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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 $189.33, about 73.4% overvalued vs fair value, +97.2% 1Y return, ranked 371/1037 in sector.
Metrics Rev Growth 18.6% ROE 24.3% Gross Margin 50.1%
USD 189.33
-0.14%
(Delayed)
• Vol 90d: 40.8%
52-Week Range
Market Cap
$4.72B
Enterprise Value
$9.21B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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
$28
$50
$94
Current: $189.33 -73% 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

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
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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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 (28.7%), Profitability (31.4%), and Safety (39.9%). Growth 29% Safety 40% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
47
Key Signals
Asset Growth YoY 22.8% 90p EPS Growth YoY 35.4% 80p Loan Growth YoY 20.9% 52p Equity Growth YoY -3.5% 7p NII Growth YoY -51.5% 1p
Strengths
  • Asset Growth YoY in top 20% of peers (22.8%, 90th percentile)
  • EPS Growth YoY in top 20% of peers (35.4%, 80th percentile)
  • ROTE in top 20% of peers (22.7%, 93th percentile)
  • ROA in top 20% of peers (4.2%, 96th percentile)
  • ROE in top 20% of peers (24.3%, 95th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-3.5%)
  • NII Growth YoY in bottom 20% of peers (-51.5%)

Profitability

51th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
65
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
$50.42
- - -
-73.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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