Enova Financial Statements From 2010 to 2026

ENVA Stock  USD 145.03  4.04  2.71%   
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
0.2068
Market Capitalization
3.7 B
Enterprise Value Revenue
2.5841
Revenue
1.5 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

3.31 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 23.6 M, Interest Expense of 121.7 M or Selling General Administrative of 124.6 M, as well as many indicators such as Price To Sales Ratio of 1.28, Dividend Yield of 0.14 or PTB Ratio of 5.57. 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 Assets6.8 B6.5 B2.4 B
Slightly volatile
Short and Long Term Debt Total4.8 B4.6 B1.6 B
Slightly volatile
Total Current Liabilities172.6 M305.8 M165.5 M
Slightly volatile
Total Stockholder Equity1.4 B1.3 B608.8 M
Slightly volatile
Property Plant And Equipment Net190.2 M181.2 M83 M
Slightly volatile
Net Debt4.7 B4.5 B1.5 B
Slightly volatile
Retained Earnings2.1 BB735.1 M
Slightly volatile
Cash101.6 M71.7 M97.2 M
Slightly volatile
Non Current Assets Total429.1 M464.1 M392.1 M
Slightly volatile
Non Currrent Assets Other23.8 M32 M23 M
Slightly volatile
Other Assets6.2 B5.9 B1.7 B
Slightly volatile
Cash And Short Term Investments101.6 M71.7 M97.2 M
Slightly volatile
Good Will292.2 M321.2 M270.2 M
Slightly volatile
Common Stock Shares Outstanding26.3 M26.4 M32.4 M
Slightly volatile
Liabilities And Stockholders Equity6.8 B6.5 B2.4 B
Slightly volatile
Non Current Liabilities Total5.1 B4.8 B1.6 B
Slightly volatile
Total Liabilities5.4 B5.1 B1.8 B
Slightly volatile
Property Plant And Equipment Gross337.4 M321.4 M116 M
Slightly volatile
Total Current Assets68.1 M71.7 M1.3 B
Slightly volatile
Intangible Assets3.5 M3.7 M8.8 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 Receivables5.8 B5.5 B1.6 B
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 Amortization23.6 M41.8 M22.4 M
Slightly volatile
Interest Expense121.7 M169.6 M107.2 M
Slightly volatile
Selling General Administrative124.6 M169.7 M115.3 M
Slightly volatile
Selling And Marketing Expenses652.1 M621.1 M230.3 M
Slightly volatile
Total Revenue3.3 B3.2 B1.3 B
Slightly volatile
Gross Profit1.7 B1.6 B686.1 M
Slightly volatile
Other Operating Expenses2.5 B2.4 BB
Slightly volatile
Operating Income776.4 M739.4 M296.4 M
Slightly volatile
EBIT512.4 M488 M202.1 M
Slightly volatile
EBITDA556.3 M529.8 M225.7 M
Slightly volatile
Cost Of Revenue1.7 B1.6 B638 M
Slightly volatile
Total Operating Expenses882.6 M840.5 M389.7 M
Slightly volatile
Income Before Tax421.1 M401 M190 M
Slightly volatile
Net Income323.8 M308.4 M139.8 M
Slightly volatile
Income Tax Expense97.3 M92.6 M45.8 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 Flow1.9 B1.8 B730 M
Slightly volatile
Begin Period Cash Flow338.8 M322.7 M138.5 M
Slightly volatile
Depreciation48.5 M46.2 M24.6 M
Slightly volatile
Other Non Cash Items1.6 B1.5 B581.7 M
Slightly volatile
Capital Expenditures27.4 M47.1 M25.8 M
Slightly volatile
Total Cash From Operating Activities1.9 B1.8 B757.1 M
Slightly volatile
Net Income323.8 M308.4 M139.8 M
Slightly volatile
End Period Cash Flow428.3 M407.9 M167.3 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.281.23491.0988
Slightly volatile
Dividend Yield0.140.150.1641
Slightly volatile
PTB Ratio5.572.91164.7317
Slightly volatile
Days Sales Outstanding670638348
Slightly volatile
Book Value Per Share56.6953.991620.6065
Slightly volatile
Free Cash Flow Yield0.50.45530.6422
Pretty Stable
Operating Cash Flow Per Share77.1573.476125.8509
Slightly volatile
Stock Based Compensation To Revenue0.00690.01080.0091
Slightly volatile
Capex To Depreciation1.311.241.1839
Pretty Stable
PB Ratio5.572.91164.7317
Slightly volatile
EV To Sales2.32.65982.0506
Pretty Stable
Free Cash Flow Per Share75.1571.572124.952
Slightly volatile
ROIC2.62.47280.397
Slightly volatile
Net Income Per Share13.0812.45614.7019
Slightly volatile
Payables Turnover15.5421.6619.3194
Very volatile
Sales General And Administrative To Revenue0.05120.05390.115
Slightly volatile
Research And Ddevelopement To Revenue0.01710.01930.021
Slightly volatile
Capex To Revenue0.02780.0150.025
Slightly volatile
Cash Per Share2.32.89642.9691
Slightly volatile
POCF Ratio2.292.13951.9711
Slightly volatile
Interest Coverage2.483.923.2852
Pretty Stable
Payout Ratio0.880.991.077
Slightly volatile
Capex To Operating Cash Flow0.0510.02590.046
Slightly volatile
PFCF Ratio2.412.19642.0785
Slightly volatile
Days Payables Outstanding17.6213.6521.282
Pretty Stable
Income Quality8.725.89887.9293
Very volatile
ROE0.350.23070.3217
Slightly volatile
EV To Operating Cash Flow4.134.60813.6899
Pretty Stable
