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ENVA
$235.67+$4.63 (+2.00%)live
Held · Bookmarked
0 · 0
portfolios · users
Avg position size
—
of holders' portfolios
13F filers
1
institution
Market cap
$5.7B
25M shares
52-week range
$99.61 – $236.29
100% from low
Sector
PERSONAL CREDIT INSTITUTIONS
Exchange
NYSE
CS
Borrow rate
0.34%
Easy to borrow
Price (6 mo)
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Change+$201.46
Valuation
Financials
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Click rows below (any statement) to add/remove series. Selection stays as you switch tabs.
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $972.6M | $1.17B | $1.08B | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Cost of revenue | $582.8M | $678.5M | $486.2M | $260.2M | $734.4M | $1.08B | $1.42B | $1.57B |
| Gross profit | $389.9M | $496.3M | $597.5M | $947.8M | $1.00B | $1.04B | $1.24B | $1.58B |
| Gross margin | 40.1% | 42.2% | 55.1% | 78.5% | 57.7% | 48.9% | 46.6% | 50.1% |
| R&D | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $67.5M |
| Operating income | $175.5M | $248.2M | $357.8M | $413.1M | $384.0M | $422.1M | $584.8M | $739.4M |
| EBITDA | $110.4M | $187.7M | $290.8M | $371.9M | $305.0M | $265.5M | $334.5M | $529.8M |
| Net income | $70.1M | $36.6M | $377.8M | $256.3M | $207.4M | $175.1M | $209.4M | $308.4M |
| Net margin | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
| EPS (diluted) | 1.99 | 3.72 | 11.70 | 6.79 | 6.19 | 5.49 | 7.43 | 11.58 |
Annual figures · source: Financial Modeling Prep
Analyst estimates (consensus)
| Year | Est. revenue | Est. EPS | EPS range | # Analysts |
|---|---|---|---|---|
| 2026 | $3.8B | $16.45 | $16.38–$16.52 | 3 |
| 2027 | $4.4B | $19.94 | $19.23–$20.65 | 3 |
| 2028 | $5.5B | $26.48 | $26.27–$26.69 | 1 |
Forward consensus · source: Financial Modeling Prep
DCF fair valuemodel estimate
Intrinsic value
$183.07
Price
$235.67
Implied downside
-22%
Peer comparison
Enova International, Inc.
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
www.enova.com- Employees
- 1,836
- IPO / List date
- Oct 30, 2014
- HQ
- CHICAGO, IL
Held by traders on TradeandTell
No one on the platform currently holds ENVA.
Super investors & insiders
Institutions holding (13F)
| Institution | Shares | Reported |
|---|---|---|
| Renaissance Technologiesas of 2026-03-31 | 750,094 | $101.9M |
Insider activity (SEC Form 4)
Stock splits
| Execution date | Ratio |
|---|---|
| 2005-07-22 | 1-for-45reverse |
Recent trades on TradeandTell
No one on the platform has traded ENVA yet.
