Enova International, Inc., a technology and analytics company, provides online financial services. The company offers short-term consumer loans; line of credit accounts; installment loans; receivables purchase agreements; CSO programs, including credit-related services, such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs comprising technology, loan servicing, and marketing services to the bank, as well as Enova Decisions, an analytics as a service that enables companies to take decisions about their customers through existing tools and technologies. It offers loans to consumers under the names CashNetUSA and NetCredit in the United States; QuickQuid, Pounds to Pocket, and On Stride Financial names in the United Kingdom; and Simplic name in Brazil. The company also offers financing to small businesses under the names Headway Capital and The Business Backer in the United States. Enova International, Inc. was founded in 2011 and is headquartered in Chicago, Illinois.
Industry, Sector and Symbol
Stock Exchange NYSE
Industry Personal credit institutions
Sub-IndustryN/A
SectorFinance
SymbolNYSE:ENVA
CUSIPN/A
Phone312-568-4200
Debt
Debt-to-Equity Ratio2.39
Current Ratio9.45
Quick Ratio9.45
Price-To-Earnings
Trailing P/E Ratio33.26
Forward P/E Ratio17.55
P/E GrowthN/A
Sales & Book Value
Annual Sales$843.74 million
Price / Sales1.54
Cash Flow$1.8240 per share
Price / Cash20.97
Book Value$8.42 per share
Price / Book4.54
Profitability
EPS (Most Recent Fiscal Year)$1.15
Net Income$29.24 million
Net Margins4.78%
Return on Equity20.25%
Return on Assets5.21%
Miscellaneous
Employees1,109
Outstanding Shares33,880,000
Market Cap$1,297.48
Enova International (NYSE:ENVA) Frequently Asked Questions
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 declared that its board has authorized a stock buyback program on Saturday, September 16th 2017, which allows the company to buyback $25,000,000.00 in outstanding shares, according to EventVestor. This buyback authorization allows the company to reacquire up to 63% of its stock through open market purchases. Stock buyback programs are usually an indication that the company's management believes its stock is undervalued.
How were Enova International's earnings last quarter?
Enova International Inc (NYSE:ENVA) issued its earnings results on Thursday, April, 26th. The credit services provider reported $1.02 earnings per share (EPS) for the quarter, topping the Zacks' consensus estimate of $0.68 by $0.34. The credit services provider had revenue of $254.30 million for the quarter, compared to analysts' expectations of $231.68 million. Enova International had a net margin of 4.78% and a return on equity of 20.25%. The firm's revenue for the quarter was up 32.2% on a year-over-year basis. During the same period in the prior year, the business earned $0.41 EPS. View Enova International's Earnings History.
What guidance has Enova International issued on next quarter's earnings?
Enova International issued an update on its FY18 earnings guidance on Thursday, April, 26th. The company provided EPS guidance of $2.10-2.66 for the period, compared to the Thomson Reuters consensus EPS estimate of $2.02. The company issued revenue guidance of $980 million - $1.04 billion, compared to the consensus revenue estimate of $976.31 million.Enova International also updated its Q2 guidance to $0.41-0.62 EPS.
What price target have analysts set for ENVA?
4 brokerages have issued 1 year target prices for Enova International's shares. Their predictions range from $22.00 to $32.00. On average, they expect Enova International's share price to reach $27.00 in the next twelve months. This suggests that the stock has a possible downside of 29.4%. View Analyst Ratings for Enova International.
What is the consensus analysts' recommendation for Enova International?
4 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Enova International in the last year. There are currently 4 buy ratings for the stock, resulting in a consensus recommendation of "Buy."
What are Wall Street 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. " (7/10/2018)
- 2. Maxim Group analysts commented, "With positive stock price performance since reporting 4Q17 results on February 1, ENVA shares are approaching our previous price target of $23. We are raising our price target to $27, based on earnings momentum and increased confidence in our estimates. For more in depth views on the sector, please see our Industry report from this morning; fintech Lending’s Dirty Little Secrets: Not So Dirty." (2/20/2018)
Who are some of Enova International's key competitors?
Who are Enova International's key executives?
Enova International's management team includes the folowing people:
- Mr. David A. Fisher J.D., Chairman, Pres & CEO (Age 49)
- Mr. Steven E. Cunningham, Exec. VP, Treasurer & CFO (Age 48)
- Mr. Gregory T. Zeeman, Exec. VP & COO (Age 49)
- Mr. Kirk L. F. Chartier, Chief Marketing Officer & Exec. VP (Age 54)
- Mr. John J. Higginson, Chief Technology Officer and VP (Age 50)
Has Enova International been receiving favorable news coverage?
Press coverage about ENVA stock has been trending somewhat negative on Saturday, according to Accern Sentiment Analysis. The research firm ranks the sentiment of news coverage by analyzing more than twenty million blog and news sources. Accern ranks coverage of publicly-traded companies on a scale of -1 to 1, with scores nearest to one being the most favorable. Enova International earned a news impact score of -0.05 on Accern's scale. They also gave press coverage about the credit services provider an impact score of 43.98 out of 100, indicating that recent news coverage is somewhat unlikely to have an impact on the stock's share price in the near term.
Who are Enova International's major shareholders?
Enova International's stock is owned by a number of of retail and institutional investors. Top institutional shareholders include James Investment Research Inc. (0.50%), Municipal Employees Retirement System of Michigan (0.03%) and Xact Kapitalforvaltning AB (0.02%). Company insiders that own Enova International stock include Cash America International Inc, Csh Holdings Llc, Ellen Carnahan, Firstcash, Inc, Gregg A Kaplan, James A Gray, John Higginson, Mark Mcgowan and Mark Tebbe. View Institutional Ownership Trends for Enova International.
Which institutional investors are selling Enova International stock?
ENVA stock was sold by a variety of institutional investors in the last quarter, including Municipal Employees Retirement System of Michigan. Company insiders that have sold Enova International company stock in the last year include Gregg A Kaplan, James A Gray and Mark Tebbe. View Insider Buying and Selling for Enova International.
Which institutional investors are buying Enova International stock?
ENVA stock was acquired by a variety of institutional investors in the last quarter, including James Investment Research Inc. and Xact Kapitalforvaltning AB. Company insiders that have bought Enova International stock in the last two years include Ellen Carnahan and Mark Mcgowan. View Insider Buying and Selling for Enova International.
How do I buy shares of Enova International?
Shares of ENVA can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is Enova International's stock price today?
One share of ENVA stock can currently be purchased for approximately $38.25.
How big of a company is Enova International?
Enova International has a market capitalization of $1.30 billion and generates $843.74 million in revenue each year. The credit services provider earns $29.24 million in net income (profit) each year or $1.15 on an earnings per share basis. Enova International employs 1,109 workers across the globe.
How can I contact Enova International?
Enova International's mailing address is 175 WEST JACKSON BLVD. SUITE 1000, CHICAGO IL, 60604. The credit services provider can be reached via phone at 312-568-4200.
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 ENVA will outperform the S&P 500 over the long term. Vote "Underperform" if you believe ENVA will underperform the S&P 500 over the long term. You may vote once every thirty days.
