ENVA Financials: Enova International Inc AI Analysis

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ENVA Financial

Enova International Inc

$137.74

0.29%

$0.4

As of today:Mar 24, 14:11:17 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$137.34

Open

$137.25

Day's Range

$136.07 - $138.82

52 week range

$79.4 - $176.68

Volume

58.0K

Avg.Volume

306.4K

Dividend yield

EPS (TTM)

11.58

Market Cap

$3.4B

What is ENVA?

Enova International, Inc. engages in the provision of online financial services. The company is headquartered in Chicago, Illinois. The company went IPO on 2014-10-30. The firm's online financing products and services provide customers with a deposit of funds to their bank account in exchange for a commitment to repay the amount deposited plus fees and/or interest. Its products and services include consumer installment loans, small business installment loans, consumer line of credit accounts, small business line of credit accounts, CSO program, bank programs, and money transfer business. The company provides its services in the United States and Brazil. In the United States it markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com and Headway Capital at www.headwaycapital.com, and it markets its money transfer platform under the name Pangea. In Brazil, it operates under the name Simplic, where it arranges unsecured consumer installment loans for a third-party lender.

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Quarterly

ENVA Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021
Revenue	1,830	1,830	1,529	1,229	1,117	1,024
Revenue Growth (YoY)	20%	20%	24%	10%	9%	50%
Cost of Revenue	--	--	--	--	--	0
Gross Profit	--	--	--	--	--	1,024
Selling, General & Admin	1,048	1,048	904	769	696	575
Research & Development	--	--	--	--	--	--
Operating Expenses	1,090	1,090	944	807	733	611
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	401	401	271	227	272	337
Income Tax Expense	92	92	61	52	65	80
Net Income	308	308	209	175	207	256
Net Income Growth	47%	47%	19%	-15%	-19%	-32%
Shares Outstanding (Diluted)	26.45	26.77	28.2	31.92	33.5	37.7
Shares Change (YoY)	-6%	-5%	-12%	-5%	-11%	17%
EPS (Diluted)	11.65	11.51	7.42	5.48	6.19	6.79
EPS Growth	56%	55%	35%	-11%	-9%	-42%
Free Cash Flow	1,771	1,771	1,495	1,121	850	442
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	--	--	--	--	--	100%
Operating Margin	40.38%	40.38%	38.19%	34.33%	34.37%	40.33%
Profit Margin	16.83%	16.83%	13.66%	14.23%	18.53%	25%
Free Cash Flow Margin	96.77%	96.77%	97.77%	91.21%	76.09%	43.16%
EBITDA	780	780	624	460	420	448
EBITDA Margin	42.62%	42.62%	40.81%	37.42%	37.6%	43.75%
D&A For EBITDA	41	41	40	38	36	35
EBIT	739	739	584	422	384	413
EBIT Margin	40.38%	40.38%	38.19%	34.33%	34.37%	40.33%
Effective Tax Rate	22.94%	22.94%	22.5%	22.9%	23.89%	23.73%

Follow-Up Questions

What are Enova International Inc's key financial statements?

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According to the latest financial statement (Form-10K), Enova International Inc has a total asset of $6,468, Net profit of $308

What are the key financial ratios for ENVA?

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Enova International Inc's Current ratio is 1.26, has a Net margin is 16.83, sales per share of $68.34.

How is Enova International Inc's revenue broken down by segment or geography?

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Enova International Inc largest revenue segment is Consumer Loans and Finance Receivables, at a revenue of 1,576,821,000 in the most earnings release.For geography, United States is the primary market for Enova International Inc, at a revenue of 2,604,460,000.

Is Enova International Inc profitable?

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yes, according to the latest financial statements, Enova International Inc has a net profit of $308

Does Enova International Inc have any liabilities?

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yes, Enova International Inc has liability of 5,131

How many outstanding shares for Enova International Inc?

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Enova International Inc has a total outstanding shares of 24.71

Enova International Inc (ENVA) Financial

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