Enova
ENVA
184.12
+1.24
+0.68%
Enova
US · ENVA
#2221 by market cap
Listed 1970
184.12
+1.24
+0.68%
Live - 5344 symbols - heartbeat 52s ago
· 2026-10-08 07:58
Pre-market
184.12
0.00%
After-hours
184.12
0.00%
- Market cap
- 4.58B
- P/E (TTM)i
- 13.68
- P/Bi
- 3.06
- EPSi
- 11.52
- Div yieldi
- 0.00%
- 52W posi
- 49%
Reader sentiment
Are you bullish or bearish on ENVA?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 2.70, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +18.58% YoY
Margins
- Gross margin
- 47.31%
- Operating margin
- 12.91%
- Net margin
- 9.79%
Key ratios & quality
- Enterprise valuei
- 9.01B
- PEG ratioi
- 0.97
- Altman Z-Scorei
- 2.70
PEG uses trailing P/E against the 3-year net income growth rate (14.13%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 972.62M | 1.17B | 1.08B | 1.21B | 1.74B | 2.12B | 2.66B | 3.15B |
| Gross profit | 389.85M | 496.26M | 597.50M | 947.75M | 1.00B | 1.04B | 1.24B | 1.49B |
| Selling & admin expenses | 201.10M | 224.34M | 210.38M | 428.12M | 523.04M | 574.73M | 680.09M | 784.20M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 96.18M | 172.61M | 271.11M | 336.55M | 268.11M | 227.36M | 294.32M | 406.73M |
| Pretax profit | 68.87M | 170.07M | 435.42M | 337.16M | 272.57M | 227.25M | 271.10M | 401.03M |
| Tax | 5.30M | 42.05M | 57.19M | 80.09M | 65.15M | 52.13M | 61.65M | 92.65M |
| Net profit | 70.10M | 36.61M | 377.93M | 257.07M | 207.42M | 175.12M | 209.45M | 308.39M |
| Basic EPS | 2 | 1 | 12 | 7 | 6 | 6 | 8 | 12 |
| Diluted EPS | 1.99 | 1.06 | 11.70 | 6.79 | 6.19 | 5.49 | 7.43 | 11.52 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 745.54M | 764.04M | 802.68M | 839.39M | 875.14M | 928.93M |
| Gross profit | 345.64M | 358.68M | 373.75M | 412.87M | 434.91M | 470.25M |
| Selling & admin expenses | 181.76M | 183.36M | 187.01M | 232.08M | 237.19M | 247.64M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 91.36M | 101.33M | 109.82M | 104.22M | 113.06M | 139.33M |
| Pretax profit | 91.03M | 101.05M | 110.17M | 98.78M | 112.87M | 140.11M |
| Tax | 18.08M | 24.90M | 29.86M | 19.80M | 21.77M | 35.05M |
| Net profit | 72.95M | 76.15M | 80.31M | 78.98M | 91.10M | 105.06M |
| Basic EPS | 3 | 3 | 3 | 3 | 4 | 4 |
| Diluted EPS | 2.69 | 2.86 | 3.03 | 3.00 | 3.46 | 4.00 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 1.01B | 1.21B | 1.65B | 2.29B | 3.31B | 4.12B | 4.81B | 6.00B |
| Cash & ST investments | 28.11M | 35.90M | 297.27M | 165.48M | 100.17M | 54.36M | 73.91M | 71.71M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 1.33B | 1.57B | 2.11B | 2.76B | 3.78B | 4.59B | 5.27B | 6.47B |
| Total current liabilities | 89.32M | 122.16M | 156.42M | 156.10M | 198.32M | 261.16M | 249.97M | 395.85M |
| Short-term debt | -- | -- | 29.73M | -- | -- | -- | -- | 90.00M |
| Long-term debt | 857.93M | 991.18M | 916.73M | 1.38B | 2.26B | 2.94B | 3.56B | 4.41B |
| Total liabilities | 986,583,000.00 | 1,197,739,000.00 | 1,189,241,000.00 | 1,668,431,000.00 | 2,594,744,000.00 | 3,345,353,000.00 | 4,069,207,000.00 | 5,131,708,000.00 |
| Total equity | 347.77M | 376.61M | 918.83M | 1.09B | 1.19B | 1.24B | 1.20B | 1.34B |
| Retained earnings | 336.42M | 372.68M | 849.47M | 1.11B | 1.31B | 1.49B | 1.70B | 2.01B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 5.00B | 5.27B | 5.50B | 6.00B | 6.41B | 6.75B |
| Cash & ST investments | 55.51M | 55.56M | 53.60M | 71.71M | 96.13M | 122.23M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 5.46B | 5.72B | 5.96B | 6.47B | 6.88B | 7.22B |
| Total current liabilities | 237.42M | 257.51M | 252.91M | 395.85M | 412.11M | 334.88M |
| Short-term debt | -- | -- | -- | 90.00M | 130.00M | -- |
