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Enova International Inc
ENVA | US
163.57
USD-0.76
-0.46%
ENVA | US
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About Enova International Inc
Sector
Financial Services
Industry
Credit Services
Earnings date
30/06/2024
As of date
02/06/2026
Close
163.57
Open
163.70
High
166.03
Low
163.03
Enova International Inc. operates as a financial services company with online lending that serves small businesses and consumers who are underserved by traditional banks. The company offers installment loans; line of credit accounts; CSO programs including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA NetCredit OnDeck Headway Capital Simplic and Pangea names. The company through its analytics and machine learning algorithms serves approximately 8 million customers. Enova International Inc. was incorporated in 2011 and is headquartered in Chicago Illinois.
View LessENVA | US
Risk
34.2
Sharpe
1.90
Luna's Score
57/100
Recommendation
Hold
Luna says (ENVA | US)
What's Working
Value Stock (Price to Book < 3)
Strong Revenue Growth (> 10%)
Strong Sharpe Ratio (> 1.2)
What's not Working
Midcap (2B - 10B USD)
High Market Beta (> 0.8)
High Debt to Equity (> 0.75)
High Debt to Asset (> 0.45)
Volatility Signals
Bearish: Increased Volatility (6-month > 1-month volatility)
Risk Meter
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10 days
30.8%1 month
34.2%3 months
33.1%6 months
39.4%Returns
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Fundamental Ratios
PE
14.47
Fwd. PE
8.70
Price to book
2.02
Debt to equity
2.81
Debt to assets
0.67
Ent. to EBITDA
20.02
Ent. to rev.
2.31
PEG
-
Other Fundamentals
EBITDA
-
MarketCap
4.32B
MarketCap(USD)
4.32B
Div. yield
-
Op. margin
24.76
Erngs. growth
28.70
Rev. growth
17.90
Ret. on equity
14.89
Short ratio
9.44
Short perc.
9.56
Market Sentiment (SMA and Price signals)
Short-term: Bearish (SMA10D < SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
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Range10D
9.48
Range1M
18.51
Range3M
46.77
Volumes: Market Activity
Volume Averages
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Rel. volume
0.57
Price X volume
18.96M
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | 20.02 | 13.23 | Expensive |
| Ent. to Revenue | 2.31 | 11.29 | Cheaper |
| PE Ratio | 14.47 | 18.44 | Cheaper |
| Price to Book | 2.02 | 3.87 | Cheaper |
| Dividend Yield | - | 4.90 | - |
| Std. Deviation (3M) | 33.07 | 45.36 | Lower Risk |
| Debt to Equity | 2.81 | 6.69 | Cheaper |
| Debt to Assets | 0.67 | 0.42 | Expensive |
| Market Cap | 4.32B | 23.69B | Emerging |
