Enova International, Inc.: stock overview

ENVANYSEFinancial services · Personal Credit Institutions

Price

$169.85

November 13, 2026Market cap $4.2B

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  • The full history: 14 fiscal years, from 2012
  • The estimated fair value, with its range and its certainty
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  • More questions to the chat on its filings
  • Excel with every year
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In short

Enova International had revenue of $3.7B over the last 12 months and net income of $382M, a net margin of 10.5%. Revenue grew by 23.8% a year on average over the last 5 years. At $169.85 the shares trade at a P/E of 11.1, against a median of 10.1 over the last 5 fiscal years. It has net debt of $5.3B. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$4.2B
25.01M shares
P/E
11.1
Today11.1
Median10.1
Revenue, 12 months
$3.7B
+23.8% a year over 5 years
Net margin
10.5%
2025: 9.8%, above 56% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+22.0% a year over 2 years

  • 202510-K
    Revenue$3.2B
  • 202410-K
    Revenue$2.7B
  • 202310-K
    Revenue$2.1B

Fiscal years in figures

ENVA's revenue, profit, cash flow and dividend with each year-end price, from 2012 to 2022, 11 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $2.5B
$4.2B
Enterprise value 
$9.5B
P/E 3-year median: 12.9
11.1
EV / EBIT 
10.8
EV / Revenue 
2.6
P/B 3-year median: 2.1
2.7
FCF yield 3-year median: 60.5%
47.2%
Earnings yield 3-year median: 7.7%
9.0%

Profitability

Gross margin 
60.6%
Operating margin 
24.0%
Net margin 3-year median: 8.3%
10.5%
ROIC 
11.0%
ROIC, 5-year average 
9.9%
ROE 
27.0%

Growth

Revenue, yearly change 
+18.6%
EPS, yearly change 
+55.1%
FCF, yearly change 
+18.5%
Revenue, average a year 
+23.8%
EPS, average a year 
-0.3%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$106M
Total debt 
$5.4B
Of which operating leases 
$32M
Net debt 
$5.3B
Net debt / EBITDA 
5.7x
Interest cover 
2.3x
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
5.05%
Total returned 
5.05%
Shares, yearly change 
-3.0%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Gross margin

58.1%

Above 80% of the 23 companies in its industry, and 76% of all.

Operating margin

23.5%

Above 81% of the 51 companies in its industry, and 87% of all.

Net margin

9.8%

Above 56% of the 105 companies in its industry, and 65% of all.

ROE

23.1%

Above 88% of the 102 companies in its industry, and 87% of all.

ROA

4.8%

Above 86% of the 109 companies in its industry, and 71% of all.

Revenue growth

18.6%

Above 62% of the 106 companies in its industry, and 79% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Enova International, Inc.
CIK
1529864
Exchange
NYSE
Industry (SIC)
6141 · Personal Credit Institutions
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
25.01M

Other companies: Financial services

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The full analysis

What do Enova International's filings show?

These are Enova International's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about ENVA

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What is ENVA's market cap?

Enova International, Inc.'s market cap is $4.2B, at a price of $169.85 on November 13, 2026 and 25.01M shares.

What is ENVA's P/E?

ENVA's P/E is 11.1, on earnings per share of $14.51 over the last 12 months. The median over the last 5 fiscal years was 10.1.

How much revenue does ENVA have?

Enova International had revenue of $3.7B over the last 12 months. Over the last 5 years it changed by +23.8% a year on average.

Does ENVA pay a dividend?

No. Enova International paid no regular dividend over the last 12 months.

Where do the figures come from?

From Enova International, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.