| Long-term debt | 3.76B | 3.96B | 4.11B | 4.41B | 4.70B | 5.01B |
| Total liabilities | 4,260,608,000.00 | 4,496,098,000.00 | 4,678,562,000.00 | 5,131,708,000.00 | 5,475,468,000.00 | 5,725,079,000.00 |
| Total equity | 1.20B | 1.23B | 1.28B | 1.34B | 1.40B | 1.50B |
| Retained earnings | 1.77B | 1.85B | 1.93B | 2.01B | 2.10B | 2.20B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 684.84M | 848.64M | 740.87M | 471.87M | 894.00M | 1.17B | 1.54B | 1.82B |
| Depreciation & amortization | 14.20M | 15.06M | 19.73M | 35.38M | 36.87M | 38.16M | 40.21M | 41.83M |
| Free cash flow | 670.18M | 828.58M | 711.38M | 442.19M | 850.37M | 1.12B | 1.50B | 1.77B |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -17.31M | -33.78M | -56.41M | -116.66M | -143.07M | -153.19M | -289.29M | -214.59M |
| Ending cash balance | 50.28M | 80.96M | 369.20M | 225.88M | 178.40M | 377.44M | 322.67M | 407.86M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 391.14M | 447.36M | 481.80M | 498.81M | 474.54M | 544.03M |
| Depreciation & amortization | 10.06M | 10.35M | 12.36M | 9.07M | 8.91M | 8.42M |
| Free cash flow | 378.27M | 436.14M | 470.46M | 487.12M | 463.79M | 531.42M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -85.54M | -55.32M | -38.40M | -35.33M | -39.59M | -19.78M |
| Ending cash balance | 311.86M | 379.44M | 356.97M | 407.86M | 421.36M | 465.21M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 22.27 | 10.11 | 58.40 | 25.50 | 18.20 | 14.44 | 17.19 | 24.34 |
| ROA %i | 5.64 | 2.52 | 20.52 | 10.53 | 6.34 | 4.19 | 4.25 | 5.26 |
| ROIC %i | 6.16 | 2.81 | 22.66 | 11.52 | 6.92 | 4.55 | 4.54 | 5.79 |
| 5-year avg ROE %i | 28.33 | 16.69 | 23.48 | 25.49 | 26.90 | 25.33 | 26.74 | 19.93 |
| EBIT margin %i | 9.31 | 14.69 | 25.02 | 27.86 | 15.44 | 10.74 | 11.07 | 12.91 |
| FCF / sales %i | 60.03 | 70.53 | 65.64 | 36.61 | 48.98 | 52.97 | 56.26 | 56.22 |
| Current ratioi | 11.26 | 9.89 | 10.55 | 14.70 | 16.67 | 15.79 | 19.26 | 15.16 |
| Quick ratioi | 9.70 | 9.52 | 10.09 | 14.31 | 16.28 | 14.55 | 18.26 | 14.31 |
| Debt / assetsi | 64.30 | 65.23 | 48.12 | 51.62 | 60.63 | 64.79 | 68.28 | 70.04 |
| LT debt / equityi | 246.70 | 272.67 | 107.34 | 130.40 | 193.25 | 239.55 | 300.41 | 332.19 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | 14.23 | 16.36 | 14.13 | 7.49 | 13.90 | 25.02 | 30.06 | 21.99 |
| Net income CAGR (3Y) %i | 16.80 | 1.90 | 134.66 | 54.06 | 78.27 | -22.61 | -6.51 | 14.13 |
| FCF CAGR (3Y) %i | 38.61 | 29.79 | 18.09 | -12.94 | 0.87 | 16.39 | 50.09 | 27.73 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 19.94 | 21.56 | 23.81 | 24.34 | 25.13 | 26.08 |
| ROA %i | 4.64 | 4.86 | 5.36 | 5.26 | 5.29 | 5.49 |
| ROIC %i | 5.08 | 5.34 | 5.91 | 5.79 | 5.74 | 6.04 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 11.47 | 11.87 | 12.52 | 12.91 | 13.06 | 13.53 |
| FCF / sales %i | 54.99 | 55.39 | 56.06 | 56.22 | 56.61 | 56.67 |
| Current ratioi | 21.07 | 20.45 | 21.75 | 15.16 | 15.55 | 20.16 |
| Quick ratioi | 19.99 | 19.19 | 20.55 | 14.31 | 14.76 | 19.14 |
| Debt / assetsi | 69.44 | 69.81 | 69.42 | 70.04 | 70.73 | 69.86 |
| LT debt / equityi | 316.68 | 325.25 | 322.41 | 332.19 | 337.73 | 337.01 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Consumer loans and finance receivables revenue is the largest reported line at 51.39% of revenue, across 3 reported segments.
- Small business loans and finance receivables revenue follows at 47.29%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Consumer loans and finance receivables revenue51.39%
Small business loans and finance receivables revenue47.29%
Other1.32%
Quote time 2026-10-08 07:58:37 · For reference only, not investment advice and not tailored to your situation.