Enova Financial Statements From 2010 to 2026

ENVA Stock  USD 157.55  3.13  1.95%   
Enova International's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Enova International's valuation are provided below:
Gross Profit
1.2 B
Profit Margin
0.2073
Market Capitalization
3.9 B
Enterprise Value Revenue
2.6236
Revenue
1.4 B
We have found one hundred twenty available fundamental signals for Enova International, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to verify all of Enova International prevailing market performance against the performance between 2010 and 2026 to make sure the company can sustain itself down the road.

Enova International Total Revenue

3.21 Billion

Check Enova International financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Enova International's main balance sheet or income statement drivers, such as Depreciation And Amortization of 48.5 M, Interest Expense of 350.7 M or Selling General Administrative of 120.8 M, as well as many indicators such as Price To Sales Ratio of 1.28, Dividend Yield of 0.14 or PTB Ratio of 2.36. Enova financial statements analysis is a perfect complement when working with Enova International Valuation or Volatility modules.
  
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Check out the analysis of Enova International Correlation against competitors.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.

Enova International Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets6.4 B6.1 B2.3 B
Slightly volatile
Short and Long Term Debt Total4.3 B4.1 B1.5 B
Slightly volatile
Total Current Liabilities583.6 M555.8 M204.4 M
Slightly volatile
Total Stockholder Equity1.4 B1.4 B613.6 M
Slightly volatile
Property Plant And Equipment Net166.8 M158.9 M80.4 M
Slightly volatile
Net Debt4.3 BB1.4 B
Slightly volatile
Retained Earnings2.1 BB728.6 M
Slightly volatile
Cash103 M85 M98.1 M
Slightly volatile
Non Current Assets Total424 M520.5 M395.1 M
Slightly volatile
Non Currrent Assets Other23.1 M27.8 M22.7 M
Slightly volatile
Other Assets5.7 B5.4 B1.6 B
Slightly volatile
Cash And Short Term Investments103 M85 M98.1 M
Slightly volatile
Good Will291.2 M321.2 M270.2 M
Slightly volatile
Common Stock Shares Outstanding26.6 M25.4 M32.4 M
Slightly volatile
Liabilities And Stockholders Equity6.4 B6.1 B2.3 B
Slightly volatile
Non Current Liabilities Total4.3 B4.1 B1.5 B
Slightly volatile
Total Liabilities4.9 B4.7 B1.7 B
Slightly volatile
Property Plant And Equipment Gross337.4 M321.4 M116 M
Slightly volatile
Total Current Assets5.8 B5.5 B1.9 B
Slightly volatile
Intangible Assets9.9 M12.6 M9.7 M
Slightly volatile
Accounts Payable51.9 M67.8 M48.7 M
Slightly volatile
Other Liabilities125.8 M119.8 M56.6 M
Slightly volatile
Long Term DebtB3.8 B1.5 B
Slightly volatile
Net Receivables69.6 M73.3 M912.2 M
Slightly volatile
Short Term Debt220.5 M210 M122.6 M
Slightly volatile
Property Plant Equipment63.7 M107.2 M63.4 M
Slightly volatile
Long Term Investments3.6 B3.5 B1.3 B
Slightly volatile
Short and Long Term Debt131.6 M210 M255 M
Slightly volatile
Long Term Debt Total2.7 B2.6 B1.2 B
Slightly volatile
Capital Surpluse304.1 M289.7 M116.6 M
Slightly volatile
Net Invested Capital2.8 B5.5 B2.1 B
Slightly volatile
Net Working Capital5.2 BBB
Slightly volatile
Capital Lease Obligations31.7 M28.9 M36.4 M
Pretty Stable
Non Current Liabilities Other35.6 M30.2 M37.2 M
Very volatile

Enova International Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization48.5 M46.2 M24.1 M
Slightly volatile
Interest Expense350.7 M334 M130.3 M
Slightly volatile
Selling General Administrative120.8 M180 M115.7 M
Slightly volatile
Selling And Marketing Expenses632.2 M602.1 M228 M
Slightly volatile
Total Revenue3.2 B3.1 B1.3 B
Slightly volatile
Gross Profit1.5 B1.4 B667.4 M
Slightly volatile
Other Operating Expenses2.5 B2.4 BB
Slightly volatile
Operating Income706.1 M672.5 M288.4 M
Slightly volatile
EBIT182.6 M338.5 M173.9 M
Slightly volatile
EBITDA204.8 M384.7 M196.5 M
Slightly volatile
Cost Of Revenue1.7 B1.6 B645.2 M
Slightly volatile
Total Operating Expenses790 M752.4 M379.1 M
Slightly volatile
Income Before Tax168.2 M311.8 M169.8 M
Slightly volatile
Net Income121.6 M240.9 M123.9 M
Slightly volatile
Income Tax Expense41.5 M70.9 M41.3 M
Slightly volatile
Net Income Applicable To Common Shares130.5 M238.5 M129.8 M
Slightly volatile
Net Income From Continuing Ops166.1 M240.9 M147.9 M
Slightly volatile
Tax Provision47.5 M70.9 M40.2 M
Slightly volatile
Interest Income76.8 M87.2 M68.3 M
Slightly volatile
Reconciled Depreciation29.5 M46.2 M23 M
Slightly volatile

Enova International Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation38.4 M36.6 M14.7 M
Slightly volatile
Free Cash Flow1.8 B1.7 B723.7 M
Slightly volatile
Begin Period Cash Flow455.8 M434.1 M151.9 M
Slightly volatile
Depreciation48.5 M46.2 M24.6 M
Slightly volatile
Other Non Cash Items1.4 B1.3 B560.1 M
Slightly volatile
Capital Expenditures25.9 M49.9 M25.9 M
Slightly volatile
Total Cash From Operating Activities1.9 B1.8 B751.1 M
Slightly volatile
Net Income121.7 M240.9 M124 M
Slightly volatile
End Period Cash Flow389.6 M371.1 M162.9 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.281.121.0921
Slightly volatile
Dividend Yield0.140.150.1641
Slightly volatile
PTB Ratio2.362.484.5174
Slightly volatile
Days Sales Outstanding7.497.88272
Pretty Stable
Book Value Per Share42.0240.0218.9217
Slightly volatile
Free Cash Flow Yield0.510.520.6465
Pretty Stable
Operating Cash Flow Per Share54.0151.4423.1935
Slightly volatile
Stock Based Compensation To Revenue0.00690.01080.0091
Slightly volatile
Capex To Depreciation1.311.241.1839
Pretty Stable
PB Ratio2.362.484.5174
Slightly volatile
EV To Sales2.272.642.0477
Pretty Stable
Free Cash Flow Per Share52.4949.9922.3495
Slightly volatile
ROIC0.0880.08110.1086
Pretty Stable
Net Income Per Share7.357.04.0439
Slightly volatile
Payables Turnover15.5421.6619.3194
Very volatile
Sales General And Administrative To Revenue0.06430.06770.1166
Slightly volatile
Capex To Revenue0.02860.01880.0253
Slightly volatile
Cash Per Share2.32.472.944
Slightly volatile
POCF Ratio2.281.931.9582
Slightly volatile
Interest Coverage2.421.953.0367
Very volatile
Payout Ratio0.880.991.077
Slightly volatile
Capex To Operating Cash Flow0.05250.03250.0465
Slightly volatile
PFCF Ratio2.411.992.0663
Slightly volatile
Days Payables Outstanding17.6213.6521.282
Pretty Stable
Income Quality8.878.458.0882
Very volatile
ROE0.350.20.3199
Slightly volatile
EV To Operating Cash Flow4.074.563.6835
Pretty Stable
PE Ratio16.8514.1714.1332
Slightly volatile
Return On Tangible Assets0.0460.04840.096
Slightly volatile
EV To Free Cash Flow4.34.693.8783
Pretty Stable
Earnings Yield0.0960.0730.1195
Pretty Stable
Intangibles To Total Assets0.06020.06340.237
Slightly volatile
Net Debt To EBITDA9.959.476.5989
Slightly volatile
Current Ratio6.78.968.742
Slightly volatile
Receivables Turnover39.437.528.2737
Slightly volatile
Graham Number83.3779.440.4129
Slightly volatile
Shareholders Equity Per Share42.0240.0218.9189
Slightly volatile
Debt To Equity3.823.453.4921
Slightly volatile
Capex Per Share1.521.450.844
Slightly volatile
Revenue Per Share93.388.8640.4927
Slightly volatile
Interest Debt Per Share12612049.8207
Slightly volatile
Debt To Assets0.760.790.6999
Slightly volatile
Enterprise Value Over EBITDA9.3616.4212.2376
Pretty Stable
Short Term Coverage Ratios7.27.58115
Pretty Stable
Price Earnings Ratio16.8514.1714.1332
Slightly volatile
Operating Cycle7.497.88272
Pretty Stable
Price Book Value Ratio2.362.484.5174
Slightly volatile
Days Of Payables Outstanding17.6213.6521.282
Pretty Stable
Dividend Payout Ratio0.880.991.077
Slightly volatile
Price To Operating Cash Flows Ratio2.281.931.9582
Slightly volatile
Price To Free Cash Flows Ratio2.411.992.0663
Slightly volatile
Pretax Profit Margin0.120.09180.1432
Very volatile
Ebt Per Ebit0.730.530.6652
Pretty Stable
Operating Profit Margin0.160.20.2041
Slightly volatile
Effective Tax Rate0.310.260.2741
Slightly volatile
Company Equity Multiplier5.265.064.7983
Slightly volatile
Long Term Debt To Capitalization0.790.850.7316
Slightly volatile
Total Debt To Capitalization0.80.860.7416
Slightly volatile
Return On Capital Employed0.210.140.1963
Slightly volatile
Debt Equity Ratio3.823.453.4921
Slightly volatile
Ebit Per Revenue0.160.20.2041
Slightly volatile
Quick Ratio6.78.968.742
Slightly volatile
Dividend Paid And Capex Coverage Ratio18.6231.8923.8581
Slightly volatile
Net Income Per E B T0.580.70.7256
Very volatile
Cash Ratio0.130.140.6857
Pretty Stable
Operating Cash Flow Sales Ratio0.460.520.5597
Pretty Stable
Days Of Sales Outstanding7.497.88272
Pretty Stable
Free Cash Flow Operating Cash Flow Ratio0.760.870.9367
Slightly volatile
Cash Flow Coverage Ratios0.680.490.6066
Slightly volatile
Price To Book Ratio2.362.484.5174
Slightly volatile
Fixed Asset Turnover12.417.3115.6345
Very volatile
Capital Expenditure Coverage Ratio20.0531.8925.6282
Slightly volatile
Price Cash Flow Ratio2.281.931.9582
Slightly volatile
Enterprise Value Multiple9.3616.4212.2376
Pretty Stable
Debt Ratio0.760.790.6999
Slightly volatile
Cash Flow To Debt Ratio0.680.490.6066
Slightly volatile
Price Sales Ratio1.281.121.0921
Slightly volatile
Return On Assets0.07730.04570.0699
Pretty Stable
Asset Turnover0.80.580.7192
Slightly volatile
Net Profit Margin0.080.07090.1015
Pretty Stable
Gross Profit Margin0.580.540.5335
Very volatile
Price Fair Value2.362.484.5174
Slightly volatile
Return On Equity0.350.20.3199
Slightly volatile

Enova Fundamental Market Drivers

Forward Price Earnings10.9051
Cash And Short Term Investments73.9 M

Enova Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Enova International Financial Statements

Enova International stakeholders use historical fundamental indicators, such as Enova International's revenue or net income, to determine how well the company is positioned to perform in the future. Although Enova International investors may analyze each financial statement separately, they are all interrelated. For example, changes in Enova International's assets and liabilities are reflected in the revenues and expenses on Enova International's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Enova International. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue54.2 M56.9 M
Total Revenue3.1 B3.2 B
Cost Of Revenue1.6 B1.7 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.07  0.06 
Capex To Revenue 0.02  0.03 
Revenue Per Share 88.86  93.30 
Ebit Per Revenue 0.20  0.16 

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.
When determining whether Enova International offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Enova International's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Enova International Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Enova International Stock:
Check out the analysis of Enova International Correlation against competitors.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.
You can also try the Funds Screener module to find actively-traded funds from around the world traded on over 30 global exchanges.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enova International. If investors know Enova will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enova International listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.93
Earnings Share
10.82
Revenue Per Share
55.426
Quarterly Revenue Growth
0.156
Return On Assets
0.0536
The market value of Enova International is measured differently than its book value, which is the value of Enova that is recorded on the company's balance sheet. Investors also form their own opinion of Enova International's value that differs from its market value or its book value, called intrinsic value, which is Enova International's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enova International's market value can be influenced by many factors that don't directly affect Enova International's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Enova International's value and its price as these two are different measures arrived at by different means. Investors typically determine if Enova International is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enova International's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.