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Enova International Inc

Financial Services US ENVA

62.45USD
-1.09(1.72%)

Last update at 2024-04-25T20:10:00Z

Day Range

61.2763.28
LowHigh

52 Week Range

35.3058.64
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 272.57M 337.15M 435.42M 170.07M 76.41M
Minority interest 0.00000M -0.77300M 0.09M 1.49M 1.49M
Net income 207.42M 256.30M 377.84M 128.02M 70.10M
Selling general administrative 140.46M 156.96M 140.60M 109.20M 107.06M
Selling and marketing expenses 382.57M 271.16M 69.78M 115.13M 125.27M
Gross profit 1117.56M 947.75M 597.50M 496.26M 463.73M
Reconciled depreciation 36.87M 35.38M 19.73M 15.05M 15.19M
Ebit 383.99M 413.06M 107.42M 175.14M 131.03M
Ebitda 427.29M 374.28M 127.15M 190.20M 146.22M
Depreciation and amortization 43.30M -38.78200M 19.73M 15.05M 15.19M
Non operating income net other 4.47M 0.60M 164.31M -2.53700M -27.31100M
Operating income 383.99M 413.06M 107.42M 175.14M 183.07M
Other operating expenses 1352.09M 871.38M 812.60M 1002.15M 1010.35M
Interest expense 115.89M 76.51M 86.69M 75.60M 79.35M
Tax provision 65.15M 80.09M 57.19M 42.05M 6.32M
Interest income - - - 75.82M 81.67M
Net interest income -115.88700M -76.50900M -86.69100M -75.60400M -79.34800M
Extraordinary items - - - -91.40400M 10.28M
Non recurring - - - - -
Other items - - - - -
Income tax expense 65.15M 80.09M 57.19M 42.05M 6.32M
Total revenue 1736.09M 1207.93M 1083.71M 1174.76M 1114.07M
Total operating expenses 733.57M 611.20M 326.40M 323.65M 360.00M
Cost of revenue 618.52M 260.18M 486.21M 678.50M 650.35M
Total other income expense net -111.41800M -75.90800M 328.00M -5.07400M -27.31100M
Discontinued operations - - -0.30000M -91.40400M 6.53M
Net income from continuing ops 207.42M 257.07M 378.23M 128.02M 70.10M
Net income applicable to common shares 207.42M 256.30M 377.84M 36.61M 70.10M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 3780.89M 2761.48M 2108.07M 1574.35M 1328.18M
Intangible assets 27.39M 35.44M 26.01M 2.19M 3.25M
Earning assets - - - - -
Other current assets 78.23M 60.41M 71.93M 45.07M 24.34M
Total liab 2594.74M 1668.43M 1189.24M 1197.74M 980.42M
Total stockholder equity 1186.14M 1093.05M 917.35M 376.61M 347.77M
Deferred long term liab 104.17M 86.94M 48.13M 48.68M 33.17M
Other current liab 167.54M 118.92M 39.04M -12.77700M -7.77400M
Common stock - - - - -
Capital stock 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Retained earnings 1313.18M 1105.76M 849.47M 372.68M 336.42M
Other liab 104.17M 86.94M 48.13M 48.68M 39.34M
Good will 279.27M 279.27M 267.97M 267.01M 267.01M
Other assets 3217.74M 2151.78M 1437.40M 4.76M 5.48M
Cash 100.17M 165.48M 297.27M 47.34M 52.92M
Cash and equivalents - - - - -
Total current liabilities 198.32M 156.10M 126.69M 122.16M 89.32M
Current deferred revenue - - 2.17M 11.27M 5.61M
Net debt 2192.09M 1259.91M 717.14M 979.55M 805.01M
Short term debt - - -38.58400M 1.51M 2.17M
Short long term debt - - - 1.51M 2.17M
Short long term debt total 2292.26M 1425.39M 1014.42M 1026.89M 857.93M
Other stockholder equity -121.05000M -4.16900M 74.78M 7.00M 25.16M
Property plant equipment 93.23M 101.50M 79.42M 54.54M 49.55M
Total current assets 3306.94M 2293.95M 1651.01M 1219.57M 996.10M
Long term investments 3018.53M 1964.69M 1241.51M 1062.65M 859.95M
Net tangible assets 879.48M 778.33M 623.37M 107.42M 77.50M
Short term investments - - - - 24.34M
Net receivables 3128.54M 2068.07M 1281.81M 1127.15M 918.84M
Long term debt 2258.66M 1384.40M 946.46M 991.18M 857.93M
Inventory - - - - -
Accounts payable 198.32M 156.10M 124.07M 122.16M 89.32M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - 1.49M - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -5.99000M -8.54000M -6.89800M -3.06600M -13.80500M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity 1313.18M 1105.76M 849.47M 372.68M 336.42M
Treasury stock -372.92800M -229.85800M -113.20100M -56.79300M -23.01700M
Accumulated amortization - - - - -
Non currrent assets other 54.71M 51.31M 43.55M 11.46M 12.26M
Deferred long term asset charges - - - - -
Non current assets total 473.95M 467.53M 457.07M 354.79M 332.08M
Capital lease obligations 33.59M 40.99M 67.96M 35.71M -
Long term debt total 2258.66M 1384.40M 946.46M 991.18M 857.93M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1666.27000M -980.36800M 83.58M -941.39700M -720.93300M
Change to liabilities 48.06M 17.84M 11.65M 84.17M -7.05600M
Total cashflows from investing activities -1666.27000M -980.36800M 83.58M -941.39700M -720.93300M
Net borrowings 863.70M 472.58M -478.92800M 127.10M 51.89M
Total cash from financing activities 724.87M 365.15M -535.97400M 95.48M 22.48M
Change to operating activities -24.33500M -7.22200M -5.60100M -12.80100M -6.67000M
Net income 207.42M 257.07M 377.93M 36.61M 70.10M
Change in cash -47.48300M -143.31700M 288.24M 42.13M -20.88500M
Begin period cash flow 225.88M 369.20M 80.96M 50.28M 98.14M
End period cash flow 178.40M 225.88M 369.20M 92.41M 77.26M
Total cash from operating activities 894.00M 471.87M 740.87M 858.24M 684.84M
Issuance of capital stock - - - - -
Depreciation 36.87M 35.38M 19.73M 15.05M 15.19M
Other cashflows from investing activities -1631.35400M 0.03M 113.07M -921.33500M -704.85400M
Dividends paid - - - - -
Change to inventory - -7.22200M 18.09M -13.78100M -
Change to account receivables -32.31700M -20.80200M 68.85M -36.57200M -22.69800M
Sale purchase of stock -143.07000M -116.65700M -56.40800M -33.77600M -17.31400M
Other cashflows from financing activities 963.42M 858.49M 252.21M 658.51M 901.71M
Change to netincome 43.37M 471.87M -142.19100M 665.95M 629.68M
Capital expenditures 43.63M 29.67M 29.49M 17.30M 16.08M
Change receivables - - - - -
Cash flows other operating 760.00M 399.35M 838.98M 77.47M -29.27000M
Exchange rate changes - - - - -
Cash and cash equivalents changes -47.40600M -143.35100M 288.48M 2.73M -13.61400M
Change in working capital -8.59000M -58.80900M 74.90M 34.79M -36.32600M
Stock based compensation 21.95M 21.18M 18.04M 11.97M 11.66M
Other non cash items 619.31M 177.75M 247.03M 755.07M 602.25M
Free cash flow 850.37M 442.19M 711.38M 840.94M 668.76M

