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
Capitalization:- Market Cap: $473.9 million
- Outstanding Shares: 33,490,000
Average Prices:- 50 Day Moving Avg: $14.10
- 200 Day Moving Avg: $13.89
- 52 Week Range: $6.47 - $15.50
P/E:- Trailing P/E Ratio: 12.57
- Foreward P/E Ratio: 9.08
- P/E Growth: 0.00
Sales & Book Value:- Annual Revenue: $696.27 million
- Price / Sales: 0.69
- Book Value: $7.72 per share
- Price / Book: 1.86
Profitability:- Net Margins: 5.06%
- Return on Equity: 15.11%
- Return on Assets: 3.76%
Debt:- Debt-to-Equity Ratio: 2.44%
- Current Ratio: 6.88%
- Quick Ratio: 6.88%
Misc:- Average Volume: 236,723 shs.
- Beta: 3.45
- Short Ratio: 9.68
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 were Enova International's earnings last quarter?
Enova International, Inc. (NYSE:ENVA) issued its earnings results on Friday, April, 28th. The company reported $0.41 earnings per share for the quarter, topping the consensus estimate of $0.38 by $0.03. The company earned $192.30 million during the quarter, compared to the consensus estimate of $192.10 million. Enova International had a net margin of 5.06% and a return on equity of 15.11%. Enova International's quarterly revenue was up 10.1% compared to the same quarter last year. During the same quarter in the prior year, the firm posted $0.31 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 FY17 earnings guidance on Thursday, April, 27th. The company provided earnings per share guidance of $0.88-1.44 for the period, compared to the Thomson Reuters consensus EPS estimate of $1.40. The company issued revenue guidance of $810-880 million, compared to the consensus revenue estimate of $831.60 million.Enova International also updated its Q2 guidance to $0.20-0.40 EPS.
Where is Enova International's stock going? Where will Enova International's stock price be in 2017?
5 analysts have issued 12 month target prices for Enova International's shares. Their forecasts range from $10.00 to $17.00. On average, they anticipate Enova International's share price to reach $13.38 in the next year. View Analyst Ratings for Enova International.
Who are some of Enova International's key competitors?
Some companies that are related to Enova International include CPB (CPF), Sandy Spring Bancorp (SASR), Enterprise Financial Services Corporation (EFSC), Moneygram International (MGI), Solar Capital (SLRC), Goldman Sachs BDC (GSBD), Hanmi Financial Corporation (HAFC), American Capital Mortgage Investment Corp. (MTGE), Lakeland Bancorp (LBAI), UNIVERSAL INSURANCE HOLDINGS INC (UVE), OceanFirst Financial Corp. (OCFC), Piper Jaffray Companies (PJC), iStar Financial (STAR), Meridian Bancorp (EBSB), Getty Realty Corporation (GTY), Starwood Waypoint Residential Trust (SWAY), Washington Trust Bancorp (WASH) and United Financial Bancorp (UBNK).
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
Who owns Enova International stock?
Enova International's stock is owned by a variety of of institutional and retail investors. Top institutional investors include Ameriprise Financial Inc. (1.05%), Geode Capital Management LLC (1.03%), Bank of New York Mellon Corp (1.02%), Cornerstone Capital Management Holdings LLC. (0.97%), Mckinley Capital Management LLC Delaware (0.91%) and William Blair Investment Management LLC (0.73%). Company insiders that own Enova International stock include Cash America International Inc, Csh Holdings Llc, Daniel Shteyn, Firstcash, Inc, James A Gray, James Cody Salters, Joe Decosmo and John Higginson. View Institutional Ownership Trends for Enova International.
Who sold Enova International stock? Who is selling Enova International stock?
Enova International's stock was sold by a variety of institutional investors in the last quarter, including Ameriprise Financial Inc., Parametric Portfolio Associates LLC, Teachers Advisors LLC, Acrospire Investment Management LLC, Geode Capital Management LLC, Capstone Asset Management Co., Burney Co. and New York State Teachers Retirement System. Company insiders that have sold Enova International stock in the last year include Cash America International Inc, Csh Holdings Llc, Firstcash, Inc and John Higginson. View Insider Buying and Selling for Enova International.
Who bought Enova International stock? Who is buying Enova International stock?
Enova International's stock was acquired by a variety of institutional investors in the last quarter, including William Blair Investment Management LLC, TIAA CREF Investment Management LLC, Bogle Investment Management L P DE, Cornerstone Capital Management Holdings LLC., American International Group Inc., Bowling Portfolio Management LLC, Livforsakringsbolaget Skandia Omsesidigt and Nomura Holdings Inc.. Company insiders that have bought Enova International stock in the last two years include Daniel Shteyn, James A Gray, James Cody Salters and Joe Decosmo. View Insider Buying and Selling for Enova International.