PE Ratio16.6812.620314.0321
Slightly volatile
Return On Tangible Assets0.04740.04990.0961
Slightly volatile
EV To Free Cash Flow4.354.73073.8836
Pretty Stable
Earnings Yield0.0960.07920.1199
Pretty Stable
Intangibles To Total Assets0.04160.04370.2348
Slightly volatile
Net Debt To EBITDA4.828.4766.2386
Slightly volatile
Current Ratio0.220.23457.8476
Slightly volatile
Receivables Turnover0.540.57173.8144
Pretty Stable
Graham Number12912345.6719
Slightly volatile
Shareholders Equity Per Share56.6953.991620.6037
Slightly volatile
Debt To Equity3.813.41323.4893
Slightly volatile
Capex Per Share2.01.9040.8989
Slightly volatile
Revenue Per Share13412745.1279
Slightly volatile
Interest Debt Per Share20119158.3731
Slightly volatile
Debt To Assets0.760.70530.6949
Slightly volatile
Enterprise Value Over EBITDA9.5615.821812.2141
Pretty Stable
Short Term Coverage Ratios7.27.58115
Pretty Stable
Price Earnings Ratio16.6812.620314.0321
Slightly volatile
Operating Cycle670638348
Slightly volatile
Price Book Value Ratio5.572.91164.7317
Slightly volatile
Days Of Payables Outstanding17.6213.6521.282
Pretty Stable
Dividend Payout Ratio0.880.991.077
Slightly volatile
Price To Operating Cash Flows Ratio2.292.13951.9711
Slightly volatile
Price To Free Cash Flows Ratio2.412.19642.0785
Slightly volatile
Pretax Profit Margin0.110.12720.1447
Very volatile
Ebt Per Ebit0.730.54240.666
Pretty Stable
Operating Profit Margin0.160.23460.2062
Slightly volatile
Effective Tax Rate0.310.2310.2724
Slightly volatile
Company Equity Multiplier5.274.8394.7859
Slightly volatile
Long Term Debt To Capitalization0.80.77220.7276
Slightly volatile
Total Debt To Capitalization0.80.77340.7365
Slightly volatile
Return On Capital Employed0.210.120.1951
Slightly volatile
Debt Equity Ratio3.813.41323.4893
Slightly volatile
Ebit Per Revenue0.160.23460.2062
Slightly volatile
Quick Ratio0.220.23457.8476
Slightly volatile
Dividend Paid And Capex Coverage Ratio19.3438.589824.2946
Slightly volatile
Net Income Per E B T0.580.7690.7296
Pretty Stable
Cash Ratio0.220.23450.6965
Very volatile
Operating Cash Flow Sales Ratio0.460.57720.5631
Very volatile
Days Of Sales Outstanding670638348
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.97410.9429
Pretty Stable
Cash Flow Coverage Ratios0.670.39870.6006
Slightly volatile
Price To Book Ratio5.572.91164.7317
Slightly volatile
Fixed Asset Turnover12.4917.397515.6449
Very volatile
Capital Expenditure Coverage Ratio20.6938.589826.0599
Slightly volatile
Price Cash Flow Ratio2.292.13951.9711
Slightly volatile
Enterprise Value Multiple9.5615.821812.2141
Pretty Stable
Debt Ratio0.760.70530.6949
Slightly volatile
Cash Flow To Debt Ratio0.670.39870.6006
Slightly volatile
Price Sales Ratio1.281.23491.0988
Slightly volatile
Return On Assets0.07590.04770.07
Pretty Stable
Asset Turnover0.790.48720.7132
Slightly volatile
Net Profit Margin0.080.09780.1031
Pretty Stable
Gross Profit Margin0.580.50130.5313
Very volatile
Price Fair Value5.572.91164.7317
Slightly volatile
Return On Equity0.350.23070.3217
Slightly volatile

Enova International Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap3.1 B3.5 B3.8 B
Slightly volatile

Enova Fundamental Market Drivers

Forward Price Earnings9.4697
Cash And Short Term Investments71.7 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 Revenue3.2 B3.3 B
Cost Of Revenue1.6 B1.7 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.05  0.05 
Research And Ddevelopement To Revenue 0.02  0.02 
Capex To Revenue 0.01  0.03 
Revenue Per Share 127.30  133.66 
Ebit Per Revenue 0.23  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 Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
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. Projected growth potential of Enova fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Enova International assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.304
Earnings Share
11.52
Revenue Per Share
59.237
Quarterly Revenue Growth
0.229
Return On Assets
0.0526
Understanding Enova International requires distinguishing between market price and book value, where the latter reflects Enova's accounting equity. The concept of intrinsic value - what Enova International's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push Enova International's price substantially above or below its fundamental value.
It's important to distinguish between Enova International's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Enova International should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Enova International's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.