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Enova International, Inc.
Enova International, Inc.
ENVA
Valuace
83
Růst
60
Zdraví
57
Cena
$ 126.04
Dnes
+1.64 (1.06%)
Souhrn
Výkazy
Ukazatele
Profil
Držitelé
Návštěvnost webu
Konkurence
Zprávy společnosti
Kapitalizace
3.1B
Obrat
3B
Zisk
0B
Aktiva
6B
Dluh
4B
ROE
0%
ROA
0%
PE
12
PS
1
Cena 1R
79-169
⌀ Cena
116.13
Dividenda
0.0(0.0%)
Čtvrtletní 10-Q
10-Q
Celoroční 10-K
8-K
Nadcházející oznámení zisků
03-02-2026
Poslední dividenda

Profil

Enova International, Inc., technologická a analytická společnost, poskytuje online finanční služby ve Spojených státech, Brazílii, Austrálii a Kanadě. Společnost nabízí splátkové úvěry, úvěrovou linku, kupní smlouvy pohledávek, programy ČSÚ, včetně sjednávání půjček s nezávislými věřiteli třetích stran a pomoci při přípravě žádostí o půjčku a úvěrových dokumentů, a bankovní programy, jako jsou marketingové služby a obsluha půjček pro nekrytý spotřebitelský splátkový úvěr. Své finanční produkty uvádí na trh pod názvy CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic a Pangea. Enova International, Inc. byla založena v roce 2011 a sídlí v Chicagu v Illinois.
Sektor
Financial Services
Odvětví
Financial - Credit Services
Počet zaměstnanců
1787
Založení
2014-11-13
Adresa
175 West Jackson Boulevard
CEO
David A. Fisher
Web
www.enova.com

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Zahraniční články

Výsledovka

Rozvaha

Peněžní toky

Výsledovka

Výsledovka
Rozvaha
Peněžní toky
V miliónech (USD)
Revenue TTM 2025202420232022202120202019201820172016201520142013201220112010
Total Revenues3,151.73,151.72,657.82,117.61,736.11,207.91,083.71,174.81,114.1843.7745.6652.6809.8765.3660.9260.7198.2
Cost of Revenues1,571.71,571.71,418.81,082.5618.5260.2486.2678.5650.3470.6393.6269.7305.3334.8288.50.00.0
Gross Profit1,580.01,580.01,239.01,035.11,117.6947.8597.5496.3463.7373.1352.0382.9504.6430.5372.5260.7198.2
Revenue 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Total Revenues839.4802.7764.0745.5729.6689.9628.4609.9583.6551.4
Cost of Revenues337.5428.9405.4399.9393.5366.5329.2329.60.0280.4
Gross Profit501.9373.8358.7345.6336.0323.5299.2280.3583.6270.9
Operating Income TTM 2025202420232022202120202019201820172016201520142013201220112010
R&D Expenses0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Selling General & Admin Expenses0.00.00.0574.7523.0428.1210.4224.3232.3203.2195.4219.0235.7219.8181.5191.1150.4
Depreciation & Amortization41.841.840.238.243.3-38.819.715.115.214.415.618.418.717.113.311.38.6
Total Operating Expenses840.5840.5654.2613.0733.6611.2326.4323.7360.0312.7296.1311.4328.0307.7258.316.721.3
Operating Income739.4739.4584.8422.1384.0413.1107.4175.1183.1134.4121.5124.4215.0142.6114.2277.5219.5
Operating Income TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
R&D Expenses0.00.00.00.00.00.00.00.00.00.0
Selling General & Admin Expenses0.00.00.00.00.00.00.00.0171.4154.2
Depreciation & Amortization9.112.410.310.110.210.09.710.39.010.0
Total Operating Expenses315.2177.0174.6173.7180.9169.7154.2149.5477.0215.9
