 1.77b / Enterprise Value 8.41b)
FCF Margin = 56.22% (FCF TTM 1.77b / Revenue TTM 3.15b)
Net Margin = 9.78% (Net Income TTM 308.4m / Revenue TTM 3.15b)
Gross Margin = 50.13% ((Revenue TTM 3.15b - Cost of Revenue TTM 1.57b) / Revenue TTM)
Gross Margin QoQ = 59.79% (prev 46.56%)
Tobins Q-Ratio = 1.30 (Enterprise Value 8.41b / Total Assets 6.47b)
Interest Expense / Debt = 1.98% (Interest Expense 89.0m / Debt 4.50b)
Taxrate = 20.05% (19.8m / 98.8m)
NOPAT = 390.2m (EBIT 488.0m * (1 - 20.05%))
Current Ratio = 0.21 (Total Current Assets 71.7m / Total Current Liabilities 337.9m)
Debt / Equity = 3.37 (Debt 4.50b / totalStockholderEquity, last quarter 1.34b)
Debt / EBITDA = 8.36 (Net Debt 4.43b / EBITDA 529.8m)
Debt / FCF = 2.50 (Net Debt 4.43b / FCF TTM 1.77b)
Total Stockholder Equity = 1.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.26% (Net Income 308.4m / Total Assets 6.47b)
RoE = 24.45% (Net Income TTM 308.4m / Total Stockholder Equity 1.26b)
RoCE = 9.09% (EBIT 488.0m / Capital Employed (Equity 1.26b + L.T.Debt 4.11b))
RoIC = 7.53% (NOPAT 390.2m / Invested Capital 5.18b)
WACC = 5.94% (E(3.98b)/V(8.48b) * Re(10.87%) + D(4.50b)/V(8.48b) * Rd(1.98%) * (1-Tc(0.20)))
Discount Rate = 10.87% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.62%
[DCF Debug] Terminal Value 88.28% ; FCFF base≈1.66b ; Y1≈2.05b ; Y5≈3.49b
Fair Price DCF = 3872 (EV 100.13b - Net Debt 4.43b = Equity 95.70b / Shares 24.7m; r=5.94% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 90.46 | EPS CAGR: 21.44% | SUE: 3.68 | # QB: 5
Revenue Correlation: 99.27 | Revenue CAGR: 23.04% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.62 | Chg30d=+0.251 | Revisions Net=+1 | Analysts=6
EPS current Year (2026-12-31): EPS=15.73 | Chg30d=+1.342 | Revisions Net=+4 | Growth EPS=+21.4% | Growth Revenue=+15.3%
EPS next Year (2027-12-31): EPS=18.29 | Chg30d=+0.812 | Revisions Net=+3 | Growth EPS=+16.2% | Growth Revenue=+13.4%
P/E Forward = 10.2249
P/S = 2.6716
P/B = 2.9787
Revenue TTM = 3.15b USD
EBIT TTM = 488.0m USD
EBITDA TTM = 529.8m USD
Long Term Debt = 4.11b USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 4.50b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.43b USD (from netDebt column, last quarter)
Enterprise Value = 8.41b USD (3.98b + Debt 4.50b - CCE 71.7m)
Interest Coverage Ratio = 1.44 (Ebit TTM 488.0m / Interest Expense TTM 339.3m)
EV/FCF = 4.75x (Enterprise Value 8.41b / FCF TTM 1.77b)
FCF Yield = 21.07% (FCF TTM 1.77b / Enterprise Value 8.41b)
FCF Margin = 56.22% (FCF TTM 1.77b / Revenue TTM 3.15b)
Net Margin = 9.78% (Net Income TTM 308.4m / Revenue TTM 3.15b)
Gross Margin = 50.13% ((Revenue TTM 3.15b - Cost of Revenue TTM 1.57b) / Revenue TTM)
Gross Margin QoQ = 59.79% (prev 46.56%)
Tobins Q-Ratio = 1.30 (Enterprise Value 8.41b / Total Assets 6.47b)
Interest Expense / Debt = 1.98% (Interest Expense 89.0m / Debt 4.50b)
Taxrate = 20.05% (19.8m / 98.8m)
NOPAT = 390.2m (EBIT 488.0m * (1 - 20.05%))
Current Ratio = 0.21 (Total Current Assets 71.7m / Total Current Liabilities 337.9m)
Debt / Equity = 3.37 (Debt 4.50b / totalStockholderEquity, last quarter 1.34b)
Debt / EBITDA = 8.36 (Net Debt 4.43b / EBITDA 529.8m)
Debt / FCF = 2.50 (Net Debt 4.43b / FCF TTM 1.77b)
Total Stockholder Equity = 1.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.26% (Net Income 308.4m / Total Assets 6.47b)
RoE = 24.45% (Net Income TTM 308.4m / Total Stockholder Equity 1.26b)
RoCE = 9.09% (EBIT 488.0m / Capital Employed (Equity 1.26b + L.T.Debt 4.11b))
RoIC = 7.53% (NOPAT 390.2m / Invested Capital 5.18b)
WACC = 5.94% (E(3.98b)/V(8.48b) * Re(10.87%) + D(4.50b)/V(8.48b) * Rd(1.98%) * (1-Tc(0.20)))
Discount Rate = 10.87% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.62%
[DCF Debug] Terminal Value 88.28% ; FCFF base≈1.66b ; Y1≈2.05b ; Y5≈3.49b
Fair Price DCF = 3872 (EV 100.13b - Net Debt 4.43b = Equity 95.70b / Shares 24.7m; r=5.94% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 90.46 | EPS CAGR: 21.44% | SUE: 3.68 | # QB: 5
Revenue Correlation: 99.27 | Revenue CAGR: 23.04% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.62 | Chg30d=+0.251 | Revisions Net=+1 | Analysts=6
EPS current Year (2026-12-31): EPS=15.73 | Chg30d=+1.342 | Revisions Net=+4 | Growth EPS=+21.4% | Growth Revenue=+15.3%
EPS next Year (2027-12-31): EPS=18.29 | Chg30d=+0.812 | Revisions Net=+3 | Growth EPS=+16.2% | Growth Revenue=+13.4%