Enova International, Inc. (ENVA) 10-Year Financial Performance & Capital Metrics

ENVA • • Banking & Credit

Financial ServicesCredit ServicesConsumer Lending & Credit CardsPersonal Installment Lenders

AboutEnova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.Show more

Net Interest Income $0 +100.0%
Total Revenue $2.66B +25.5%
Net Income $209M +19.6%
Return on Equity 17.19% +19.1%
Net Interest Margin 0% +100.0%
Efficiency Ratio 24.62% -15.0%
ROA 4.25% +1.6%
Equity / Assets 22.73% -16.0%
Book Value per Share 42.44 +9.2%
Tangible BV/Share 32.15 -17.2%
Debt/Equity 3.00 +24.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 41.7%
✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 24.6% efficiency ratio
✓Momentum leader: RS Rating 84 (top 16%)
✓Well capitalized: 22.7% equity/assets
✓Good 3Y average ROE of 16.6%

✗Weaknesses

✗High debt to equity ratio of 3.0x

Price & Volume

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Growth Metrics

Revenue CAGR

10Y12.62%

5Y17.74%

3Y30.06%

TTM-

Profit (Net Income) CAGR

10Y6.49%

5Y41.74%

3Y-6.51%

TTM62.37%

EPS CAGR

10Y8.2%

5Y14.84%

3Y3.05%

TTM73.52%

ROCE

10Y Avg15.15%

5Y Avg14.96%

3Y Avg11.89%

Latest13.16%

Peer Comparison

Personal Installment Lenders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ENVAEnova International, Inc.	3.9B	157.66	21.22	25.51%	7.88%	22.83%	38.36%	3.00
FOAFinance Of America Companies Inc.	192.23M	24.36	20.64	24.25%	0.79%	1.65%		90.98
OMFOneMain Holdings, Inc.	7.81B	66.37	15.65	7.98%	8.9%	20.87%	34.54%	6.72
ATLCAtlanticus Holdings Corporation	905.01M	59.77	12.53	13.46%	8.49%	20.24%	51.67%	5.12
RMRegional Management Corp.	372.97M	38.40	9.28	6.73%	7.01%	11.14%	70.75%	4.24
WRLDWorld Acceptance Corporation	719.24M	142.76	8.76	-1.46%	15.89%	15.61%	34.83%	1.20
MFINMedallion Financial Corp.	235.59M	10.12	6.66	14.65%	12.3%	8.96%	49.03%	0.66
OPRTOportun Financial Corporation	223.29M	5.06	-2.59	15.93%	-14.75%	7.97%	100%	7.98