Operating Income186.6196.8184.1171.9155.2153.7145.1130.897.5103.7
Net Income TTM 2025202420232022202120202019201820172016201520142013201220112010
Interest Income0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0480.3378.6
Interest Expense169.6169.60.0194.8115.976.586.775.679.374.065.652.938.519.821.0219.1180.5
Other Expense-338.4-338.4-313.7-194.9-111.4-75.9328.0-5.1-27.3-22.51.6-1.00.0-1.2-0.3-219.1-180.5
IBT401.0401.0271.1227.2272.6337.2435.4170.176.437.957.470.5176.5121.692.858.439.0
Income Tax Expense92.692.661.752.165.280.157.242.16.38.722.826.564.843.634.021.414.2
Net Income308.4308.4209.4175.1207.4256.3377.8128.070.129.234.644.0111.778.058.937.024.8
Net Income TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Interest Income0.00.00.00.00.00.00.00.00.00.0
Interest Expense89.00.00.080.50.00.00.00.057.20.0
Other Expense-87.9-86.6-83.1-80.9-77.8-98.2-71.5-66.1-55.9-48.5
IBT98.8110.2101.191.077.455.573.664.741.655.2
Income Tax Expense19.829.924.918.113.712.119.716.26.913.9
Net Income79.080.376.172.963.743.453.948.434.841.3
Per Share Data TTM 2025202420232022202120202019201820172016201520142013201220112010
EPS$0.00$0.00$0.00$5.71$6.42$7.05$11.85$3.80$2.06$0.87$1.04$1.33$3.38$2.36$1.78$1.12$0.75
EPS Diluted$0.00$0.00$0.00$5.49$6.19$6.79$11.70$3.72$1.99$0.86$1.03$1.33$3.38$2.36$1.78$1.12$0.75
Shares Outstanding24.824.826.930.732.336.431.933.734.033.533.233.033.033.033.033.033.0
Diluted Shares Outstanding26.426.428.231.933.537.732.334.435.234.133.533.033.033.033.033.033.0
Per Share Data TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
EPS$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$1.17$1.35
EPS Diluted$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$1.13$1.29
Shares Outstanding24.825.025.525.726.126.426.928.229.730.6
Diluted Shares Outstanding26.426.527.127.127.727.727.929.530.931.9
Current Assets TTM 202420232022202120202019201820172016201520142013201220112010
Cash And Equivalents271.373.954.4100.2165.5297.347.352.968.739.942.175.147.537.538.219.2
Short Term Investments0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Total Cash & ST Investments271.373.954.4100.2165.5297.347.352.968.739.942.175.147.537.538.219.2
Accounts Receivable4,007.963.83,673.33,128.52,068.11,281.81,127.2918.8732.6581.1460.2323.6303.5228.40.00.0
Inventory0.00.00.00.00.00.00.00.00.00.00.0-0.60.00.00.00.0
Other Current Assets-4,279.24,675.9323.178.20.00.00.024.329.526.329.042.139.642.90.00.0
Total Current Assets4,350.44,813.64,122.73,306.92,294.01,651.01,219.6996.1830.8647.3531.2440.2390.5308.838.219.2
Current Assets 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Cash And Equivalents53.655.655.573.967.560.176.5377.462.9100.0
Short Term Investments0.00.00.00.00.00.00.00.00.00.0
Total Cash & ST Investments53.655.655.573.967.560.176.5377.462.9100.0
Accounts Receivable5,144.94,886.94,689.663.84,269.74,079.13,946.63,745.30.00.0
Inventory0.00.00.00.00.00.00.00.03,716.53,548.4
Other Current Assets303.4323.9256.34,675.9186.9211.2152.50.0133.4161.6
