Enova International, Inc.
ENVAFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeEnova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. With a market capitalization of $4.07B, it sits in mid-cap territory. 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.
Market Cap
$4.07B
Beta
1.33
P/E (TTM)
13.32
P/E (Fwd)
8.37
EPS (TTM)
$12.28
EPS (Fwd)
$19.53
ROE
25.1%
ROA
5.3%
Cash
$110.4M
Total Debt
$4.86B
Free CF
—
52W Change
76.2%
Annual Financials
Cash vs Debt
The company holds $110.4M in cash, though total debt stands at $4.86B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 25.1%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 5.3% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $1.74B (2022) to $3.15B (2025), reflecting a 82% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing ENVA.