NYSE: ENVAEnova International Inc Stock
$99.28-1.11 (-1.11%)
Updated Mar 27, 2025
Shares of banks and financial... find out Why ENVA Price Moved with a free WallStreetZen account
Why Price MovedENVA Price
$99.28
Fair Value Price
N/A
Market Cap
$2.56B
52 Week Low
$57.46
52 Week High
$117.56
P/E
12.76x
P/B
2.14x
P/S
1.69x
PEG
0.46x
Dividend Yield
N/A
Revenue
$1.53B
Earnings
$209.45M
Gross Margin
100%
Operating Margin
36.72%
Profit Margin
13.7%
Debt to Equity
3.4
Operating Cash Flow
$2B
Beta
1.54
Next Earnings
Apr 21, 2025
Ex-Dividend
N/A
Next Dividend
N/A
ENVA Overview
Enova International, Inc. provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers in the U.S and UK. Enova either is the lender or act as a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and fees on the transactions between borrowers and other lenders. Enova International was incorporated in 2011 and is headquartered in Chicago, IL.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ENVA's potential to beat the market
AStrong Buy
- Stocks with a Zen Rating of Strong Buy (A) had an average return of +32.52% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
A
ENVA
Ranked#3 of 50
Ranked#3 of 50
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $30.34 | A | |
| $9.32 | A | |
| $10.46 | A |
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ENVA News
Overview
Due Diligence Score
–
Industry Average (36)
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Due Diligence Checks
ENVA ($99.28) is trading below its intrinsic value of $118.09, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
ENVA is good value based on its earnings relative to its share price (12.76x), compared to the US market average (31.08x)
P/E vs Market Valuation
ENVA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more ENVA due diligence checks available for Premium users.
Valuation
ENVA price to earnings (PE)
For valuing profitable companies with steady earnings
Company
12.76x
Industry
30.46x
Market
31.08x
ENVA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ENVA is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
ENVA price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
2.14x
Industry
5.55x
ENVA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ENVA price to earnings growth (PEG)
For valuing profitable companies with growth potential
ENVA is good value based... subscribe to Premium to read more.
PEG Value Valuation
ENVA's financial health
Profit margin
Revenue
$413.0M
Net Income
$63.7M
Profit Margin
15.4%
ENVA's Earnings (EBIT) of $561.54M... subscribe to Premium to read more.
Interest Coverage Financials
ENVA's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$5.3B
Liabilities
$4.1B
Debt to equity
3.4
ENVA's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ENVA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$430.5M
Investing
-$579.0M
Financing
$217.0M
ENVA's operating cash flow ($1.54B)... subscribe to Premium to read more.
Debt Coverage Financials
ENVA vs Credit Service Stocks
Enova International Stock FAQ
Company
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