Enova International, Inc. (ENVA)

230.58USD -1.11% (-2.59)

Over 1M: -8.7%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

220 240 260
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '21 — Revenue: 320.2M Q3 '21 — Gross Profit: 246.4M Q3 '21 — Free Cash Flow: 97.6M Q4 '21 — Revenue: 363.6M Q4 '21 — Gross Profit: 280.4M Q4 '21 — Free Cash Flow: 139.1M Q1 '22 — Revenue: 385.7M Q1 '22 — Gross Profit: 268.7M Q1 '22 — Free Cash Flow: 143.4M Q2 '22 — Revenue: 408M Q2 '22 — Gross Profit: 264.6M Q2 '22 — Free Cash Flow: 225.4M Q3 '22 — Revenue: 456.2M Q3 '22 — Gross Profit: 294.2M Q3 '22 — Free Cash Flow: 222.7M Q4 '22 — Revenue: 486.2M Q4 '22 — Gross Profit: 290.1M Q4 '22 — Free Cash Flow: 258.8M Q1 '23 — Revenue: 483.3M Q1 '23 — Gross Profit: 285.9M Q1 '23 — Free Cash Flow: 271.6M Q2 '23 — Revenue: 499.4M Q2 '23 — Gross Profit: 299.4M Q2 '23 — Free Cash Flow: 289.1M Q3 '23 — Revenue: 551.4M Q3 '23 — Gross Profit: 319.6M Q3 '23 — Free Cash Flow: 258.5M Q4 '23 — Revenue: 583.6M Q4 '23 — Gross Profit: 325M Q4 '23 — Free Cash Flow: 302.5M Q1 '24 — Revenue: 609.9M Q1 '24 — Gross Profit: 345.9M Q1 '24 — Free Cash Flow: 337.3M Q2 '24 — Revenue: 628.4M Q2 '24 — Gross Profit: 370.2M Q2 '24 — Free Cash Flow: 349.9M Q3 '24 — Revenue: 689.9M Q3 '24 — Gross Profit: 400.4M Q3 '24 — Free Cash Flow: 387.6M Q4 '24 — Revenue: 729.6M Q4 '24 — Gross Profit: 413M Q4 '24 — Free Cash Flow: 420.3M Q1 '25 — Revenue: 745.5M Q1 '25 — Gross Profit: 426.2M Q1 '25 — Free Cash Flow: 378.3M Q2 '25 — Revenue: 764M Q2 '25 — Gross Profit: 441.5M Q2 '25 — Free Cash Flow: 436.1M Q3 '25 — Revenue: 802.7M Q3 '25 — Gross Profit: 460.7M Q3 '25 — Free Cash Flow: 470.5M Q4 '25 — Revenue: 839.4M Q4 '25 — Gross Profit: 501.9M Q4 '25 — Free Cash Flow: 487.1M Q1 '26 — Revenue: 875.1M Q1 '26 — Gross Profit: 529M Q1 '26 — Free Cash Flow: 463.8M Q2 '26 — Revenue: 928.9M Q2 '26 — Gross Profit: 568.1M Q2 '26 — Free Cash Flow: 531.4M 0 200M 400M 600M 800M 1B
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Gross Profit Free Cash Flow

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

6.1
OE margin 55.7%
Oper. margin 24.0%
ROIC 10.2%
Accruals -22.8%
FCF margin 56.7%
OCF / EBIT 2.4×
OCF margin 58.0%
ROE 23.7%
Gross margin 59.8%
ROA 4.9%
ROCE 11.6%

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

9.5
EV/OE 5.5×
EV/EBIT 12.8×
FCF yield 34.0%
P/E 16.2×
EV/GP 5.2×
EV/Sales 3.1×
P/B 3.8×
P/C 47.0×
Div. yield —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.6
RPO / sales —
RPO growth —
Segment HHI —

3 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

4.5
ND/EBITDA -0.46
Payout 0.0%
Quick ratio 6.9×
F-score 6.8 pts
Debt payback 2.5 yr
Cash / Debt 0.024×
Debt / Eq 3.3×
Cash runway —

3 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

5.6
Sales CAGR 4Y +27.1%
Sales/sh Y/Y +23.9%
EBIT CAGR +24.6%
EBIT Y/Y +24.5%
EPS CAGR 4Y +14.1%
EPS Y/Y +46.1%
Sales Q/Q +21.6%
Div. growth —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.