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-52.88M	-65.6M	-74M	-79.36M	-75.6M	-86.69M	-76.51M	-115.89M	-194.78M	0
NII Growth %	-0.37%	-0.24%	-0.13%	-0.07%	0.05%	-0.15%	0.12%	-0.51%	-0.68%	1%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	52.88M	65.6M	74M	79.36M	75.6M	86.69M	76.51M	115.89M	194.78M	-290.44M
Loan Loss Provision	216.86M	327.97M	353.49M	503.4M	602.89M	399.52M	183.67M	618.52M	887.72M	1.71B
Non-Interest Income+	652.6M	745.57M	728.9M	972.62M	1.17B	1.08B	1.21B	1.74B	2.12B	2.66B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	652.6M	745.57M	728.9M	972.62M	1.17B	1.08B	1.21B	1.74B	2.12B	2.66B
Revenue Growth %	-0.19%	0.14%	-0.02%	0.33%	0.21%	-0.08%	0.11%	0.44%	0.22%	0.26%
Non-Interest Expense	258.47M	230.52M	185.22M	214.31M	248.05M	239.71M	534.69M	617.68M	613.01M	654.25M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	124.39M	121.48M	116.19M	175.55M	248.21M	357.8M	413.06M	383.99M	422.13M	584.76M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.42%	-0.02%	-0.04%	0.51%	0.41%	0.44%	0.15%	-0.07%	0.1%	0.39%
Pretax Income+	70.52M	57.44M	19.67M	68.87M	170.07M	435.42M	337.15M	272.57M	227.25M	271.1M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	26.53M	22.83M	2.06M	5.3M	42.05M	57.19M	80.09M	65.15M	52.13M	61.65M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	43.99M	34.6M	29.24M	70.1M	36.61M	377.84M	256.3M	207.42M	175.12M	209.45M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.61%	-0.21%	-0.15%	1.4%	-0.48%	9.32%	-0.32%	-0.19%	-0.16%	0.2%
Net Income (Continuing)	43.99M	34.6M	17.61M	63.57M	128.02M	378.23M	257.07M	207.42M	175.12M	209.45M
EPS (Diluted)+	1.33	1.03	0.86	1.99	3.72	11.70	6.79	6.19	5.49	7.43
EPS Growth %	-0.61%	-0.23%	-0.17%	1.31%	0.87%	2.15%	-0.42%	-0.09%	-0.11%	0.35%
EPS (Basic)	1.33	1.04	0.87	2.06	3.80	11.85	7.05	6.42	5.71	7.78
Diluted Shares Outstanding	33.03M	33.46M	34.13M	35.18M	34.4M	32.3M	37.74M	33.48M	31.92M	28.2M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	42.07M	39.93M	68.68M	28.11M	35.9M	297.27M	165.48M	100.17M	377.44M	73.91M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	0	0	0	0	0	0	0	0	0	0
Investments Growth %	-	-	-	-	-	-	-	-	-	-
Long-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	267.01M	267.01M	267.01M	267.01M	267.01M	267.97M	279.27M	279.27M	0	279.27M
Intangible Assets	6.54M	5.4M	4.33M	3.25M	2.19M	26.01M	35.44M	27.39M	0	10.95M
PP&E (Net)	48.05M	47.1M	48.52M	46.06M	74.13M	119.54M	101.5M	112.58M	122.96M	138.16M
Other Assets	9.3M	11.05M	8.84M	12.18M	22.91M	43.55M	51.31M	54.71M	-421.24M	24.19M
Total Current Assets	509.63M	647.31M	830.76M	1.01B	1.21B	1.65B	2.29B	3.31B	0	4.81B
Total Non-Current Assets	330.91M	330.56M	328.7M	328.51M	366.24M	457.07M	467.53M	473.95M	0	452.58M
Total Assets+	840.54M	977.88M	1.16B	1.33B	1.57B	2.11B	2.76B	3.78B	4.59B	5.27B
Asset Growth %	0.11%	0.16%	0.19%	0.15%	0.18%	0.34%	0.31%	0.37%	0.21%	0.15%
Return on Assets (ROA)	0.05%	0.04%	0.03%	0.06%	0.03%	0.21%	0.11%	0.06%	0.04%	0.04%
Accounts Payable	25.66M	25.42M	25.58M	26.32M	23.83M	26.72M	37.18M	30.78M	0	58.95M
Total Debt+	544.91M	652.91M	791.54M	860.1M	1.03B	1.01B	1.43B	2.29B	2.99B	3.6B
Net Debt	502.84M	612.98M	722.86M	831.98M	992.51M	717.14M	1.26B	2.19B	2.61B	3.52B
Long-Term Debt	541.91M	649.91M	788.54M	857.93M	991.18M	916.73M	1.38B	2.26B	2.94B	3.33B
Short-Term Debt	3M	3M	3M	2.17M	1.51M	29.73M	0	0	22.34M	233.33M
Other Liabilities	0	0	0	0	0	0	0	0	-3.08B	0
Total Current Liabilities	72.14M	71.95M	77.12M	89.32M	122.16M	156.42M	156.1M	198.32M	0	483.3M
Total Non-Current Liabilities	562.43M	664.23M	800.65M	897.27M	1.08B	1.03B	1.51B	2.4B	0	3.59B
Total Liabilities	634.57M	736.18M	877.77M	986.58M	1.2B	1.19B	1.67B	2.59B	3.35B	4.07B
Total Equity+	205.97M	241.7M	281.69M	347.77M	376.61M	918.83M	1.09B	1.19B	1.24B	1.2B
Equity Growth %	0.34%	0.17%	0.17%	0.23%	0.08%	1.44%	0.19%	0.09%	0.05%	-0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.24%	0.15%	0.11%	0.22%	0.1%	0.58%	0.25%	0.18%	0.14%	0.17%
Book Value per Share	6.24	7.22	8.25	9.89	10.95	28.45	28.97	35.43	38.85	42.44
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	9.92M	18.45M	29.78M	48.17M	63.79M	187.98M	225.69M	251.88M	284.26M	328.27M
Retained Earnings	200.85M	235.46M	264.69M	336.42M	372.68M	849.47M	1.11B	1.31B	1.49B	1.7B
Accumulated OCI	-4.62M	-11.58M	-7.09M	-13.8M	-3.07M	-6.9M	-8.54M	-5.99M	-6.26M	-13.69M
Treasury Stock	-187K	-624K	-5.7M	-23.02M	-56.79M	-113.2M	-229.86M	-372.93M	-526.12M	-815.41M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	283.92M	393.37M	447.17M	684.84M	875.62M	740.87M	471.87M	894M	1.17B	1.54B
Operating CF Growth %	-0.33%	0.39%	0.14%	0.53%	0.28%	-0.15%	-0.36%	0.89%	0.31%	0.32%
Net Income	43.99M	34.6M	29.24M	70.1M	36.61M	377.93M	257.07M	207.42M	175.12M	209.45M
Depreciation & Amortization	18.39M	15.56M	14.39M	15.19M	21.05M	19.73M	35.38M	36.87M	38.16M	40.21M
Deferred Taxes	-1.4M	-2.2M	-4.74M	21.97M	0	3.24M	39.31M	17.03M	8.54M	112.72M
Other Non-Cash Items	221.21M	338.03M	429.03M	602.25M	855.35M	247.03M	177.75M	619.31M	889.76M	1.16B
Working Capital Changes	-7.9M	-1.14M	-32.05M	-36.33M	-49.37M	74.9M	-58.81M	-8.59M	28.55M	-14.03M
Cash from Investing+	-372.17M	-484.58M	-527.13M	-720.93M	-941.4M	83.58M	-980.37M	-1.67B	-1.49B	-1.91B
Purchase of Investments	0	0	0	0	0	0	0	0	0	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-17.73M	0	0	0	0	109.92M	-27.23M	8.71M	0	0
Other Investing	-322.19M	-470.18M	-510.61M	-704.85M	-921.34M	3.15M	-923.47M	-1.63B	-1.45B	-1.87B
Cash from Financing+	56.62M	99.88M	104.58M	22.48M	95.48M	-535.97M	365.15M	724.87M	526.54M	318.88M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-187K	-437K	-5.08M	-17.31M	-33.78M	-56.41M	-116.66M	-143.07M	-153.19M	-289.29M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K
Other Financing	-1.6M	-6.7M	-31.33M	-25.1M	-1.34M	-1.03M	9.23M	-3.23M	-16.78M	-15.87M
Net Change in Cash+	-33.04M	-2.13M	28.75M	-20.89M	30.68M	288.24M	-143.32M	-47.48M	199.04M	-54.77M
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	979K	-244K	34K	-77K	287K	-1000K
Cash at Beginning	75.11M	42.07M	39.93M	98.14M	50.28M	80.96M	369.2M	225.88M	178.4M	377.44M
Cash at End	42.07M	39.93M	68.68M	77.26M	80.96M	369.2M	225.88M	178.4M	377.44M	322.67M
Interest Paid	0	0	0	0	70.25M	74.9M	71.1M	0	0	0
Income Taxes Paid	0	0	0	0	0	27.48M	89.27M	0	0	0
Free Cash Flow+	251.68M	378.98M	430.64M	668.76M	855.55M	711.38M	442.19M	850.37M	1.12B	1.5B
FCF Growth %	-0.38%	0.51%	0.14%	0.55%	0.28%	-0.17%	-0.38%	0.92%	0.32%	0.33%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	24.44%	15.46%	11.17%	22.27%	10.11%	58.33%	25.48%	18.2%	14.44%	17.19%
Return on Assets (ROA)	5.5%	3.81%	2.74%	5.62%	2.52%	20.52%	10.53%	6.34%	4.19%	4.25%
Net Interest Margin	-6.29%	-6.71%	-6.38%	-5.95%	-4.8%	-4.11%	-2.77%	-3.07%	-4.25%	0%
Efficiency Ratio	39.61%	30.92%	25.41%	22.03%	21.11%	22.12%	44.26%	35.58%	28.95%	24.62%
Equity / Assets	24.5%	24.72%	24.29%	26.06%	23.92%	43.59%	39.58%	31.37%	27.05%	22.73%
Book Value / Share	6.24	7.22	8.25	9.89	10.95	28.45	28.97	35.43	38.85	42.44
NII Growth	-37.45%	-24.05%	-12.81%	-7.24%	4.74%	-14.66%	11.75%	-51.47%	-68.08%	100%

