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About the company
Enova International, Inc. is a technology and analytics company, which is focused on providing online financial services. The Company offers or arranges loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. It also offers financing to small businesses in 49 states and Washington D.C. in the United States. 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 products and services include consumer installment loans; small business installment loans; consumer line of credit accounts; small business line of credit accounts; CSO program, and bank programs. It markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com, Headway Capital at www.headwaycapital.com and Pangea at www.pangeamoneytransfer.com.
- Revenue in USD (TTM)1.29bn
- Net income in USD172.63m
- Incorporated2011
- Employees1.68k
- LocationEnova International Inc175 West Jackson Blvd., Suite 600CHICAGO 60604United StatesUSA
- Phone+1 (312) 568-4200
- Fax+1 (312) 268-6465
- Websitehttps://www.enova.com/
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Peer analysis
Key Information
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Global Blue Group Holding Ltd | 437.00m | 23.12m | 980.81m | 1.78k | 41.33 | 14.18 | 13.15 | 2.24 | 0.1193 | 0.1193 | 2.28 | 0.3478 | 0.3585 | -- | 1.79 | 245,090.80 | 2.44 | -- | 3.65 | -- | -- | -- | 6.80 | -- | -- | 2.24 | 0.8915 | -- | 147.32 | -- | 73.63 | -- | -- | -- |
| Ellington Financial Inc | 384.52m | 48.90m | 1.02bn | 400.00 | 19.19 | 0.8701 | 18.45 | 2.67 | 0.628 | 0.628 | 5.25 | 18.03 | 0.0263 | -- | 18.58 | 961,295.00 | 0.5421 | 0.5657 | 0.6614 | 0.8477 | 22.60 | 39.98 | 20.61 | 17.86 | -- | -0.1798 | 0.8944 | 244.22 | 31.17 | 22.35 | 171.36 | 5.46 | -- | 1.88 |
| LendingClub Corp | 799.61m | 37.52m | 1.03bn | 1.03k | 27.11 | 0.8152 | 12.13 | 1.29 | 0.3426 | 0.3426 | 7.31 | 11.40 | 0.0889 | -- | -- | 780,110.30 | 0.417 | 0.5363 | 2.67 | 1.40 | -- | -- | 4.69 | 2.98 | -- | -- | 0.8601 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
| Foreign Trade Bank of Latin America Inc | 729.45m | 180.47m | 1.11bn | 268.00 | 6.14 | 0.8894 | 6.06 | 3.98 | 4.94 | 4.94 | 7.65 | 34.08 | -- | -- | -- | -- | 1.81 | 1.18 | -- | -- | -- | -- | 64.56 | 61.69 | -- | -- | -- | 46.25 | 104.21 | 21.32 | 80.53 | 71.69 | 25.96 | -8.27 |
| Ready Capital Corp | 903.87m | 214.20m | 1.44bn | 374.00 | 5.25 | 0.6323 | 6.18 | 1.59 | 1.62 | 1.61 | 5.47 | 14.15 | 0.0767 | -- | 17.74 | 2,416,765.00 | 2.02 | 1.91 | 2.09 | 1.96 | 8.18 | 34.04 | 26.41 | 24.63 | -- | -- | 0.7814 | 98.17 | 46.92 | 34.88 | 144.19 | 40.92 | 45.19 | -0.0476 |
| Zuora Inc | 431.66m | -68.19m | 1.46bn | 1.62k | -- | 10.77 | -- | 3.38 | -0.4878 | -0.4878 | 3.08 | 0.9155 | 0.5785 | -- | 3.94 | 266,786.80 | -9.14 | -20.82 | -15.13 | -36.77 | 65.95 | 59.84 | -15.80 | -29.74 | -- | -- | 0.729 | -- | 8.98 | 12.93 | 65.55 | -- | -5.73 | -- |
