About Enova International (NYSE:ENVA)
Enova International, Inc. is a technology and analytics company. The Company provides online financial services. As of December 31, 2016, the Company offered or arranged loans to consumers in 33 states in the United States and in the United Kingdom and Brazil. As of December 31, 2016, it also offered financing to small businesses in all 50 states and Washington D.C. in the United States. The Company provides online financial services to non-prime credit consumers and small businesses in the United States, United Kingdom, and Brazil. Its customers include small businesses, which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. The Company's financing products include short-term loans, line of credit accounts, installment loans and receivables purchase agreements (RPAs).
Industry, Sector and Symbol:
- Sector: Finance
- Industry: Personal & Car Loans
- Sub-Industry: N/A
- Symbol: NYSE:ENVA
- CUSIP: N/A
- Web: www.enova.com
- Market Cap: $501.88 million
- Outstanding Shares: 33,683,000
- 50 Day Moving Avg: $13.41
- 200 Day Moving Avg: $13.90
- 52 Week Range: $8.68 - $16.80
Sales & Book Value:
- Trailing P/E Ratio: 12.00
- Foreward P/E Ratio: 9.80
- P/E Growth: 0.00
- Annual Revenue: $712.65 million
- Price / Sales: 0.70
- Book Value: $8.16 per share
- Price / Book: 1.83
- Net Margins: 5.42%
- Return on Equity: 15.97%
- Return on Assets: 4.08%
- Debt-to-Equity Ratio: 2.33%
- Current Ratio: 7.59%
- Quick Ratio: 7.59%
- Average Volume: 361,509 shs.
- Beta: 3.48
- Short Ratio: 11.2
Frequently Asked Questions for Enova International (NYSE:ENVA)
What is Enova International's stock symbol?
Enova International trades on the New York Stock Exchange (NYSE) under the ticker symbol "ENVA."
How will Enova International's stock buyback program work?
Enova International announced that its board has approved a stock repurchase plan on Saturday, September 16th 2017, which allows the company to repurchase $25,000,000.00 in shares, according to EventVestor. This repurchase authorization allows the company to reacquire up to 63% of its stock through open market purchases. Stock repurchase plans are generally a sign that the company's board of directors believes its shares are undervalued.
How were Enova International's earnings last quarter?
Enova International, Inc. (NYSE:ENVA) released its earnings results on Thursday, July, 27th. The company reported $0.35 EPS for the quarter, meeting the Thomson Reuters' consensus estimate of $0.35. The firm earned $189.90 million during the quarter, compared to the consensus estimate of $193.70 million. Enova International had a net margin of 5.42% and a return on equity of 15.97%. The firm's revenue for the quarter was up 10.1% on a year-over-year basis. During the same quarter last year, the firm earned $0.25 EPS. View Enova International's Earnings History.
When will Enova International make its next earnings announcement?
What guidance has Enova International issued on next quarter's earnings?
Enova International issued an update on its FY17 earnings guidance on Thursday, July, 27th. The company provided EPS guidance of $1.07-1.43 for the period, compared to the Thomson Reuters consensus estimate of $1.41. The company issued revenue guidance of $810-860 million, compared to the consensus revenue estimate of $833.27 million.Enova International also updated its Q3 guidance to $0.07-0.25 EPS.
Where is Enova International's stock going? Where will Enova International's stock price be in 2017?
5 analysts have issued 12-month price objectives for Enova International's shares. Their predictions range from $10.00 to $18.00. On average, they expect Enova International's share price to reach $15.00 in the next year. View Analyst Ratings for Enova International.
What are analysts saying about Enova International stock?
