Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ENVA
BUYEnova International, Inc. · Financial Services · United States · $5.9B · Avg Vol: $108M/d
COMPANY DESCRIPTION
Enova International, Inc. is a FinTech company offering online financial services, including short-term loans, installment loans, and lines of credit, primarily to non-prime consumers and small businesses. The company's competitive edge lies in its proprietary underwriting technology and advanced analytics, enabling efficient risk assessment and a fully digital lending platform.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 1.7B | 2.1B | 2.7B | 3.2B | 22.0% | 1.6B | 3.7B | 4.5B | 19.3% |
| EPS | 7.05 | 6.42 | 5.71 | 7.78 | 12.25 | 14.8% | 12.19 | 16.26 | 19.55 | 26.3% |
| Shares | — | 31.2M | 29.1M | 25.8M | 24.7M | -20.8% | 24.9M | — | — | — |
| Debt | — | 2.3B | 3.0B | 3.6B | 4.5B | 25.5% | 4.9B | — | — | — |
| Equity | — | 1.2B | 1.2B | 1.2B | 1.3B | 4.1% | — | — | — | — |
| Op CF | — | 894.0M | 1.2B | 1.5B | 1.8B | 26.7% | 1.9B | — | — | — |
| Inv CF | — | -1.7B | -1.5B | -1.9B | -2.4B | — | — | — | — | — |
| Fin CF | — | 724.9M | 526.5M | 318.9M | 711.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ENVA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ENVA | Enova International, Inc.(you) | $5.9B | 73 | BUY |
| SEZL | Sezzle Inc. | $5.2B | 75 | BUY |
| CACC | Credit Acceptance Corporation | $6.0B | 66 | BUY |
| BFH | Bread Financial Holdings, Inc. | $4.2B | 80 | BUY |
| FCFS | FirstCash Holdings, Inc. | $8.6B | 60 | HOLD |
| WU | The Western Union Company | $2.6B | 67 | BUY |
| EZPW | EZCORP, Inc. | $1.8B | 66 | BUY |
| OPFI | OppFi Inc. | $1.3B | 77 | BUY |
| OMF | OneMain Holdings, Inc. | $6.9B | 42 | HOLD |
| JCAP | Jefferson Capital, Inc. | $1.2B | 79 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%