ENOVA INTERNATIONAL INC

ENVANYSE

🏆 #990 by market capEarnings Oct 22US Equity

$258.27▲ $5.73 (+2.22%)

Market closed · at close

1h—

24h▲ 2.2%

7d▼ 1.8%

14d▲ 5.4%

30d▲ 10.9%

1y▲ 136.4%

🏦Market Cap

$6.43B

Small Cap

📈Revenue Growth (YoY)

+22.5%

Healthy

📊Gross Margin

100.0%

High

💵FCF Margin

94.8%

Strong

⚖️P/S Ratio

3.1x

Fair

Otter Score

Weak

Trading Snapshot

Day Range: $256.87 – $259.89
52-Week Range: $102.76 – $265.54
Volume: $2.42B
Avg Volume: $1.91B
Shares Outstanding: 24.9M
Next Earnings: Sep 9, 2026

Fundamentals Snapshot

Annual Revenue: $3.15B
Last Q Revenue: $494M
P/E Ratio: 17.7
P/S Ratio: 3.1x
EPS (TTM): $13.48
Dividend Yield: —

Why Investors Own ENVA

✓High-growth profile — revenue up +20.9% YoY with expanding US Equity exposure.
✓Healthy economics — 76% gross margin and 14% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$3.15B▲ +26.0% YoY

Gross Margin (TTM)

76.4%▲ +0.9% YoY

Operating Income (TTM)

$876M▲ +26.0% YoY

Free Cash Flow (TTM)

$451M▲ +26.0% YoY

About ENOVA INTERNATIONAL INC

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

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