| Enova International Inc | 1.29bn | 172.63m | 1.63bn | 1.68k | 10.82 | 1.43 | 7.75 | 1.26 | 5.56 | 5.56 | 41.45 | 42.06 | 0.3041 | -- | 0.3727 | 770,088.40 | 4.07 | 8.69 | 4.31 | 9.24 | -- | -- | 13.38 | 21.91 | -- | 2.12 | 0.7256 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Navient Corp | 1.11bn | 190.00m | 1.71bn | 4.50k | 9.65 | 0.6175 | -- | 1.54 | 1.58 | 1.58 | 9.30 | 24.70 | 0.0176 | -- | 13.10 | 246,000.00 | 0.3017 | 0.624 | 0.3283 | 0.6827 | 105.78 | 109.67 | 17.16 | 32.92 | -- | -- | 0.9523 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| Upbound Group Inc | 4.07bn | -24.82m | 1.73bn | 12.97k | -- | 2.99 | 15.40 | 0.4245 | -0.4613 | -0.4613 | 73.40 | 10.59 | 1.52 | 1.80 | 38.75 | 313,979.90 | -0.9248 | 4.70 | -1.27 | 6.72 | 50.22 | 52.73 | -0.6095 | 2.86 | -- | 2.63 | 0.6903 | 63.40 | -5.96 | 8.46 | -141.91 | -- | 13.81 | -- |
| Federal National Mortgage Association | 142.48bn | -1.00m | 1.84bn | 8.10k | -- | -- | -- | 0.0129 | -0.0002 | -0.0002 | 24.26 | 47.86 | 0.033 | -- | -- | 17,589,880.00 | 0.4156 | 0.3944 | 0.4166 | 0.3954 | 18.15 | 20.57 | 12.60 | 13.35 | -- | -- | 0.9809 | -- | 15.58 | 3.45 | 0.00 | -75.42 | -- | -- |
| Federal Agricultural Mortgage Corp | 1.47bn | 179.55m | 1.87bn | 185.00 | 10.74 | 1.92 | -- | 1.27 | 16.40 | 16.40 | 134.55 | 136.20 | 0.0511 | -- | 5.49 | 7,963,962.00 | 0.7164 | 0.602 | 1.04 | 0.9443 | 23.86 | 34.22 | 14.03 | 19.97 | -- | -- | 0.9495 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
| Bread Financial Holdings Inc | 4.77bn | 416.00m | 2.07bn | 7.00k | 5.00 | 0.6814 | 3.96 | 0.433 | 8.33 | 7.93 | 95.64 | 61.13 | 0.2155 | -- | 0.3003 | 681,428.60 | 1.88 | 1.98 | 4.67 | 4.41 | 91.72 | 90.67 | 8.72 | 11.43 | -- | 1.57 | 0.8557 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| Upstart Holdings Inc | 538.43m | -175.48m | 2.14bn | 1.39k | -- | 3.49 | -- | 3.97 | -2.05 | -2.05 | 6.33 | 6.98 | 0.2872 | -- | 12.89 | 387,917.20 | -9.36 | -3.57 | -10.71 | -4.49 | 72.28 | 80.07 | -32.59 | -8.18 | -- | -- | 0.6213 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| Flywire Corp | 422.84m | -11.10m | 2.15bn | 1.20k | -- | 2.70 | 410.53 | 5.10 | -0.1064 | -0.1064 | 3.51 | 6.42 | 0.5221 | -- | 22.48 | 352,366.70 | -1.37 | -- | -1.68 | -- | 63.31 | -- | -2.63 | -- | -- | -- | 0.00 | -- | 39.30 | -- | 78.23 | -- | -- | -- |
| Payoneer Global Inc | 867.27m | 114.37m | 2.22bn | 2.17k | 20.14 | 3.19 | 15.24 | 2.56 | 0.2949 | 0.2949 | 2.24 | 1.86 | 0.1331 | -- | 96.07 | 400,217.80 | 1.76 | -- | 16.49 | -- | -- | -- | 13.19 | -- | -- | -- | 0.0214 | -- | 32.42 | -- | 879.72 | -- | -- | -- |
| AvidXchange Holdings Inc | 399.50m | -32.34m | 2.26bn | 1.60k | -- | 3.37 | 526.50 | 5.65 | -0.16 | -0.16 | 1.97 | 3.25 | 0.1964 | -- | 8.68 | 249,685.00 | -1.59 | -- | -3.95 | -- | 69.42 | -- | -8.10 | -- | -- | -- | 0.1716 | -- | 20.35 | -- | 53.27 | -- | -- | -- |
Data as of May 24 2024. Currency figures normalised to Enova International Inc's reporting currency: US Dollar USD
49.41%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Mar 2024 | 4.64m | 16.46% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 2.08m | 7.37% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 2.00m | 7.11% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 1.16m | 4.13% |
| Empyrean Capital Partners LPas of 31 Mar 2024 | 881.60k | 3.13% |
| Renaissance Technologies LLCas of 31 Mar 2024 | 860.62k | 3.06% |
| Geode Capital Management LLCas of 31 Mar 2024 | 636.41k | 2.26% |
| Wellington Management Co. LLPas of 31 Mar 2024 | 586.23k | 2.08% |
| Mangrove Partnersas of 31 Mar 2024 | 565.01k | 2.01% |
| Charles Schwab Investment Management, Inc.as of 31 Mar 2024 | 511.83k | 1.82% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
