Stock ENVA ENOVA INTERNATIONAL, INC.
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Financials Enova International, Inc.

Equities

ENVA

US29357K1034

Consumer Lending

Market Closed - Nyse
Other stock markets
 01:30:01 27/04/2024 am IST 		5-day change 1st Jan Change
63.23 USD +1.25% Intraday chart for Enova International, Inc. +4.15% +14.22%
25/04 BMO Capital Adjusts Enova International's Price Target to $62 From $60, Keeps Market Perform Rating MT
25/04 Maxim Adjusts Enova International's Price Target to $78 From $70, Keeps Buy Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 812.5 883.4 1,492 1,207 1,654 1,715 - -
Enterprise Value (EV) 1 812.5 883.4 1,492 1,207 1,654 5,250 5,296 1,715
P/E ratio 22.7 x 2.12 x 6.03 x 6.2 x 10.1 x 8.78 x 7.22 x 6.7 x
Yield - - - - - - - -
Capitalization / Revenue 0.69 x 0.82 x 1.24 x 0.7 x 0.78 x 0.67 x 0.6 x 0.65 x
EV / Revenue 0.69 x 0.82 x 1.24 x 0.7 x 0.78 x 2.06 x 1.84 x 0.65 x
EV / EBITDA 2.95 x 2.13 x 3.15 x 2.73 x 3.29 x 8.53 x 7.57 x -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.11 x - - 1.01 x 1.3 x 1.53 x 1.34 x 1.19 x
Nbr of stocks (in thousands) 33,770 35,666 36,421 31,460 29,869 27,120 - -
Reference price 2 24.06 24.77 40.96 38.37 55.36 63.23 63.23 63.23
Announcement Date 29/01/20 04/02/21 03/02/22 01/02/23 30/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,175 1,084 1,208 1,736 2,118 2,545 2,877 2,646
EBITDA 1 275.6 415.3 473 442.8 503 615.7 700 -
EBIT 1 248.2 357.8 413.1 384 422.1 544.8 616.8 575.2
Operating Margin 21.13% 33.02% 34.2% 22.12% 19.93% 21.4% 21.44% 21.74%
Earnings before Tax (EBT) 1 170.1 435.4 337.2 272.6 227.2 272.6 318.4 302
Net income 1 36.61 377.8 256.3 207.4 175.1 204 236.6 225
Net margin 3.12% 34.87% 21.22% 11.95% 8.27% 8.02% 8.22% 8.5%
EPS 2 1.060 11.70 6.790 6.190 5.490 7.198 8.762 9.440
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share - - - - - - - -
Announcement Date 29/01/20 04/02/21 03/02/22 01/02/23 30/01/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 363.6 385.7 408 456.2 486.2 483.3 499.4 551.4 583.6 609.9 622.9 636.9 675.6 694.2 692.7
EBITDA 1 101.4 105.6 102.2 115.2 119.7 125.8 126.5 120.8 130 149 156.1 152.4 158.2 166.3 172.1
EBIT 1 80.68 90.75 89.48 98.51 105.2 109.3 111.6 103.7 97.54 130.8 136.9 135.6 141.3 145.5 154.4
Operating Margin 22.19% 23.53% 21.93% 21.59% 21.65% 22.61% 22.34% 18.81% 16.71% 21.45% 21.98% 21.3% 20.92% 20.97% 22.28%
Earnings before Tax (EBT) 1 61.22 68.28 69.79 67.59 66.92 65.64 64.77 55.21 41.63 64.66 69.8 68.1 69.94 72.84 81
Net income 1 48.65 52.44 52.4 51.71 50.87 50.92 48.14 41.28 34.77 48.43 52.21 50.97 52.51 53.98 60.05
Net margin 13.38% 13.6% 12.84% 11.33% 10.46% 10.54% 9.64% 7.49% 5.96% 7.94% 8.38% 8% 7.77% 7.78% 8.67%
EPS 2 1.300 1.500 1.560 1.570 1.560 1.560 1.500 1.290 1.130 1.640 1.844 1.826 1.894 1.955 2.188
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 03/02/22 03/05/22 28/07/22 27/10/22 01/02/23 25/04/23 25/07/23 24/10/23 30/01/24 23/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - 3,535 3,581 -
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - 5.741 x 5.116 x -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 38.7% 36.3% 25.5% 20% 18% 19.8% 20.9% 20.2%
ROA (Net income/ Total Assets) 9.67% 12.7% 10.5% 6.97% 5.22% 5% 5.25% 5.3%
Assets 1 378.8 2,965 2,435 2,977 3,352 4,081 4,506 4,245
Book Value Per Share 2 11.40 - - 38.00 42.60 41.30 47.30 53.20
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 29/01/20 04/02/21 03/02/22 01/02/23 30/01/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Enova International, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
63.23 USD
Average target price
72.33 USD
Spread / Average Target
+14.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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