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 | 2.56 | |||||
| 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 | 23.37 | |||||
| Future 3-5Y Total Revenue Growth Rate | 17.99 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 46.55 | |||||
| 9-Day RSI | 46.95 | |||||
| 14-Day RSI | 49.99 | |||||
| 6-1 Month Momentum % | 65.77 | |||||
| 12-1 Month Momentum % | 84.74 |
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 % | -18.69 |
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 | |||||
| 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 | 15.73 | |||||
| Forward PE Ratio | 9.14 | |||||
| PE Ratio without NRI | 11.74 | |||||
| Shiller PE Ratio | 20.55 | |||||
| Price-to-Owner-Earnings | 10.49 | |||||
| PEG Ratio | 0.58 | |||||
| PS Ratio | 1.13 | |||||
| PB Ratio | 2.2 | |||||
| Price-to-Tangible-Book | 2.92 | |||||
| Price-to-Free-Cash-Flow | 2.07 | |||||
| Price-to-Operating-Cash-Flow | 2 | |||||
| EV-to-EBIT | 22.53 | |||||
| EV-to-Forward-EBIT | 8.42 | |||||
| EV-to-EBITDA | 19.55 | |||||
| EV-to-Forward-EBITDA | 7.96 | |||||
| EV-to-Revenue | 2.3 | |||||
| EV-to-Forward-Revenue | 1.79 | |||||
| EV-to-FCF | 4.19 | |||||
| Price-to-Projected-FCF | 0.2 | |||||
| Price-to-Median-PS-Value | 1.37 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.04 | |||||
| Price-to-Graham-Number | 1.24 | |||||
| Price-to-Net-Current-Asset-Value | 3.56 | |||||
| Earnings Yield (Greenblatt) % | 4.44 | |||||
| FCF Yield % | 53.28 | |||||
| Forward Rate of Return (Yacktman) % | 39.31 |
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 | 1.72 | ||
| Volatility % | 51.56 | ||
| 14-Day RSI | 49.99 | ||
| 14-Day ATR (€) | 1.783327 | ||
| 20-Day SMA (€) | 95.825 | ||
| 12-1 Month Momentum % | 84.74 | ||
| 52-Week Range (€) | 49.4 - 99 | ||
| 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(FRA:27E)'s stock price today?
The current price of FRA:27E is €93.50. The 52 week high of FRA:27E is €99.00 and 52 week low is €49.40.
When is next earnings date of Enova International Inc(FRA:27E)?
The next earnings date of Enova International Inc(FRA:27E) is 2025-01-30 Est..
Does Enova International Inc(FRA:27E) pay dividends? If so, how much?
Enova International Inc(FRA:27E) does not pay dividend.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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