NYSE Financial Services Financial - Credit Services ENVA

Enova International, Inc.

$ 202.55 2.66 %

Enova International, Inc., a technology-driven analytics firm, offers online financial solutions across various markets, including the United States, Brazil, Australia, and Canada. Its product portfolio includes fixed-term installment loans, revolving lines of credit, and agreements for purchasing receivables. The company also operates Credit Services Organization (CSO) programs, facilitating loans by connecting consumers with independent third-party lenders and providing assistance with application documents. Additionally, Enova manages bank programs, contributing marketing and loan servicing support for near-prime, unsecured consumer installment products. These diverse financial offerings are marketed under well-known brand names such as CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea. Established in 2011, Enova International, Inc. maintains its headquarters in Chicago, Illinois.

CEO: Steven E. Cunningham - https://www.enova.com

Summary 30-Y Financials Dividend Analyst Key metrics Ownership / Senat
Price objectif

$205 1.21 %

Recommandation

Buy

DCF

$ 191.57

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ENVA vs S&P500

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Quick ratio

0.23

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

16.48

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

12.29

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

24.88 %

is generally considered excellent, indicating that the company is generating strong profits with its equity.

ROIC

215.13 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

7.08

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

3.47

means it relies more on debt, which can increase financial risk.

Free cash flow per share

74.68

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

0.00 %

the dividend payout ratio is the measure of dividends paid out to shareholders relative to the company's net income.

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
1.69 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.23 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.71 indicates a moderate level of debt, which is generally acceptable but may present some risk
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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