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Company Analysis

Enova International, Inc. ENVA

A comprehensive view of key metrics, scores, and financial health for Enova International, Inc.

Overview of Enova International, Inc.

ENVA NYQ
Financial Services Credit Services Mid Cap
Enova International, Inc. (ENVA), is a Mid Cap company, in the Credit Services industry, last closed at $134.11, about 62.4% overvalued vs fair value, +43.9% 1Y return, ranked 372/1004 in sector.
$134.11
-0.96%
As of March 13, 2026
Previous close • Vol 90d: 41.7%
52-Week Range
Market Cap
$3.35B
Enterprise Value
$7.84B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.enova.com
HQ Chicago, IL
Employees 1,836
Fiscal year Dec 31

Next Events

Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$28
$50
$94
Current: $134.11 -62% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$169.6M
Net Interest Income
$-115.9M
-51.5%%
Total Revenue
$3.2B
18.6%%
Fee/Non-Interest Income
$3.3B
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
17.5%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$311.7M
148.8% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Enova International, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
54
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing ENVA's balance between Growth (36.5%), Profitability (30.7%), and Safety (32.9%). Growth 36% Safety 33% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
64
Key Signals
Revenue CAGR 3Y 22.0% 84p Rev Growth YoY 18.6% 60p EPS Growth YoY 35.4% 58p EPS CAGR 3Y 3.0% 43p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (22.0%, 84th percentile)
  • Growth above peer median with strong metric coverage (90%)
  • Net Debt/Ebitda in top 20% of peers (10.53, 84th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (4.69, 87th percentile)
  • Consistently strong margins across 3 metrics
Risks

No significant risks identified for this axis.

Profitability

53th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Enova International, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
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- upside
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Base
$50.42
- - -
-62.4% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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