Skip to main content
Terug
ENVA logo

Enova International, Inc.

Datakwaliteit: 100%
ENVA
NYSE Financial Services Financial - Credit Services
€ 137,34
▲ € 2,36 (1,74%)
Marktkapitalisatie: 3,43B
Dagbereik
€ 136,96 € 141,09
52-Weeksbereik
€ 79,41 € 176,68
Volume
174.749
50D / 200D Gem.
€ 149,86 / € 127,86
Vorige Slotkoers
€ 134,99

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (854 peers)

Metriek Aandeel Sector Mediaan
P/E 11,1 10,3
P/B 2,6 1,1
ROE % 24,3 11,7
Net Margin % 9,8 16,8
Rev Growth 5Y % 27,1 11,7
D/E 3,4 0,5

Koersdoel Analisten

Hold
€ 193,00 +40.5%
Low: € 189,00 High: € 199,00
Forward K/W
8,7
Forward WPA
€ 15,82
WPA Groei (sch.)
+0,0%
Omzet Sch.
3,7 B

Winstschattingen

Periode WPA Sch. Omzet Sch. Analisten
FY2028 € 24,63
€ 24,19 – € 25,56
 5,4 B 1
FY2027 € 18,77
€ 18,43 – € 19,48
 4,2 B 2
FY2026 € 15,82
€ 15,79 – € 15,84
 3,7 B 4

Belangrijkste Punten

Revenue grew 27,09% annually over 5 years — strong growth
Earnings grew 47,24% over the past year
ROE of 24,34% indicates high profitability
Debt/Equity of 3,41 — high leverage
Generating 1,77B in free cash flow
P/E of 11,14 — trading at a low valuation

Groei

Revenue Growth (5Y)
27,09%
Revenue (1Y)18,58%
Earnings (1Y)47,24%
FCF Growth (3Y)25,69%

Kwaliteit

Return on Equity
24,34%
ROIC9,40%
Net Margin9,78%
Op. Margin23,46%

Veiligheid

Debt / Equity
3,41
Current Ratio0,23
Interest Coverage4,36

Waardering

P/E Ratio
11,14
P/B Ratio2,57
EV/EBITDA10,72
Dividend Yield0,00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 18,58% Revenue Growth (3Y) 22,00%
Earnings Growth (1Y) 47,24% Earnings Growth (3Y) 32,70%
Revenue Growth (5Y) 27,09% Earnings Growth (5Y) 4,73%
Profitability
Revenue (TTM) 3,15B Net Income (TTM) 308,39M
ROE 24,34% ROA 4,77%
Gross Margin 50,13% Operating Margin 23,46%
Net Margin 9,78% Free Cash Flow (TTM) 1,77B
ROIC 9,40% FCF Growth (3Y) 25,69%
Safety
Debt / Equity 3,41 Current Ratio 0,23
Interest Coverage 4,36 Dividend Yield 0,00%
Valuation
P/E Ratio 11,14 P/B Ratio 2,57
P/S Ratio 1,09 PEG Ratio 0,22
EV/EBITDA 10,72 Dividend Yield 0,00%
Market Cap 3,43B Enterprise Value 7,93B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 3,15B 2,66B 2,12B 1,74B 1,21B
Net Income 308,39M 209,45M 175,12M 207,42M 256,30M
EPS (Diluted) 11,58 7,43 5,49 6,19 6,79
Gross Profit 1,58B 1,24B 1,04B 1,00B 947,75M
Operating Income 739,43M 584,76M 422,14M 383,99M 413,06M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 6,47B 5,27B 4,59B 3,78B 2,76B
Total Liabilities 5,13B 4,07B 3,35B 2,59B 1,67B
Shareholders' Equity 1,34B 1,20B 1,24B 1,19B 1,09B
Total Debt 4,56B 3,60B 2,99B 2,29B 1,43B
Cash & Equivalents 71,71M 73,91M 377,44M 100,17M 165,48M
Current Assets 71,71M 4,81B 4,12B 3,31B 2,29B
Current Liabilities 305,85M 483,30M 261,16M 198,32M 156,10M

Strategiescores

This stock passed the criteria for 3 strategies

Score = fit strength (0–100)
Rank = position among all matches
Custom Contrarian Investing (David Dreman)
#429 of 658
19
Growth + Value Growth at a Reasonable Price (Peter Lynch)
#179 of 326
49
Growth Growth Investing (Philip Fisher)
#101 of 154
46

Recente Activiteit

Ingestapt Contrarian Investing (David Dreman)
Mar 24, 2026
Ingestapt Growth Investing (Philip Fisher)
Mar 24, 2026
Ingestapt Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026