Business Description
Enova International Inc
NAICS : 522298
SIC : 6141
ISIN : US29357K1034
Description
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.02 | |||||
| Equity-to-Asset | 0.24 | |||||
| Debt-to-Equity | 2.82 | |||||
| Debt-to-EBITDA | 11.24 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Altman Z-Score | 2.58 | |||||
| Beneish M-Score | -3.48 | |||||
| WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 25.5 | |||||
| 3-Year EBITDA Growth Rate | -2.6 | |||||
| 3-Year EPS without NRI Growth Rate | -1.9 | |||||
| 3-Year FCF Growth Rate | 16.9 | |||||
| 3-Year Book Growth Rate | 18.5 | |||||
| Future 3-5Y EPS without NRI Growth Rate Estimate | 23.78 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 19.16 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 94.7 | |||||
| 9-Day RSI | 88.61 | |||||
| 14-Day RSI | 83.02 | |||||
| 6-1 Month Momentum % | 34.48 | |||||
| 12-1 Month Momentum % | 104.19 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 17.43 | |||||
| Quick Ratio | 17.43 | |||||
| Cash Ratio | 0.26 | |||||
| Days Payable | 65.46 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | 6.7 | |||||
| Shareholder Yield % | -17.9 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 46.61 | |||||
| Operating Margin % | 10.21 | |||||
| Net Margin % | 7.19 | |||||
| FCF Margin % | 54.83 | |||||
| ROE % | 15.1 | |||||
| ROA % | 3.9 | |||||
| ROIC % | 4.57 | |||||
| 3-Year ROIIC % | -2.25 | |||||
| ROC (Joel Greenblatt) % | 186.09 | |||||
| ROCE % | 5.91 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 16.43 | |||||
| Forward PE Ratio | 9.42 | |||||
| PE Ratio without NRI | 12.26 | |||||
| Shiller PE Ratio | 21.46 | |||||
| Price-to-Owner-Earnings | 10.96 | |||||
| PEG Ratio | 0.6 | |||||
| PS Ratio | 1.18 | |||||
| PB Ratio | 2.3 | |||||
| Price-to-Tangible-Book | 3.05 | |||||
| Price-to-Free-Cash-Flow | 2.16 | |||||
| Price-to-Operating-Cash-Flow | 2.09 | |||||
| EV-to-EBIT | 23.21 | |||||
| EV-to-Forward-EBIT | 8.68 | |||||
| EV-to-EBITDA | 20.14 | |||||
| EV-to-Forward-EBITDA | 8.2 | |||||
| EV-to-Revenue | 2.37 | |||||
| EV-to-Forward-Revenue | 1.85 | |||||
| EV-to-FCF | 4.32 | |||||
| Price-to-Projected-FCF | 0.21 | |||||
| Price-to-Median-PS-Value | 1.43 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.09 | |||||
| Price-to-Graham-Number | 1.29 | |||||
| Price-to-Net-Current-Asset-Value | 3.72 | |||||
| Earnings Yield (Greenblatt) % | 4.31 | |||||
| FCF Yield % | 51.02 | |||||
| Forward Rate of Return (Yacktman) % | 38.12 |
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Enova International Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 2,301.691 | ||
| EPS (TTM) (€) | 5.753 | ||
| Beta | 1.54 | ||
| Volatility % | 53.85 | ||
| 14-Day RSI | 83.02 | ||
| 14-Day ATR (€) | 1.899322 | ||
| 20-Day SMA (€) | 83.025 | ||
| 12-1 Month Momentum % | 104.19 | ||
| 52-Week Range (€) | 36.2 - 95.5 | ||
| Shares Outstanding (Mil) | 26.21 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Enova International Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Enova International Inc Stock Events
| Event | Date | Price(€) | ||
|---|---|---|---|---|
| No Event Data | ||||
Enova International Inc Frequently Asked Questions
What is Enova International Inc(STU:27E)'s stock price today?
The current price of STU:27E is €95.50. The 52 week high of STU:27E is €95.50 and 52 week low is €36.20.
When is next earnings date of Enova International Inc(STU:27E)?
The next earnings date of Enova International Inc(STU:27E) is 2025-01-30 Est..
Does Enova International Inc(STU:27E) pay dividends? If so, how much?
Enova International Inc(STU:27E) does not pay dividend.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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