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About the company
Enova International, Inc. is an online financial services company that serves small businesses and consumers. The Company's online financing products and services provide customers with a deposit of funds to their bank account in exchange for a commitment to repay the amount deposited plus fees and/or interest. Its products and services include consumer installment loans, small business installment loans, consumer line of credit accounts, small business line of credit accounts, CSO program, bank programs, and money transfer business. It provides its services in the United States and Brazil. In the United States it markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com and Headway Capital at www.headwaycapital.com, and it markets its money transfer platform under the name Pangea. In Brazil, it operates under the name Simplic, where it arranges unsecured consumer installment loans for a third-party lender.
- Revenue in USD (TTM)1.83bn
- Net income in USD308.39m
- Incorporated2011
- Employees1.79k
- LocationEnova International Inc175 W. Jackson Blvd., Suite 600CHICAGO 60604United StatesUSA
- Phone+1 (312) 568-4200
- Fax+1 (312) 268-6465
- Websitehttps://www.enova.com/
Mergers & acquisitions
| Acquired company | ENVA:NYQ since announced | Transaction value |
|---|---|---|
| Grasshopper Bancorp Inc | 5.61% | 378.25m |
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Velocity Financial Inc | 433.35m | 89.72m | 768.28m | 309.00 | 8.14 | 1.21 | 8.39 | 1.77 | 2.43 | 2.43 | 11.59 | 16.30 | 0.0713 | -- | 10.90 | 1,402,411.00 | 1.50 | 1.18 | 1.64 | 1.28 | 86.20 | 92.53 | 21.01 | 14.86 | -- | 1.14 | 0.9061 | 0.00 | 30.65 | 20.81 | 31.18 | 31.34 | 20.29 | -- |
| Atlanticus Holdings Corp | 731.21m | 105.26m | 831.57m | 417.00 | 9.75 | 1.41 | 7.49 | 1.14 | 5.63 | 5.63 | 38.26 | 41.60 | 0.1445 | -- | -- | 1,753,508.00 | 2.31 | 5.98 | 2.46 | 6.34 | 50.44 | 63.53 | 16.00 | 24.79 | -- | -- | 0.9062 | 0.00 | 23.95 | 10.83 | 12.52 | 28.14 | 48.23 | -- |
| Navient Corp | 541.00m | -79.00m | 901.44m | 2.10k | -- | 0.3758 | -- | 1.67 | -0.8101 | -0.8101 | 5.44 | 24.99 | 0.0108 | -- | -- | -- | -0.1573 | 0.4934 | -0.1835 | 0.556 | 109.43 | 107.06 | -14.60 | 28.00 | -- | -1.97 | 0.9501 | 23.28 | -32.84 | -20.53 | -161.07 | -- | -- | 0.00 |
| EZCORP Inc | 1.34bn | 122.90m | 1.50bn | 8.50k | 15.47 | 1.40 | 9.64 | 1.12 | 1.57 | 1.57 | 16.03 | 17.35 | 0.7664 | 2.44 | 15.82 | 157,191.60 | 7.05 | 4.06 | 8.08 | 4.67 | 58.65 | 59.13 | 9.20 | 5.68 | 4.69 | 41.12 | 0.3269 | 0.00 | 9.70 | 9.14 | 31.91 | -- | 6.21 | -- |
| LendingClub Corp | 1.09bn | 135.68m | 1.75bn | 1.00k | 13.16 | 1.17 | 8.83 | 1.61 | 1.15 | 1.15 | 9.27 | 13.01 | 0.0979 | -- | -- | -- | 1.22 | 1.37 | 8.82 | 7.60 | 24.53 | -- | 12.49 | 10.70 | -- | -- | 0.8676 | -- | 69.59 | 23.95 | 164.32 | -- | -- | -- |
| Upstart Holdings Inc | 1.04bn | 53.60m | 2.96bn | 1.41k | 62.31 | 3.71 | 37.74 | 2.84 | 0.4845 | 0.4845 | 9.96 | 8.15 | 0.3908 | -- | 22.00 | 742,958.80 | 2.01 | -2.92 | 2.28 | -3.41 | 81.95 | 79.35 | 5.13 | -7.42 | -- | 2.89 | 0.696 | -- | 63.99 | 34.93 | 141.69 | 55.04 | 26.85 | -- |
| Bread Financial Holdings Inc | 4.50bn | 522.00m | 3.30bn | 6.00k | 6.62 | 0.958 | 5.47 | 0.7338 | 10.92 | 10.84 | 94.52 | 75.44 | 0.1974 | -- | 0.2697 | -- | 2.29 | 2.20 | 5.63 | 6.52 | 92.84 | 91.98 | 11.61 | 11.63 | -- | 1.74 | 0.8456 | 8.02 | -3.17 | 3.44 | 86.74 | 20.39 | -- | -7.35 |
| Enova International Inc | 1.83bn | 308.39m | 3.67bn | 1.79k | 12.82 | 2.74 | 10.48 | 2.00 | 11.58 | 11.58 | 68.69 | 54.08 | 0.3119 | -- | 0.363 | -- | 5.26 | 5.60 | 5.52 | 5.91 | -- | -- | 16.85 | 17.19 | -- | 2.19 | 0.7709 | -- | 19.67 | 21.75 | 47.24 | -4.00 | 9.83 | -- |
| Nelnet Inc | 2.05bn | 425.89m | 4.69bn | 6.74k | 11.16 | 1.29 | 9.05 | 2.29 | 11.69 | 11.69 | 56.23 | 101.50 | 0.1466 | -- | 13.59 | 304,028.90 | 3.03 | 1.36 | 3.43 | 1.43 | 62.80 | 63.20 | 20.65 | 14.99 | -- | -- | 0.7217 | 13.06 | -2.24 | 3.92 | 105.26 | 5.22 | -25.73 | 8.64 |
| SLM Corp | 2.63bn | 729.12m | 4.93bn | 1.71k | 7.16 | -- | 9.59 | 2.49 | 3.46 | 3.46 | 9.41 | -- | -- | -- | -- | -- | -- | 2.42 | -- | -- | -- | -- | 37.54 | 37.54 | -- | -- | -- | 13.12 | 0.3134 | 5.38 | 23.57 | -3.49 | -- | 34.08 |
| Credit Acceptance Corp | 2.32bn | 423.90m | 5.18bn | 2.43k | 13.29 | 3.40 | 16.07 | 2.24 | 36.50 | 36.50 | 198.78 | 142.66 | 0.265 | -- | 64.91 | -- | 4.85 | 6.37 | 5.09 | 7.72 | -- | -- | 18.29 | 24.35 | -- | 2.28 | 0.8066 | -- | 7.16 | 6.78 | 71.00 | 0.1374 | -- | -- |
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 3.56m | 14.37% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.94m | 7.81% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 1.11m | 4.48% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 969.87k | 3.91% |
| Renaissance Technologies LLCas of 30 Sep 2025 | 727.54k | 2.94% |
| Geode Capital Management LLCas of 30 Sep 2025 | 592.95k | 2.39% |
| Mangrove Partners IM LLCas of 30 Sep 2025 | 496.97k | 2.01% |
| Empyrean Capital Partners LPas of 30 Sep 2025 | 441.56k | 1.78% |
| Charles Schwab Investment Management, Inc.as of 30 Sep 2025 | 426.22k | 1.72% |
| Invesco Advisers, Inc.as of 30 Sep 2025 | 406.37k | 1.64% |