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?
One share of Enova International stock can currently be purchased for approximately $14.35.
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.
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: | $13.38 (6.79% downside) |
Analysts' Ratings History for Enova International (NYSE:ENVA)
Show:
| Date | Firm | Action | Rating | Price Target | Impact on Share Price | Details |
|---|
| 4/7/2017 | Jefferies Group LLC | Reiterated Rating | Buy | $17.00 | High |  |
| 2/3/2017 | Telsey Advisory Group | Boost Price Target | Market Perform | $10.00 -> $15.00 | N/A | |
| 1/12/2017 | Stephens | Initiated Coverage | Overweight | | 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 | |
| 5/26/2016 | Macquarie | Initiated Coverage | Neutral | $8.25 | N/A | |
| 1/14/2016 | Janney Montgomery Scott | Initiated Coverage | Neutral | $7.00 | N/A | |
(Data available from 6/24/2015 forward)
Earnings History for Enova International (NYSE:ENVA)Earnings History by Quarter for Enova International (NYSE ENVA)| Date | Quarter | Consensus Estimate | Actual EPS | Revenue Estimate | Actual Revenue | Release Link | Conference Call | Details |
|---|
| 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 | |
(Data available from 1/1/2011 forward)
Earnings Estimates for Enova International (NYSE:ENVA)Current Year EPS Consensus Estimate: $1.31 EPS
Next Year EPS Consensus Estimate: $1.58 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%
Institutional Ownership Percentage: 93.57%
Insider Trades by Quarter for Enova International (NYSE:ENVA)| 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 | |
(Data available from 1/1/2013 forward)
Headline Trends for Enova International (NYSE:ENVA)
Latest Headlines for Enova International (NYSE:ENVA)
| Source: |
|
| Date | Headline |
|---|
 | Enova International, Inc. (ENVA) Expected to Announce Quarterly Sales of $193.24 Million
www.americanbankingnews.com - June 21 at 12:34 PM |
| $0.35 EPS Expected for Enova International, Inc. (ENVA) This Quarter
www.americanbankingnews.com - June 19 at 9:00 AM |
 | ETFs with exposure to Enova International, Inc. : June 15, 2017
finance.yahoo.com - June 15 at 7:04 PM |
| Enova International, Inc. breached its 50 day moving average in a Bullish Manner : ENVA-US : June 6, 2017
finance.yahoo.com - June 6 at 5:24 PM |
| Enova International Inc (ENVA) Receives Consensus Rating of "Buy" from Brokerages
www.americanbankingnews.com - June 5 at 8:50 AM |
| Enova International Inc (ENVA) Stock Rating Upgraded by ValuEngine
www.americanbankingnews.com - June 4 at 6:46 PM |
| Enova International Inc (ENVA) Upgraded at Zacks Investment Research
www.americanbankingnews.com - June 2 at 11:40 PM |
| Enova International Inc (ENVA) Stock Rating Lowered by Zacks Investment Research
www.americanbankingnews.com - June 1 at 6:40 PM |
| ETFs with exposure to Enova International, Inc. : June 1, 2017
finance.yahoo.com - June 1 at 5:45 PM |
| Enova International, Inc. :ENVA-US: Earnings Analysis: Q1, 2017 By the Numbers : May 31, 2017
finance.yahoo.com - May 31 at 9:35 AM |
| Enova To Present at June Conferences
finance.yahoo.com - May 24 at 4:47 PM |
| Enova International, Inc. – Value Analysis (NYSE:ENVA) : May 16, 2017
finance.yahoo.com - May 16 at 4:57 PM |
| Enova International, Inc. breached its 50 day moving average in a Bearish Manner : ENVA-US : May 15, 2017
finance.yahoo.com - May 15 at 11:40 AM |
| Enova International Inc (ENVA) Upgraded by Zacks Investment Research to "Buy"
www.americanbankingnews.com - May 10 at 11:54 PM |
| Enova International Inc (ENVA) Given Consensus Recommendation of "Hold" by Brokerages
www.americanbankingnews.com - May 9 at 9:02 AM |
| Enova International Inc (ENVA) Expected to Announce Quarterly Sales of $193.24 Million
www.americanbankingnews.com - May 3 at 4:40 PM |
| Enova International (ENVA) Earns News Sentiment Score of 0.19
www.americanbankingnews.com - May 2 at 6:38 PM |
| Enova International Inc (ENVA) Releases Quarterly Earnings Results, Beats Expectations By $0.03 EPS
