Enova International ENVA
- Market cap
- $4B
- PE
- 11.4×
- 10y median 11.4×
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 1.1×
- EV/EBIT
- 10.8×
- Revenue, 12 months
- $3.7B
- +20% on a year ago
- Net margin
- 10.5%
- Free cash flow yield
- n/m
- a yield above 40% (usually a one-off)
Enova International trades at 11.4× trailing earnings, near its ten-year median. Revenue was $3.7B over the last twelve months, up 20% on a year earlier with a 10% net margin.
Charts
Financials
| Income statement | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $583.6M+20% | $609.9M+26% | $628.4M+26% | $689.9M+25% | $729.6M+25% | $745.5M+22% | $764M+22% | $802.7M+16% | $839.4M+15% | $875.1M+17% | $928.9M+22% | $1B+26% | |
| Cost of revenue | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Gross profit | $325M+12% | $345.9M+21% | $370.2M+24% | $400.4M+25% | $413M+27% | $426.2M+23% | $441.5M+19% | $460.7M+15% | $501.9M+22% | $529M+24% | $568.1M+29% | $614.4M+33% |
| SG&A | $171.4M+30% | $150.4M+29% | $160.5M+21% | $180M+17% | $189.2M+10% | $181.8M+21% | $183.4M+14% | $187M+4% | $238.7M+26% | $237.2M+31% | $247.6M+35% | $275.8M+48% |
| $97.5M−7% | $130.8M+20% | $145.1M+30% | $153.7M+48% | $155.2M+59% | $171.9M+31% | $184.1M+27% | $196.8M+28% | $186.6M+20% | $207.1M+21% | $237.1M+29% | $247.2M+26% | |
| Interest expense | $57.2M+52% | $65.6M+51% | $71M+56% | $76.9M+58% | $77M+35% | $80.5M+23% | $82.8M+17% | $87M+13% | $89M+16% | $94M+17% | $97.8M+18% | $103.5M+19% |
| Pre-tax income | $41.6M−38% | $64.7M−2% | $73.6M+14% | $55.5M+1% | $77.4M+86% | $91M+41% | $101.1M+37% | $110.2M+99% | $98.8M+28% | $112.9M+24% | $140.1M+39% | $142.8M+30% |
| $6.9M−57% | $16.2M+10% | $19.7M+18% | $12.1M−13% | $13.7M+100% | $18.1M+11% | $24.9M+27% | $29.9M+147% | $19.8M+45% | $21.8M+20% | $35M+41% | $35.5M+19% | |
| Net income | $34.8M−32% | $48.4M−5% | $53.9M+12% | $43.4M+5% | $63.7M+83% | $72.9M+51% | $76.1M+41% | $80.3M+85% | $79M+24% | $91.1M+25% | $105.1M+38% | $107.3M+34% |
| $1.13−28% | $1.64+5% | $1.93+29% | $1.57+22% | $2.30+104% | $2.69+64% | $2.86+48% | $3.03+93% | $2.98+30% | $3.46+29% | $4.00+40% | $4.06+34% | |
| 30.9M−5% | 29.5M−10% | 27.9M−13% | 27.7M−13% | 27.7M−10% | 27.1M−8% | 26.6M−5% | 26.5M−5% | 26.5M−4% | 26.3M−3% | 26.3M−1% | 26.4M−0% |
EPS, diluted: 8 periods, Q4 FY13 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: 8 periods, Q4 FY13 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Financial - Credit Services nearest Enova International's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| ENVAEnova International | $4B | 11.4× | 11.4× | 1.1× | +20% | 10.5% | |
| PAYPaymentus | $4.2B | 50.5× | 97.8× | 3.1× | +30% | 6.2% | |
| BFHBread Financial | $3.8B | 7.8× | 8.1× | 1.0× | +4% | 14.4% | |
| NNINelnet | $4.4B | 14.7× | 11.2× | 3.7× | +6% | 25.8% | |
| SEZLSezzle | $4.4B | 29.0× | 27.8× | 8.4× | +43% | 30.4% | |
| DAVEDave | $4.5B | 23.0× | 22.7× | 7.0× | +49% | 34.6% | |
| SLMSLM | $3.5B | 7.0× | 8.6× | 2.0× | −7% | 31.7% | |
| TNETTrinet | $3.5B | 20.3× | 19.2× | 0.7× | −3% | 3.6% | |
| MMSMaximus | $3.3B | 9.3× | 20.2× | 0.6× | −3% | 7.1% | |
| FIGRFigure Technology Solutions | $5.2B | 24.2× | 33.2× | 7.3× | +89% | 33.5% | |
| RELYRemitly Global | $5.3B | 17.9× | 55.1× | 2.9× | +24% | 16.9% | |
| Peer median | $4.3B | 19.1× | 21.5× | 3.0× | +15% | 21.3% |
More on Enova International
Each number over time
- PE ratio
- Price to sales ratio
- EV/EBIT
- Price to free cash flow
- Price to book ratio
- Market cap
- Revenue
- EPS
- Free cash flow
- Profit margin
- Shares outstanding
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .