Enova International Inc(ENVA)
USD --+0.00%
Reward70High
Risk53Moderate
📊75%Data
Strong 21% profit margin · Revenue growing 23% YoY
ENVA
+0.0 · +0.00%
USD · NYSE
Enova International Inc | Financial Services
Growth Machine
Market Cap:3.41Bn
ℹ️
Reward Rating
70
High
Top 25% (model universe)
75% data coverage
ℹ️
Risk Rating
53
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on ENVA to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
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Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $193.71.

What is Enova International Inc?

, a technology and analytics company, provides online financial services in the United States, Brazil, and internationally.

ENVA · Verdict

Strong reward · elevated risk

ENVA stands out on growth and cash flow, but watch the balance sheet signal.

Based on 88% data coverage

ENVA · Verdict

What’s working & what to watch

Strengths 3

  • Growth86/100

    Rev +22.0% CAGR · earnings +14.1%

  • Cash flow75/100

    56% free-cash-flow margin

  • Profitability74/100

    10% net margin · 24% ROE

Watchouts 2

  • Balance sheet26/100

    Interest covered 2.9×

  • Volatility35/100

    Below average

Model-based scoring. For information only — not financial advice.

What is Enova International Inc?

, a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; 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. The company is listed on the NYSE in USA, operating in the Financial Services sector, with a market capitalisation of 3.41B, and a P/E ratio of 12.0x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: High (70)

The scoring profile indicates a strong reward potential, driven primarily by growth and profitability. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap3.41B
P/E Ratio11.9792
Dividend YieldN/A
52 Week High176.68
52 Week Low79.407
Last AnnualDecember
IPO Date11/13/2014
IncorporatedUSA
Shares Outstanding25M
No. of Employees1,836
IndustryCredit Services
ExchangeNYSE
Beta1.211
CurrencyUSD