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Enova International, Inc. logo

Enova International, Inc.

ENVA

NYSEFinancial ServicesFinancial - Credit Services

Open in GoAI

Previous close

$242.93

+$5.54 · +2.33%

Aug 21, 4:00 PM ET

ENVA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

78

Undervalued

Momentum

71

Gaining

Sentiment

67

Bullish

Risk resilience

68

Moderate Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Steven E. Cunningham
Listed since
Nov 13, 2014
Employees
1,836

Market position

Day range

Current $242.93

52-week range

Current $242.93

Open
$239.12
Previous close
$237.39
Volume
266.75K
0.82× average
Average volume
326.58K
Average daily volume
Market cap
6.05B USD
Beta
1.23
Market reference 1
50-day average
$235.47
+3.17% above average
200-day average
$172.06
+41.19% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
8.38B USD
P/E (TTM)
17×
P/B (TTM)
4.04×
P/S (TTM)
2.01×
EV / EBITDA
15.82×
Earnings yield
7.92%
Free cash flow yield
45.53%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
73.95%
Operating margin
27.58%
Net margin
11.81%
Return on equity
23.07%
Return on assets
4.77%
Return on invested capital
247.28%

Financial health

Debt / equity
3.37×
Current ratio
0.23×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends86%57%29%1%Gross margin, FY2021: 78.46%Gross margin, FY2022: 57.70%Gross margin, FY2023: 48.88%Gross margin, FY2024: 46.62%Gross margin, FY2025: 50.13%Operating margin, FY2021: 34.20%Operating margin, FY2022: 22.12%Operating margin, FY2023: 19.93%Operating margin, FY2024: 22.00%Operating margin, FY2025: 23.46%Net margin, FY2021: 21.22%Net margin, FY2022: 11.95%Net margin, FY2023: 8.27%Net margin, FY2024: 7.88%Net margin, FY2025: 9.78%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 78.46%. Gross margin FY2022 57.70%. Gross margin FY2023 48.88%. Gross margin FY2024 46.62%. Gross margin FY2025 50.13%. Operating margin FY2021 34.20%. Operating margin FY2022 22.12%. Operating margin FY2023 19.93%. Operating margin FY2024 22.00%. Operating margin FY2025 23.46%. Net margin FY2021 21.22%. Net margin FY2022 11.95%. Net margin FY2023 8.27%. Net margin FY2024 7.88%. Net margin FY2025 9.78%.

Income trends

Revenue

3.15B USD+18.58%

Operating income

739.43M USD+26.45%

Net income

308.39M USD+47.24%
Income trends across reported periods3.45B USD2.26B USD1.07B USD−122.53M USDRevenue, FY2021: 1.21B USDRevenue, FY2022: 1.74B USDRevenue, FY2023: 2.12B USDRevenue, FY2024: 2.66B USDRevenue, FY2025: 3.15B USDOperating income, FY2021: 413.06M USDOperating income, FY2022: 383.99M USDOperating income, FY2023: 422.14M USDOperating income, FY2024: 584.76M USDOperating income, FY2025: 739.43M USDNet income, FY2021: 256.3M USDNet income, FY2022: 207.42M USDNet income, FY2023: 175.12M USDNet income, FY2024: 209.45M USDNet income, FY2025: 308.39M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.21B USD. Revenue FY2022 1.74B USD. Revenue FY2023 2.12B USD. Revenue FY2024 2.66B USD. Revenue FY2025 3.15B USD. Operating income FY2021 413.06M USD. Operating income FY2022 383.99M USD. Operating income FY2023 422.14M USD. Operating income FY2024 584.76M USD. Operating income FY2025 739.43M USD. Net income FY2021 256.3M USD. Net income FY2022 207.42M USD. Net income FY2023 175.12M USD. Net income FY2024 209.45M USD. Net income FY2025 308.39M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue3.15B USD2.66B USD2.12B USD1.74B USD1.21B USD
Cost of goods sold1.57B USD1.42B USD1.08B USD734.41M USD260.18M USD
Gross profit1.58B USD1.24B USD1.04B USD1B USD947.75M USD
Research and development67.51M USD————
Selling, general, and administrative790.8M USD680.09M USD574.73M USD523.04M USD428.12M USD
Operating expenses840.53M USD654.25M USD613.01M USD617.69M USD534.69M USD
Interest expense169.57M USD—194.78M USD115.89M USD76.51M USD
Depreciation and amortization41.83M USD40.21M USD38.16M USD36.87M USD35.38M USD
Operating income739.43M USD584.76M USD422.14M USD383.99M USD413.06M USD
Net income308.39M USD209.45M USD175.12M USD207.42M USD256.3M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

9 institutions
Janney Montgomery ScottdowngradeBuyNeutral

ENVA peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding ENVA

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
399.76M
Weight
0.35%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
192.32M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
147.98M
Weight
0.18%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
72.86M
Weight
0.08%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares S&P Small-Cap 600 Growth ETF logoiShares S&P Small-Cap 600 Growth ETFIJT
Market value
60.86M
Weight
0.72%
AUM
8.22B USD
Expense ratio
0.18%
Price / 1D
$173.9+0.61%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
55.63M
Weight
0.33%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
53.96M
Weight
0.36%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Invesco S&P SmallCap Momentum ETF logoInvesco S&P SmallCap Momentum ETFXSMO
Market value
43.66M
Weight
1.45%
AUM
3.04B USD
Expense ratio
0.36%
Price / 1D
$86.05+0.54%

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