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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 Framework: Banks & Lenders Mid Cap
Enova International, Inc. (ENVA), is a Mid Cap company, in the Credit Services industry, last closed at $222.49, about 75.2% overvalued vs fair value, +112.7% 1Y return, ranked 334/1078 in sector.
Metrics P/E 13.6× Rev Growth 18.6% ROE 24.3% Gross Margin 47.3%
USD 222.49
-2.61%
(Delayed)
• Vol 90d: 35.9%
52-Week Range
Market Cap
$5.88B
Enterprise Value
$10.65B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Good
Profitability
Weak
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Jul 21 Estimated

Fair Value Snapshot

Bear Base Bull
$31
$55
$103
Current: $222.49 -75% 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
23.1%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
45
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing ENVA's balance between Growth (31.1%), Profitability (37.6%), and Safety (31.4%). Growth 31% Safety 31% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
58
Key Signals
Asset Growth YoY 22.8% 89p Loan Growth YoY 24.7% 71p EPS Growth YoY 55.1% 80p Equity Growth YoY 11.7% 61p NII Growth YoY -51.5% 3p
Strengths
  • Asset Growth YoY in top 20% of peers (22.8%, 89th percentile)
  • EPS Growth YoY in top 20% of peers (55.1%, 80th percentile)
  • Efficiency Ratio in top 20% of peers (34.4%, 92th percentile)
  • ROTE in top 20% of peers (22.7%, 93th percentile)
  • ROA in top 20% of peers (4.2%, 96th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-51.5%)

Profitability

70th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
59
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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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$55.07
- - -
-75.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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