Here are some recent quotes from research analysts about Enova International stock:
- 1. According to Zacks Investment Research, "Enova International, Inc. is a provider of online financial services. It offers loans to customers in the United States and in the United Kingdom, Australia and Canada. The Company's customers include consumers who have bank accounts but use alternative financial credit services because of their limited access to more traditional consumer credit from banks, thrifts, credit card companies and other lenders. Enova International, Inc is headquartered in Chicago. " (10/11/2017)
- 2. Maxim Group analysts commented, "On October 5, the Consumer Financial Protection Bureau (CFPB) published its final rule related to high-cost personal consumer loans. Unlike the previously proposed small dollar rule," which would have impacted the underwriting of almost all high-cost personal consumer loans, the final rule was narrowed to impact the underwriting of only payday loans, auto title loans, and balloon- payment loans, that is, single-pay loans." (10/9/2017)
Who are some of Enova International's key competitors?
Some companies that are related to Enova International include CPB (CPF), Lakeland Bancorp (LBAI), Customers Bancorp (CUBI), Meridian Bancorp (EBSB), Banc of California (BANC), CIM Commercial Trust Corporation (CMCT), TriCo Bancshares (TCBK), MainSource Financial Group (MSFG), TCP Capital Corp. (TCPC), Parkway Properties (PKY), United Financial Bancorp (UBNK), Capstead Mortgage Corporation (CMO), Fanhua (FANH), Kinsale Capital Group (KNSL), Heritage Financial Corporation (HFWA), Solar Capital (SLRC), American Capital Mortgage Investment Corp. (MTGE) and Opus Bank (OPB).
Who are Enova International's key executives?
Enova International's management team includes the folowing people:
- David A. Fisher, Chairman of the Board, President, Chief Executive Officer
- Steven E. Cunningham, Chief Financial Officer, Executive Vice President, Principal Accounting Officer, Treasurer
- Greg Zeeman, Chief Operating Officer, Executive Vice President
- Kirk L.F. Chartier, Executive Vice President, Chief Marketing Officer
- John J. Higginson, Chief Technology Officer, Vice President
- Sean Rahilly, Chief Compliance Officer, Vice President
- Jim Salters, Vice President - Operations
- Lisa M. Young, Vice President, General Counsel, Secretary
- Joseph M. DeCosmo, Vice President - Chief Analytics Officer
- James A. Gray, Lead Independent Director
How do I buy Enova International stock?
Shares of Enova International can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is Enova International's stock price today?
MarketBeat Community Rating for Enova International (NYSE ENVA)MarketBeat's community ratings are surveys of what our community members think about Enova International and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.
One share of Enova International stock can currently be purchased for approximately $14.90.
Consensus Ratings for Enova International (NYSE:ENVA) (How are Consensus Ratings Calculated?)
MarketBeat calculates consensus ratings using the most recent rating from each brokerage that has rated a stock within the last twelve months. Since brokers often use different ratings systems, each rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings. Each stock's consensus rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months.
