Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ENVA
HoldPremium GrowerEnova International, Inc. · Financial Services · United States · $5.8B · Avg Vol: $63M/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% | 1.7B | 3.9B | 4.5B | 20.0% |
| EPS | 7.05 | 6.42 | 5.71 | 7.78 | 12.25 | 14.8% | 13.45 | 16.26 | 19.47 | 26.1% |
| Shares | — | 31.2M | 29.1M | 25.8M | 24.7M | -20.8% | 24.9M | — | — | — |
| Debt | — | 2.3B | 3.0B | 3.6B | 4.5B | 25.5% | 5.0B | — | — | — |
| Equity | — | 1.2B | 1.2B | 1.2B | 1.3B | 4.1% | — | — | — | — |
| Op CF | — | 894.0M | 1.2B | 1.5B | 1.8B | 26.7% | 2.0B | — | — | — |
| 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) | $5.8B | 61 | Hold |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| FCFS | FirstCash Holdings, Inc. | $9.5B | 66 | Buy |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
| NNI | Nelnet, Inc. | $4.6B | 29 | Sell |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%