Total Current Assets5,501.95,266.45,001.44,813.64,524.04,350.44,175.54,122.73,641.73,444.5
Long-Term Assets TTM 202420232022202120202019201820172016201520142013201220112010
Net Property, Plant & Equipment128.2138.2123.0112.6101.5119.574.149.648.547.148.134.039.441.836.731.6
Goodwill279.3279.3279.3279.3279.3268.0267.0267.0267.0267.0267.0255.9255.9255.9255.8255.8
Intangible Assets15.011.019.027.435.426.02.23.34.35.46.50.00.00.20.21.0
Long-Term Investments0.00.00.00.00.00.00.00.00.00.0-29.0-25.40.00.00.00.0
Other Long-Term Assets44.224.241.654.751.343.511.512.38.811.128.029.56.36.3-292.7-288.4
Total Long-Term Assets466.7452.6462.8474.0467.5457.1354.8332.1328.7330.6349.6319.4301.6304.1292.7288.4
Total Assets4,817.15,266.14,585.53,780.92,761.52,108.11,574.41,328.21,159.5977.9880.9759.6692.2612.9534.4421.8
Long-Term Assets 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Net Property, Plant & Equipment145.9145.5142.4138.2130.7128.2125.3123.0119.9115.6
Goodwill279.3279.3279.3279.3279.3279.3279.3279.3279.3279.3
Intangible Assets4.96.98.911.013.015.017.019.021.023.0
Long-Term Investments0.00.00.00.00.00.00.030.230.433.8
Other Long-Term Assets30.326.725.224.228.744.239.483.441.245.5
Total Long-Term Assets460.4458.4455.8452.6451.7466.7461.0462.8461.4463.4
Total Assets5,962.25,724.85,457.35,266.14,975.74,817.14,636.54,585.54,103.13,907.9
Current Liabilities TTM 202420232022202120202019201820172016201520142013201220112010
Accounts Payable334.059.043.3198.3156.1124.1122.289.377.171.772.157.349.616.014.20.0
Short-Term Debt0.0233.322.30.00.0-38.61.52.23.03.03.01.6424.1427.90.00.0
Other Current Liabilities0.0191.0195.50.00.039.0-12.8-7.8-10.1-9.6-12.51.6-4.627.2-14.20.0
Current Liabilities334.0483.3261.2198.3156.1126.7122.289.377.172.072.164.1473.7475.614.20.0
Current Liabilities 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Accounts Payable252.9257.5237.459.0259.5334.0290.643.3275.2229.3
Short-Term Debt0.00.00.0233.30.00.00.022.30.00.0
Other Current Liabilities0.00.00.0191.00.00.00.0-65.7-275.2-229.3
Current Liabilities252.9257.5237.4483.3259.5334.0290.6261.2275.2229.3
Long-Term Liabilities TTM 202420232022202120202019201820172016201520142013201220112010
Long-Term Debt3,194.13,362.32,970.82,292.31,425.41,014.41,026.9857.9788.5649.9553.3494.2424.1427.9410.8270.3
Capital Leases26.532.227.033.641.068.035.70.00.00.00.00.00.00.00.00.0
Def. Tax Liability115.0223.6113.4104.286.948.148.733.212.114.349.547.345.339.833.822.6
Total Liabilities3,669.64,069.23,345.42,594.71,668.41,189.21,197.7980.4877.8736.2674.9605.6519.1515.5492.9341.9
Long-Term Liabilities 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Long-Term Debt4,138.73,996.23,789.53,362.33,320.13,220.63,067.82,966.72,469.92,325.4
Capital Leases32.232.732.132.226.326.527.022.927.128.4
Def. Tax Liability286.9242.4233.7223.6217.4115.0127.9113.496.9103.9
Total Liabilities4,678.64,496.14,260.64,069.23,797.03,669.63,486.33,345.42,842.02,658.6
Total Common Equity TTM 202420232022202120202019201820172016201520142013201220112010