MarketBeat will no longer include ratings and price target data in its consensus calculation if a broker drops coverage and MarketBeat has received a report that coverage was dropped. Ratings from certain research firms that issue ratings using purely quantitative methods (such as Zacks, Vetr and ValuEngine) are not included in consensus calculations. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
|Ratings Breakdown: ||2 Hold Ratings, 3 Buy Ratings|
|Consensus Rating:||Buy (Score: 2.60)|
|Consensus Price Target: ||$15.00 (0.67% upside)|Consensus Price Target History for Enova International (NYSE:ENVA)
Analysts' Ratings History for Enova International (NYSE:ENVA)
(Data available from 10/22/2015 forward)
|Date||Firm||Action||Rating||Price Target||Impact on Share Price||Details|
|10/17/2017||Maxim Group||Reiterated Rating||Buy||$18.00||N/A|
|10/12/2017||Jefferies Group LLC||Reiterated Rating||Buy||$17.00||N/A|
|2/3/2017||Telsey Advisory Group||Boost Price Target||Market Perform||$10.00 -> $15.00||N/A|
|10/30/2016||FBR & Co||Reiterated Rating||Market Perform||$9.00 -> $10.00||N/A|
|10/10/2016||JMP Securities||Reiterated Rating||Buy||N/A|
|1/14/2016||Janney Montgomery Scott||Initiated Coverage||Neutral||$7.00||N/A|
Earnings History for Enova International (NYSE:ENVA)Earnings History by Quarter for Enova International (NYSE ENVA)
(Data available from 1/1/2011 forward)
|Date||Quarter||Consensus Estimate||Actual EPS||Revenue Estimate||Actual Revenue||Release Link||Conference Call||Details|
|7/27/2017||Q2 2017||$0.35||$0.35||$193.70 million||$189.90 million||View||N/A|
|4/28/2017||Q1 2017||$0.38||$0.41||$192.10 million||$192.30 million||View||N/A|
|2/2/2017||Q416||$0.22||$0.19||$199.80 million||$202.40 million||View||Listen|
|10/27/2016||Q316||$0.18||$0.28||$184.70 million||$195.94 million||View||Listen|
|7/28/2016||Q216||$0.22||$0.25||$165.80 million||$172.50 million||View||Listen|
|4/28/2016||Q116||$0.21||$0.31||$165.28 million||$174.65 million||View||N/A|
|2/4/2016||Q415||$0.09||$0.13||$171.06 million||$175.40 million||View||N/A|
|11/4/2015||Q315||$0.36||$0.14||$165.85 million||$165.20 million||View||N/A|
|8/5/2015||Q215||$0.47||$0.40||$156.35 million||$146.30 million||View||N/A|
|5/6/2015||Q115||$0.69||$0.74||$178.50 million||$165.70 million||View||N/A|
|2/3/2015||Q414||$0.53||$0.68||$204.00 million||$194.70 million||View||N/A|
Earnings Estimates for Enova International (NYSE:ENVA)
Current Year EPS Consensus Estimate: $1.05 EPS
Next Year EPS Consensus Estimate: $1.52 EPS
Dividend History for Enova International (NYSE:ENVA)
No dividend announcements for this company have been tracked by MarketBeat.com
Insider Trading and Institutional Ownership History for Enova International (NYSE:ENVA)
Insider Ownership Percentage: 1.60%Insider Trades by Quarter for Enova International (NYSE:ENVA)
Institutional Ownership Percentage: 95.32%
(Data available from 1/1/2013 forward)
|Transaction Date||Insider Name||Title||Buy/Sell||Number of Shares||Average Share Price||Total Transaction||Details|
|3/17/2017||John Higginson||VP||Sell||3,500||$14.31||$50,085.00|| |
|11/14/2016||Firstcash, Inc||Major Shareholder||Sell||2,110,051||$9.88||$20,847,303.88|| |
|11/8/2016||Firstcash, Inc||Major Shareholder||Sell||190,638||$8.90||$1,696,678.20|| |
|11/2/2016||Firstcash, Inc||Major Shareholder||Sell||100,000||$8.80||$880,000.00|| |
|10/28/2016||Firstcash, Inc||Major Shareholder||Sell||552,047||$9.25||$5,106,434.75|| |
|10/27/2016||Firstcash, Inc||Major Shareholder||Sell||53,504||$9.07||$485,281.28|| |
|10/25/2016||Firstcash, Inc||Major Shareholder||Sell||46,851||$9.16||$429,155.16|| |
|10/24/2016||Firstcash, Inc||Major Shareholder||Sell||16,039||$9.10||$145,954.90|| |