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	-	622.99M	709.54M	946.51M	1.15B	1.07B	1.18B	1.72B	2.09B	2.6B
UNITED STATES Growth	-	-	13.89%	33.40%	21.85%	-7.08%	10.54%	45.44%	21.16%	24.76%
Other International Countries	12.65M	19.1M	19.37M	26.11M	21.45M	12.02M	23.33M	13.16M	30.12M	53.34M
Other International Countries Growth	-	50.93%	1.39%	34.80%	-17.84%	-43.98%	94.18%	-43.61%	128.91%	77.09%
U S	510.24M	-	-	-	-	-	-	-	-	-
U S Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Enova International, Inc. (ENVA) has a price-to-earnings (P/E) ratio of 21.2x. This is roughly in line with market averages.

Growth & Financials

Enova International, Inc. (ENVA) grew revenue by 25.5% over the past year. This is strong growth.

Yes, Enova International, Inc. (ENVA) is profitable, generating $293.1M in net income for fiscal year 2024 (7.9% net margin).

Dividend & Returns

Enova International, Inc. (ENVA) has a return on equity (ROE) of 17.2%. This is reasonable for most industries.

Industry Metrics

Enova International, Inc. (ENVA) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

Enova International, Inc. (ENVA) has an efficiency ratio of 24.6%. This is excellent, indicating strong cost control.

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