Common Stock0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Retained Earnings1,590.61,697.81,488.31,313.21,105.8849.5372.7336.4264.7235.5200.9156.9169.996.741.679.6
Comprehensive Income-10.7-13.7-6.3-6.0-8.5-6.9-3.1-13.8-7.1-11.6-4.6-3.23.10.7-0.8-0.2
Total Common Equity1,147.51,196.91,240.21,186.11,093.1917.3376.6347.8281.7241.7206.0154.0173.097.441.579.9
Total Common Equity 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Common Stock0.00.00.00.00.00.00.00.00.00.0
Retained Earnings1,927.21,846.81,770.71,697.81,634.11,590.61,536.71,488.31,453.51,412.3
Comprehensive Income-7.9-8.9-10.8-13.7-9.4-10.7-7.2-6.3-7.2-6.0
Total Common Equity1,283.71,228.71,196.71,196.91,178.71,147.51,150.21,240.21,261.01,249.3
Other TTM 202420232022202120202019201820172016201520142013201220112010
Total Debt3,220.63,595.62,970.82,292.31,425.41,014.41,026.9857.9788.5649.9553.3494.2424.1427.9410.8270.3
Book Value1,147.51,196.91,240.21,186.11,093.1918.8376.6347.8281.7241.7206.0154.0173.097.441.579.9
Other 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Total Debt0.00.00.00.00.00.00.00.00.00.0
Book Value1,283.71,228.71,196.71,196.91,178.71,147.51,150.21,240.21,261.01,249.3
Cash Flow From Operating Activities TTM 2025202420232022202120202019201820172016201520142013201220112010
Net Income178.4308.4209.4175.1207.4257.1377.936.670.129.234.644.0111.778.058.937.024.8
Depreciation & Amortization31.041.840.238.236.935.419.715.115.214.415.618.418.717.113.311.38.6
Stock-Based Compensation29.90.031.826.722.021.218.012.011.711.38.59.60.70.30.10.20.1
Change Working Capital17.734.2-14.028.6-8.6-58.874.934.8-36.3-32.0-1.1-7.910.62.5-3.8-12.11.7
Change In Accounts Receivable-47.20.00.00.0-32.3-20.868.8-36.6-22.7-19.1-16.2-0.53.7-5.7-6.90.00.0
Change In Accounts Payable24.135.035.118.1-2.817.8-18.113.817.8-5.38.58.77.76.43.30.00.0
Change In Inventories11.50.00.00.00.0-7.218.1-13.80.00.00.00.00.00.00.00.00.0
Other Non-cash Items1,057.81,434.71,158.4889.8619.3177.7247.0755.1602.2429.0338.0221.2268.3335.1309.5219.1180.5
Cash from Operations1,295.00.00.01,166.9894.0471.9740.9858.2684.8447.2393.4283.9422.1438.3375.5257.9218.5
Cash Flow From Operating Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Net Income79.080.376.172.963.743.453.948.434.841.3
Depreciation & Amortization9.112.410.310.110.210.09.710.39.02.0
Stock-Based Compensation0.08.58.17.98.38.17.87.67.57.1
Change Working Capital54.6-8.018.5-30.822.6-78.841.50.7-12.9-12.1
Change In Accounts Receivable0.03.5-13.3-5.32.40.7-15.812.9-9.5-32.8
Change In Accounts Payable50.42.916.0-34.413.010.626.4-14.914.4-1.7
Change In Inventories0.00.00.00.00.00.00.00.09.52.0
Other Non-cash Items356.2344.4326.1321.8318.2313.6259.6267.0259.8239.5
Cash from Operations0.00.00.00.00.00.00.00.0314.3271.2
Cash Flow From Investing Activities TTM 2025202420232022202120202019201820172016201520142013201220112010
Capital Expenditure-46.9-47.1-43.4-45.2-43.6-29.7-29.5-17.3-16.1-16.5-14.4-32.2-13.3-14.9-17.9-15.1-12.7
Acquisitions0.00.00.00.08.7-27.2109.90.00.00.00.0-17.70.00.00.00.0-21.2