|10/21/2016||Firstcash, Inc||Major Shareholder||Sell||5,912||$9.19||$54,331.28|| |
|10/20/2016||Firstcash, Inc||Major Shareholder||Sell||65,400||$9.19||$601,026.00|| |
|10/17/2016||Firstcash, Inc||Major Shareholder||Sell||42,190||$8.88||$374,647.20|| |
|10/13/2016||Firstcash, Inc||Major Shareholder||Sell||47,839||$9.25||$442,510.75|| |
|10/11/2016||Firstcash, Inc||Major Shareholder||Sell||33,905||$9.35||$317,011.75|| |
|10/6/2016||Firstcash, Inc||Major Shareholder||Sell||26,124||$9.47||$247,394.28|| |
|10/4/2016||Firstcash, Inc||Major Shareholder||Sell||15,252||$9.62||$146,724.24|| |
|9/30/2016||Firstcash, Inc||Major Shareholder||Sell||104,446||$9.77||$1,020,437.42|| |
|9/27/2016||Firstcash, Inc||Major Shareholder||Sell||44,375||$9.57||$424,668.75|| |
|9/22/2016||Firstcash, Inc||Major Shareholder||Sell||38,333||$9.65||$369,913.45|| |
|9/20/2016||Firstcash, Inc||Major Shareholder||Sell||29,559||$9.35||$276,376.65|| |
|9/15/2016||Firstcash, Inc||Major Shareholder||Sell||20,021||$9.25||$185,194.25|| |
|9/14/2016||Firstcash, Inc||Major Shareholder||Sell||81,145||$9.05||$734,362.25|| |
|9/9/2016||Firstcash, Inc||Major Shareholder||Sell||84,560||$9.42||$796,555.20|| |
|9/1/2016||Cash America International Inc||Major Shareholder||Sell||18,597||$9.90||$184,110.30|| |
|8/29/2016||Cash America International Inc||Major Shareholder||Sell||34,450||$9.42||$324,519.00|| |
|8/24/2016||Cash America International Inc||Major Shareholder||Sell||3,458||$9.18||$31,744.44|| |
|8/23/2016||Cash America International Inc||Major Shareholder||Sell||4,100||$9.49||$38,909.00|| |
|8/22/2016||Cash America International Inc||Major Shareholder||Sell||14,300||$9.33||$133,419.00|| |
|8/19/2016||Cash America International Inc||Major Shareholder||Sell||19,230||$9.36||$179,992.80|| |
|8/16/2016||Cash America International Inc||Major Shareholder||Sell||12,297||$9.30||$114,362.10|| |
|8/11/2016||Csh Holdings Llc||Major Shareholder||Sell||15,766||$9.21||$145,204.86|| |
|8/8/2016||Cash America International Inc||Major Shareholder||Sell||21,521||$9.29||$199,930.09|| |
|8/3/2016||Cash America International Inc||Major Shareholder||Sell||16,872||$9.08||$153,197.76|| |
|4/19/2016||Cash America International Inc||Major Shareholder||Sell||612||$6.05||$3,702.60|| |
|2/11/2016||James A. Gray||Director||Buy||40,000||$5.69||$227,600.00|| |
|2/2/2016||Cash America International Inc||major shareholder||Sell||16,753||$5.18||$86,780.54|| |
|1/20/2016||Cash America International Inc||major shareholder||Sell||557||$5.26||$2,929.82|| |
|12/21/2015||James Cody Salters||VP||Buy||4,000||$6.18||$24,720.00|| |
|11/20/2015||James A Gray||Director||Buy||22,000||$7.70||$169,400.00|| |
|10/20/2015||Cash America International Inc||major shareholder||Sell||12,725||$13.00||$165,425.00|| |
|9/9/2015||Daniel Shteyn||VP||Buy||3,000||$12.74||$38,220.00|| |
|8/27/2015||Joe Decosmo||VP||Buy||1,291||$11.78||$15,207.98|| |
|6/12/2015||Cash America International Inc||Major Shareholder||Sell||18,539||$18.96||$351,499.44|| |
|2/12/2015||Gregg A Kaplan||Director||Buy||4,585||$22.01||$100,915.85|| |
|12/10/2014||Mark Tebbe||Director||Buy||10,000||$21.92||$219,200.00|| |
|12/4/2014||James A Gray||Director||Buy||4,600||$21.93||$100,878.00|| |
|11/24/2014||James A Gray||Director||Buy||15,000||$22.98||$344,700.00|| |
Headline Trends for Enova International (NYSE:ENVA)
Latest Headlines for Enova International (NYSE:ENVA)
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Enova International (ENVA) Chart for Sunday, October, 22, 2017