About Enova International (NYSE:ENVA)
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
Industry Personal credit institutions
Sub-IndustryN/A
SectorFinance
SymbolNYSE:ENVA
CUSIPN/A
Phone312-568-4200
Debt
Debt-to-Equity Ratio2.80%
Current Ratio9.31%
Quick Ratio9.31%
Price-To-Earnings
Trailing P/E Ratio20.22
Forward P/E Ratio13.29
P/E GrowthN/A
Sales & Book Value
Annual Sales$843.74 million
Price / Sales0.93
Cash Flow$1.8541 per share
Price / Cash12.54
Book Value$8.42 per share
Price / Book2.76
Profitability
EPS (Most Recent Fiscal Year)$1.15
Net Income$29.24 million
Net Margins3.47%
Return on Equity14.11%
Return on Assets3.59%
Miscellaneous
Employees1,109
Outstanding Shares33,650,000
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 announced that its Board of Directors has initiated a stock buyback plan on Saturday, September 16th 2017, which permits the company to repurchase $25,000,000.00 in shares, according to EventVestor. This repurchase authorization permits the company to purchase up to 63% of its stock through open market purchases. Stock repurchase plans are often a sign that the company's board believes its stock is undervalued.
How were Enova International's earnings last quarter?
Enova International (NYSE:ENVA) issued its quarterly earnings data on Thursday, February, 1st. The credit services provider reported $0.26 earnings per share for the quarter, beating the consensus estimate of $0.23 by $0.03. The credit services provider had revenue of $243.69 million for the quarter, compared to analyst estimates of $230.97 million. Enova International had a return on equity of 14.11% and a net margin of 3.47%. Enova International's quarterly revenue was up 20.4% compared to the same quarter last year. During the same quarter in the previous year, the company earned $0.25 EPS. 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 issued an update on its FY18 earnings guidance on Thursday, February, 1st. The company provided earnings per share (EPS) guidance of $1.83-2.27 for the period, compared to the Thomson Reuters consensus earnings per share estimate of $1.86. The company issued revenue guidance of $940-1000 million, compared to the consensus revenue estimate of $949.70 million.Enova International also updated its Q1 guidance to $0.59-0.81 EPS.
What price target have analysts set for ENVA?
4 brokers have issued 12-month price targets for Enova International's stock. Their predictions range from $22.00 to $27.00. On average, they expect Enova International's share price to reach $24.25 in the next year. 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. " (4/4/2018)
- 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?
Some companies that are related to Enova International include Summit Hotel Properties (INN), Westamerica Bancorporation (WABC), Safestore (SFSHF), LTC Properties (LTC), First Busey (BUSE), Agree Realty (ADC), S&T Bancorp (STBA), First Bancorp (FBP), Inversiones y Representaciones Sociedad An�nima (IRSA) (IRS), Four Corners Property (FCPT), WisdomTree Investments (WETF), Lending Club (LC), Genworth Financial (GNW), Cannae (CNNE), Provident Financial (PFG), First Commonwealth Financial (FCF), Sandy Spring Bancorp (SASR) and Third Point Reinsurance (TPRE).
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)
- Ms. Lisa M. Young, VP, Gen. Counsel & Sec. (Age 51)
- Mr. Kirk L. F. Chartier, Chief Marketing Officer & Exec. VP (Age 54)
Has Enova International been receiving favorable news coverage?
News coverage about ENVA stock has trended positive this week, according to Accern Sentiment Analysis. Accern identifies negative and positive news coverage by reviewing more than twenty million blog and news sources in real-time. Accern ranks coverage of public 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 0.36 on Accern's scale. They also assigned media stories about the credit services provider an impact score of 48.19 out of 100, meaning that recent news coverage is somewhat unlikely to have an effect on the company's share price in the near term.
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 $23.25.
How big of a company is Enova International?
Enova International has a market capitalization of $770.55 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.
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 (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.