Fundamentals

  • Previous Close 63.54
  • Market Cap1622.20M
  • Volume337511
  • P/E Ratio9.21
  • Dividend Yield-%
  • Revenue TTM1019.89M
  • Revenue Per Share TTM32.79
  • Gross Profit TTM 828.01M
  • Diluted EPS TTM5.90

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
ENVA
Enova International Inc		 -1.09 1.72% 62.45 9.21 6.48 1.59 1.26 1.98 13.68
V
Visa Inc. Class A		 0.14 0.05% 275.16 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -0.39 0.08% 462.11 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -2.02 0.84% 237.10 17.39 14.58 2.42 4.82
PYPL
PayPal Holdings Inc		 -0.74 1.14% 64.10 18.46 10.94 2.29 3.37 2.25 10.57

Reports Covered

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Profile

Enova International, Inc. operates as a financial services company with online lending that serves small businesses and consumers who are underserved by traditional banks. The company offers installment loans; 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. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company, through its analytics and machine learning algorithms, serves approximately 8 million customers. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.

Enova International Inc

175 West Jackson Boulevard, Chicago, IL, United States, 60604

Key Executives

Name Title Year Born
Mr. David A. Fisher J.D. Chairman & CEO 1969
Mr. Steven E. Cunningham Chief Financial Officer 1970
Mr. Sean Rahilly Gen. Counsel & Chief Compliance Officer 1973
Mr. Kirk L. F. Chartier Chief Strategy Officer 1964
Mr. James Joseph Lee Chief Accounting Officer & Controller 1978
Ms. Monica Gould Investor Relations NA
Ms. Lindsay Savarese Investor Relations NA
Ms. Stacey Kraft Chief People Officer NA
Mr. Joseph M. DeCosmo Chief Analytics Officer & VP 1966
Mr. Nick Drew Head of UK Operations NA

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