profit from every $100 of sales.
$0$100
Enova International
$167.01-2.42% today
+29.3% in 1 year
1-year low $119.491-year high $265.45
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $13.25 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Enova International sold, what it kept, and what it did with the cash.
Sales went from $1.74 billion in 2022 to $3.15 billion in 2025, with $308 million of profit last year.
SalesProfit
Enova International handed back 12% of the cash it generated last year.
Buybacks $215M
Free cash flow 2025$1.8B
Bought back its own shares$215M
Paid as dividends–
Cash vs. debt$72M vs. $4.5B
Enova International vs. similar companies
Enova International grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Enova International | 13.2× · Cheap | ||
 Sunbelt Rentals Holdings | 22.1× · Fair price | ||
 Global Payments | 16.7× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 42.1× · Expensive |
AI analysis
An AI analyst reads Enova International's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 1,084 | 1,208 | 1,736 | 2,118 | 2,658 | 3,152 | |
| – | – | 1,002 | 1,035 | 1,239 | 1,491 | |
| – | – | 268 | 227 | 294 | 407 | |
| – | – | 305 | 266 | 335 | 449 | |
| 378 | 256 | 207 | 175 | 209 | 308 | |
| 11.70 | 6.79 | 6.19 | 5.49 | 7.43 | 11.52 | |
| – | – | 57.7% | 48.9% | 46.6% | 47.3% | |
| – | – | 15.4% | 10.7% | 11.1% | 12.9% | |
| 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 2,108 | 2,761 | 3,781 | 4,586 | 5,266 | 6,468 |
| Cash | 297 | 165 | 100 | 54 | 74 | 72 |
| Total debt | 946 | 1,384 | 2,292 | 2,971 | 3,596 | 4,530 |
| Total liabilities | 1,189 | 1,668 | 2,595 | 3,345 | 4,069 | 5,132 |
| 917 | 1,093 | 1,186 | 1,240 | 1,197 | 1,337 | |
| 32 | 38 | 33 | 32 | 28 | 27 | |
| – | – | 6.1% | 4.3% | 4.9% | 5.5% | |
| 41.2% | 23.4% | 17.5% | 14.1% | 17.5% | 23.1% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 741 | 472 | 894 | 1,167 | 1,539 | 1,819 | |
| 29 | 30 | 44 | 45 | 43 | 47 | |
| 711 | 442 | 850 | 1,122 | 1,495 | 1,772 | |
| Dividends paid | – | – | – | – | – | – |
| 56 | 117 | 143 | 153 | 289 | 215 | |
| 18 | 21 | 22 | 27 | 32 | 33 |
Valuation
- 13.2×
- 10.2×
- –
- 2.9×
- 1.3×
- 2.3×
- 19.0×
- 43.4%
- 7.5%
- 0.0%
Profitability
- 47.3%
- 12.9%
- 9.8%
- 19.6%
- 215.1%
- 6.0%
- 24.9%
- 4.7%
- 12.0%
- 2.1%
Growth
- +23.8%
- −0.3%
- +18.5%
- –
- −9.2%
Financial health
- 7.4×
- 3.47
- 70.7%
- 4.2×
- 0.23
- 0.23
- 0.48
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 30%of 711
Top 46%of 875
Top 18%of 878
Top 3%of 926
What analysts expect
- Average price target
- $199.50
- Range
- $189.00 – $210.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 3.87 | 3.66 | +5.7% |
| Jan 27, 2026 | 3.46 | 3.17 | +9.1% |
| Oct 23, 2025 | 3.36 | 3.03 | +10.9% |
| Jul 24, 2025 | 3.23 | 2.97 | +8.8% |
| Apr 29, 2025 | 2.98 | 2.77 | +7.6% |
| Feb 4, 2025 | 2.61 | 2.33 | +12.0% |
| Oct 22, 2024 | 2.45 | 2.30 | +6.5% |
| Jul 23, 2024 | 2.21 | 2.07 | +6.8% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
49No pass
Benjamin Graham
42No pass
Philip Fisher
53No pass
Peter Lynch
33No pass
Joel Greenblatt
43No pass
Charlie Munger
42No pass
Terry Smith
38No pass
Questions about Enova International
Is Enova International a good stock to buy?
A business with weak numbers, and the price looks low. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Enova International AI analysis
What does Enova International do?
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. It is in Financial - Credit Services, based in Chicago, IL, United States, with 1,836 employees.
Does Enova International pay a dividend?
No. Enova International does not pay a dividend at the moment; in 2025 it returned $215 million to shareholders by buying back its own shares.
Is Enova International stock halal?
No. Enova International does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Enova International stock done over the past year?
Up 29.3% over the past twelve months, to $167.01. It traded between $119.49 and $265.45 and is 37.1% below its high.
Who are Enova International's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Enova International's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.