Enova International (NYSE:ENVA) Price Target and Consensus Rating
(How are Consensus Ratings Calculated?) MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. Each analyst's rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst 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's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
4 Wall Street analysts have issued ratings and price targets for Enova International in the last 12 months. Their average twelve-month price target is $24.25, suggesting that the stock has a possible upside of 4.30%. The high price target for ENVA is $27.00 and the low price target for ENVA is $22.00. There are currently 4 buy ratings for the stock, resulting in a consensus rating of "Buy."
| Today | 30 Days Ago | 90 Days Ago | 180 Days Ago |
| Consensus Rating: | Buy | Buy | Buy | Buy |
| Consensus Rating Score: | 3.00 | 3.00 | 2.75 | 2.60 |
| Ratings Breakdown: | 0 Sell Rating(s)
0 Hold Rating(s)
4 Buy Rating(s)
0 Strong Buy Rating(s) | 0 Sell Rating(s)
0 Hold Rating(s)
4 Buy Rating(s)
0 Strong Buy Rating(s) | 0 Sell Rating(s)
1 Hold Rating(s)
3 Buy Rating(s)
0 Strong Buy Rating(s) | 0 Sell Rating(s)
2 Hold Rating(s)
3 Buy Rating(s)
0 Strong Buy Rating(s) |
| Consensus Price Target: | $24.25 | $24.25 | $18.00 | $15.00 |
| Price Target Upside: | 4.30% upside | 5.66% upside | 10.43% upside | 4.17% upside |
Enova International (NYSE:ENVA) Consensus Price Target History
Enova International (NYSE:ENVA) Analyst Ratings History
Show:
(Data available from 4/20/2016 forward)
Enova International (NYSE:ENVA) Dividend History by Quarter
| Announced | Period | Amount | Yield | Ex-Dividend Date | Record Date | Payable Date |
|---|
(Data available from 1/1/2013 forward)
Enova International (NYSE ENVA) Insider Trading and Institutional Ownership History
Insider Ownership Percentage: 5.60%
Institutional Ownership Percentage: 94.86%
Enova International (NYSE ENVA) Insider Trading History
| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Shares Held After Transaction | Details |
|---|
| 3/16/2018 | Ellen Carnahan | Director | Buy | 1,090 | $22.85 | $24,906.50 | |  |
| 3/14/2018 | Gregg A. Kaplan | Director | Sell | 19,222 | $23.01 | $442,298.22 | | |
| 2/22/2018 | Mark Tebbe | Director | Sell | 5,000 | $22.49 | $112,450.00 | | |
| 2/8/2018 | James A. Gray | Director | Sell | 25,000 | $20.07 | $501,750.00 | | |
| 11/8/2017 | Mark Mcgowan | Director | Buy | 30,000 | $13.97 | $419,100.00 | 22,689 | |
| 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 | 424,912 | |
| 8/29/2016 | Cash America International Inc | Major Shareholder | Sell | 34,450 | $9.42 | $324,519.00 | 424,912 | |
| 8/24/2016 | Cash America International Inc | Major Shareholder | Sell | 3,458 | $9.18 | $31,744.44 | 424,912 | |
| 8/23/2016 | Cash America International Inc | Major Shareholder | Sell | 4,100 | $9.49 | $38,909.00 | 424,912 | |
| 8/22/2016 | Cash America International Inc | Major Shareholder | Sell | 14,300 | $9.33 | $133,419.00 | 424,912 | |
| 8/19/2016 | Cash America International Inc | Major Shareholder | Sell | 19,230 | $9.36 | $179,992.80 | 424,912 | |
| 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 | 5,945,092 | |
| 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 | 469,593 | |
| 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 | 471,218 | |
| 1/20/2016 | Cash America International Inc | major shareholder | Sell | 557 | $5.26 | $2,929.82 | 518,138 | |
| 12/21/2015 | James Cody Salters | VP | Buy | 4,000 | $6.18 | $24,720.00 | 10,721 | |
| 11/20/2015 | James A Gray | Director | Buy | 22,000 | $7.70 | $169,400.00 | 19,437 | |
| 10/20/2015 | Cash America International Inc | major shareholder | Sell | 12,725 | $13.00 | $165,425.00 | 520,361 | |
| 9/9/2015 | Daniel Shteyn | VP | Buy | 3,000 | $12.74 | $38,220.00 | 23,676 | |
| 8/27/2015 | Joe Decosmo | VP | Buy | 1,291 | $11.78 | $15,207.98 | 26,834 | |
| 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 | | |
(Data available from 1/1/2013 forward)
Enova International (NYSE ENVA) News Headlines
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Enova International (NYSE:ENVA) SEC Filings
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Enova International (NYSE:ENVA) Income Statement, Balance Sheet and Cash Flow Statement
Enova International (NYSE ENVA) Stock Chart for Friday, April, 20, 2018
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