-1.70%
16.57%
28.60%
29.26%
105.35%
177.48%
346.01%
AI Spotlight on ENVA
Company Description
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada.The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names.
Enova International, Inc.was incorporated in 2011 and is headquartered in Chicago, Illinois.
Market Data
| Last Price | 111.77 |
| Change Percentage | -1.70% |
| Open | 114.09 |
| Previous Close | 113.7 |
| Market Cap ( Millions) | 2929 |
| Volume | 145992 |
| Year High | 114.86 |
| Year Low | 53.17 |
| M A 50 | 102.6 |
| M A 200 | 81.12 |
Financial Ratios
| FCF Yield | 47.06% |
| Dividend Yield | 0.00% |
| ROE | 15.31% |
| Debt / Equity | 279.44% |
| Net Debt / EBIDTA | 659.43% |
| Price To Book | 2.5 |
| Price Earnings Ratio | 16.34 |
| Price To FCF | 2.12 |
| Price To sales | 1.17 |
| EV / EBITDA | 12.58 |
News
- Jan -21 - Enova Announces Date of Fourth Quarter and Full Year 2024 Financial Results Conference Call
- Dec -19 - Enova Earns 12th Consecutive Recognition as Best Place to Work in IT
- Dec -18 - 3 Consumer Loan Stocks to Buy as Fed Plans to Lower Rates in 2025
- Dec -11 - S&P 600 rally to cool but these six small-cap stocks could continue to grow
- Dec -03 - Buy 5 Financial Technology Stocks in December and Hold for Long Term
- Dec -02 - Best Value Stocks to Buy for December 2nd
- Nov -26 - New Report: Main Street Businesses Bullish on Future Growth
- Nov -07 - Enova International, Inc. (ENVA) Hits Fresh High: Is There Still Room to Run?
- Nov -05 - Buy These 2 Consumer Loan Stocks Despite Industry Challenges
- Nov -01 - Now is the Time to Accumulate 5 Relative Price Strength Stocks
- Oct -28 - Best Value Stocks to Buy for October 28th
- Oct -28 - Despite Fast-paced Momentum, Enova International (ENVA) Is Still a Bargain Stock
- Oct -23 - Enova's Strong Earnings Signal Continued Growth Potential
- Oct -23 - Enova International, Inc. (ENVA) Q3 2024 Earnings Call Transcript
- Oct -22 - Enova International (ENVA) Tops Q3 Earnings and Revenue Estimates
- Oct -22 - Enova Reports Third Quarter 2024 Results
- Oct -08 - Enova Announces Date of Third Quarter 2024 Financial Results Conference Call
- Sep -26 - New Report: Main Street Optimism Remains High as Digital Financing and Payment Solutions Expand
- Aug -21 - Enova International (ENVA) Is Attractively Priced Despite Fast-paced Momentum
- Aug -15 - Enova (ENVA) Announces New $300M Share Repurchase Program
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Consumer Loans and Finance Receivables
Expected Growth : 10.27 %
What the company do ?
Consumer Loans and Finance Receivables from Enova International, Inc. refer to short-term, unsecured loans and financing solutions offered to individuals and small businesses, providing access to credit for various purposes.
Why we expect these perspectives ?
Enova International, Inc.'s 10.27% growth in Consumer Loans and Finance Receivables is driven by increasing demand for online lending, expansion into new markets, and strategic partnerships. Additionally, the company's proprietary technology and data analytics capabilities enable efficient underwriting and risk management, contributing to the segment's growth.
Segment n°2 -> Small Business Loans and Finance Receivables
Expected Growth : 10.47 %
What the company do ?
Small Business Loans and Finance Receivables from Enova International, Inc. provide financing solutions to small businesses, offering loans and lines of credit to support their growth and operations.
Why we expect these perspectives ?
Enova International, Inc.'s 10.47% growth in Small Business Loans and Finance Receivables is driven by increasing demand for online lending, expansion into new markets, and strategic partnerships. Additionally, the company's proprietary technology and data analytics capabilities enable efficient underwriting and risk management, contributing to the segment's growth.
Segment n°3 -> Other
Expected Growth : 10.58 %
What the company do ?
Enova International's 'Other' segment includes revenue from non-lending products and services, such as analytics and advisory services.
Why we expect these perspectives ?
Enova International's 10.58% growth in 'Other' segment is driven by increasing demand for its fintech solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on digital lending and online financial services has enabled it to capitalize on the shift towards online transactions, further fueling growth.
Enova International, Inc. Products
| Product Range | What is it ? |
|---|---|
| NetCredit | A personal loan product that provides customers with access to credit for various financial needs |
| CashNetUSA | A payday loan and line of credit product that provides customers with short-term financial assistance |
| Headway Capital | A line of credit product designed for small businesses and entrepreneurs |
| The Business Backer | A funding platform that provides small businesses with access to capital through a variety of financing options |
| OnDeck | An online lender that provides small businesses with term loans and lines of credit |
Enova International, Inc.'s Porter Forces
Threat Of Substitutes
Enova International, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the company's diversified product offerings and strong brand recognition.
Bargaining Power Of Customers
Enova International, Inc. has a large customer base, but the bargaining power of customers is high due to the availability of alternative products and services.
Bargaining Power Of Suppliers
Enova International, Inc. has a diversified supplier base, which reduces the bargaining power of suppliers. The company's strong financial position also gives it negotiating power with suppliers.
Threat Of New Entrants
The threat of new entrants in the industry is moderate, as there are barriers to entry such as regulatory hurdles and high capital requirements. However, the industry is constantly evolving, and new entrants can still disrupt the market.
Intensity Of Rivalry
The industry in which Enova International, Inc. operates is highly competitive, with many established players and new entrants vying for market share. The company must continually innovate and improve its products and services to stay ahead of the competition.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 70.52% |
| Debt Cost | 8.46% |
| Equity Weight | 29.48% |
| Equity Cost | 11.60% |
| WACC | 9.38% |
| Leverage | 239.17% |
Enova International, Inc. : Quality Control
Enova International, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| WRLD | World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products … |
| NAVI | Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States. It operates through … |
| NRDS | NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance … |
| RM | Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other … |
| ATLC | Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Regional Management
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Navient
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Enova International
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Atlanticus
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World Acceptance
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