www.americanbankingnews.com - May 1 at 9:00 PM |
| Brokerages Expect Enova International Inc (ENVA) Will Post Earnings of $0.36 Per Share
www.americanbankingnews.com - May 1 at 11:04 AM |
| Enova International (ENVA) Receiving Somewhat Favorable Press Coverage, AlphaOne Reports
www.americanbankingnews.com - April 29 at 2:51 PM |
| Enova International Inc (ENVA) Releases FY17 Earnings Guidance
www.americanbankingnews.com - April 29 at 12:06 AM |
| Enova International Inc (ENVA) Issues Q2 Earnings Guidance
www.americanbankingnews.com - April 29 at 12:06 AM |
 | Noteworthy Friday Option Activity: PBYI, ENVA, MSFT
www.nasdaq.com - April 28 at 6:05 PM |
| Edited Transcript of ENVA earnings conference call or presentation 27-Apr-17 9:00pm GMT
finance.yahoo.com - April 28 at 6:04 AM |
| Enova Reports First Quarter 2017 Financial Results
finance.yahoo.com - April 27 at 10:32 PM |
| Enova International Inc (ENVA) Updates Q2 Earnings Guidance
www.americanbankingnews.com - April 27 at 7:00 PM |
 | Enova International posts 1Q profit
marketbeat.com - April 27 at 5:18 PM |
| Enova International (ENVA) Receiving Favorable News Coverage, Report Finds
www.americanbankingnews.com - April 26 at 4:30 PM |
| Enova To Present at the Jefferies Global Technology Conference
finance.yahoo.com - April 25 at 4:39 PM |
| Enova International, Inc. breached its 50 day moving average in a Bullish Manner : ENVA-US : April 25, 2017
finance.yahoo.com - April 25 at 11:35 AM |
| Enova International (ENVA) Earning Very Positive Media Coverage, AlphaOne Reports
www.americanbankingnews.com - April 23 at 8:05 AM |
| ETFs with exposure to Enova International, Inc. : April 21, 2017
finance.yahoo.com - April 21 at 5:02 PM |
| Enova International (ENVA) Earning Somewhat Critical News Coverage, AlphaOne Reports
www.americanbankingnews.com - April 20 at 3:43 PM |
| Enova International (ENVA) Earning Somewhat Favorable Press Coverage, Report Shows
www.americanbankingnews.com - April 14 at 12:00 PM |
| Enova International Inc (ENVA) Given Consensus Rating of "Hold" by Brokerages
www.americanbankingnews.com - April 14 at 10:02 AM |
| Enova To Announce First Quarter 2017 Results
finance.yahoo.com - April 13 at 9:56 PM |
| Enova International Inc (ENVA) Stock Rating Reaffirmed by Jefferies Group LLC
www.americanbankingnews.com - April 13 at 7:12 AM |
| Enova International Inc (ENVA) Expected to Post Quarterly Sales of $193.02 Million
www.americanbankingnews.com - April 9 at 7:30 AM |
| Enova International's (ENVA) "Buy" Rating Reaffirmed at Jefferies Group LLC
www.americanbankingnews.com - April 8 at 1:44 PM |
| Zacks: Brokerages Expect Enova International Inc (ENVA) to Post $0.38 EPS
www.americanbankingnews.com - April 8 at 12:24 AM |
| Enova International, Inc. breached its 50 day moving average in a Bearish Manner : ENVA-US : April 6, 2017
finance.yahoo.com - April 7 at 9:38 AM |
| Enova International Inc (ENVA) Upgraded to "Hold" at Zacks Investment Research
www.americanbankingnews.com - April 4 at 7:55 PM |
| Enova International Inc (ENVA) VP Sells $50,085.00 in Stock
www.americanbankingnews.com - March 21 at 10:16 PM |
| Enova International Inc (ENVA) Receives Consensus Recommendation of "Hold" from Analysts
www.americanbankingnews.com - March 20 at 12:07 PM |
| ENOVA INTERNATIONAL, INC. Files SEC form 10-K, Annual Report
biz.yahoo.com - February 24 at 5:49 PM |
| Enova To Present at the JMP Securities Technology Conference
finance.yahoo.com - February 14 at 5:56 PM |
| Enova To Present at the JMP Securities Technology Conference
finance.yahoo.com - February 14 at 5:55 PM |
 | New Strong Sell Stocks for February 6th
www.zacks.com - February 6 at 9:43 AM |
| Edited Transcript of ENVA earnings conference call or presentation 2-Feb-17 10:00pm GMT
finance.yahoo.com - February 3 at 5:23 PM |
| Q4 2016 Enova International Inc Earnings Release - After Market Close
us.rd.yahoo.com - February 2 at 5:28 PM |
Enova International (ENVA) Chart for Saturday, June, 24, 2017
