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
Current SymbolNYSE:ENVA
Previous Symbol
CUSIPN/A
Phone312-568-4200
Debt
Debt-to-Equity Ratio2.70
Current Ratio8.94
Quick Ratio8.94
Price-To-Earnings
Trailing P/E Ratio20.14
Forward P/E Ratio9.94
P/E GrowthN/A
Sales & Book Value
Annual Sales$843.74 million
Price / Sales0.94
Cash Flow$1.8396 per share
Price / Cash12.59
Book Value$10.29 per share
Price / Book2.25
Profitability
EPS (Most Recent Fiscal Year)$1.15
Net Income$29.24 million
Net Margins6.54%
Return on Equity22.44%
Return on Assets5.85%
Miscellaneous
Employees1,109
Outstanding Shares34,280,000
Market Cap$787.98 million
OptionableOptionable
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 of Directors has initiated a share repurchase plan on Saturday, September 16th 2017, which allows the company to buyback $25,000,000.00 in shares, according to EventVestor. This buyback authorization allows the company to repurchase up to 63% of its stock through open market purchases. Stock buyback plans are usually 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, October, 25th. The credit services provider reported $0.40 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.41 by $0.01. The credit services provider earned $293.88 million during the quarter, compared to analyst estimates of $267.54 million. Enova International had a return on equity of 22.44% and a net margin of 6.54%. View Enova International's Earnings History.
When is Enova International's next earnings date?
What guidance has Enova International issued on next quarter's earnings?
Enova International updated its FY 2018 earnings guidance on Thursday, October, 25th. The company provided EPS guidance of $2.46-2.67 for the period, compared to the Thomson Reuters consensus EPS estimate of $2.48. The company issued revenue guidance of $1.091-1.111 billion, compared to the consensus revenue estimate of $1.06 billion.Enova International also updated its Q4 2018 guidance to $0.40-0.61 EPS.
What price target have analysts set for ENVA?
4 equities research analysts have issued twelve-month price objectives for Enova International's shares. Their predictions range from $24.00 to $45.00. On average, they anticipate Enova International's share price to reach $38.00 in the next twelve months. This suggests a possible upside of 64.1% from the stock's current price. View Analyst Price Targets 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." View Analyst Ratings for Enova International.
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. " (10/31/2018)
- 2. Maxim Group analysts commented, "2Q18 results were strong, with revenue above management’s guidance range and other key metrics consistent with guidance. Management raised 2018 guidance (see below). We are leaving our 2018 estimates essentially unchanged, at $2.04 for EPS and $204.9 million for adjusted EBITDA. Importantly, we have more confidence in our estimates, due to credit quality (the most important success factor, in our view) remaining stable as loans have grown. We maintain our price target at $43, which represents a discount to the valuation of LendingClub (LC – Buy)." (7/27/2018)
Has Enova International been receiving favorable news coverage?
Media stories about ENVA stock have trended somewhat negative recently, InfoTrie reports. The research group identifies positive and negative press coverage by analyzing more than six thousand news and blog sources in real time. The firm ranks coverage of companies on a scale of negative five to five, with scores nearest to five being the most favorable. Enova International earned a news sentiment score of -1.8 on InfoTrie's scale. They also assigned news stories about the credit services provider a news buzz of 10.0 out of 10, indicating that recent press coverage is extremely likely to have an effect on the company's share price in the immediate future.
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, CTO & VP (Age 50)
Who are Enova International's major shareholders?
Enova International's stock is owned by a number of of institutional and retail investors. Top institutional shareholders include Bank of New York Mellon Corp (1.34%), Panagora Asset Management Inc. (0.87%), Fuller & Thaler Asset Management Inc. (0.75%), SG Americas Securities LLC (0.74%), James Investment Research Inc. (0.52%) and Tieton Capital Management LLC (0.40%). Company insiders that own Enova International stock include 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 Tieton Capital Management LLC, O Shaughnessy Asset Management LLC, Livforsakringsbolaget Skandia Omsesidigt, Panagora Asset Management Inc., Fuller & Thaler Asset Management Inc. and Comerica Bank. 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 purchased by a variety of institutional investors in the last quarter, including SG Americas Securities LLC, Bowling Portfolio Management LLC, Bank of New York Mellon Corp, Capital Fund Management S.A., Connor Clark & Lunn Investment Management Ltd., Osborn Williams & Donohoe LLC, First Quadrant L P CA and James Investment Research Inc.. 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 $23.16.
How big of a company is Enova International?
Enova International has a market capitalization of $787.98 million 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.
What is Enova International's official website?
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.
