Enova International, Inc. (ENVA) — Analysis Summary
Enova International, Inc. (ENVA) has a market cap of $5.91B with year-over-year revenue growth of +18.6%. Net margin stands at 9.8%. The stock trades at a P/E ratio of 16.6.
Key Takeaways
- Revenue changed +18.6% year-over-year
- Net margin of 9.8%
- P/E ratio of 16.6
Compared to other companies in the PERSONAL CREDIT INSTITUTIONS sector, ENVA posted revenue growth of +18.6% and trades at a P/E of 16.6.
Enova International, Inc. (ENVA)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 5.8x — elevated leverage
Interest coverage at 2.3x — limited headroom for earnings decline
D/E at 3.3x — high financial leverage
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
Sector
PERSONAL CREDIT INSTITUTIONS
Employees
1,836
Headquarters
CHICAGO, IL
Exchange
XNYS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.