Investments0.00.00.00.00.00.00.00.00.00.00.00.0-0.70.0-1.00.00.0
Sales of Investment0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Other Investing Activities-1,814.20.00.0-1,449.4-1,631.4-923.53.2-868.5-704.9-510.6-470.2-322.2-291.2-388.9-346.6-266.2-191.1
Cash from Investing-1,861.10.00.0-1,494.7-1,666.3-980.483.6-885.8-720.9-527.1-484.6-372.2-305.2-403.7-365.5-281.3-224.9
Cash Flow From Investing Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Capital Expenditure-11.7-11.3-11.2-12.9-10.2-10.9-11.1-11.2-11.8-12.8
Acquisitions0.00.00.00.00.00.00.00.00.00.0
Investments0.00.00.00.00.00.00.00.00.00.0
Sales of Investment0.00.00.00.00.00.00.00.00.00.0
Other Investing Activities0.00.00.00.00.00.00.00.0-554.4-432.2
Cash from Investing0.00.00.00.00.00.00.00.0-566.2-445.0
Cash Flow From Financing Activities TTM 2025202420232022202120202019201820172016201520142013201220112010
Debt Repaid-1,085.20.00.0696.5-95.5-376.7-731.8-529.3-861.9-498.9-231.5-5.0-431.80.0-4.10.00.0
Debt Issued1,980.53,595.6624.81,375.1962.4787.7719.3698.2931.3637.5328.164.1501.8-3.821.1140.5270.3
Issuance of Common Stock12.50.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Repurchase of Common Stock-317.9-214.6-289.3-153.2-143.1-116.7-56.4-33.8-17.3-5.1-0.4-0.20.00.00.00.00.0
Dividends Paid0.00.00.00.00.00.00.00.00.00.00.00.0-122.40.00.00.00.0
Other Financing Activities1,489.40.00.0-16.8963.4858.5252.2658.5901.7608.5331.861.8475.1-28.6-4.943.1-1.0
Cash from Financing576.80.00.0526.5724.9365.1-536.095.522.5104.699.956.6-79.0-28.6-9.043.1-1.0
Cash Flow From Financing Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Debt Repaid0.00.00.00.00.00.00.00.00.00.0
Debt Issued4,138.7142.6206.7193.8275.699.4152.878.8519.1144.5
Issuance of Common Stock0.00.00.00.00.00.00.00.00.00.0
Repurchase of Common Stock-35.3-38.4-55.3-85.5-51.2-23.3-63.4-151.4-66.8-36.4
Dividends Paid0.00.00.00.00.00.00.00.00.00.0
Other Financing Activities0.00.00.00.00.00.00.00.0499.7145.0
Cash from Financing0.00.00.00.00.00.00.00.0433.0108.6
Cash position TTM 2025202420232022202120202019201820172016201520142013201220112010
Net Change in Cash9.685.2-54.8199.0-47.5-143.3288.242.1-20.928.8-2.1-33.027.69.93.119.0-8.1
Closing Cash Balance271.3407.9322.7377.4178.4225.9369.292.477.368.739.942.175.147.537.538.219.2
Cash position 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Net Change in Cash50.9-22.567.6-10.868.3-16.942.4-148.5181.1-65.3
Closing Cash Balance407.9357.0379.4311.9322.7254.4271.3228.9377.4196.3
Free Cash Flow TTM 2025202420232022202120202019201820172016201520142013201220112010
Free Cash Flow1,248.11,772.01,495.21,121.6850.4442.2711.4840.9668.8430.6379.0251.7408.8423.4357.6242.9205.8
Real Free Cash Flow1,218.21,772.01,463.31,094.9828.4421.0693.3829.0657.1419.3370.5242.1408.1423.2357.5242.7205.7
Free Cash Flow 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Free Cash Flow487.1470.5436.1378.3420.3387.6349.9337.3302.5258.5
Real Free Cash Flow487.1461.9428.0370.3412.0379.5342.1329.7295.0251.4
Nacenění
Finance
Efektivita
Marže
Dividenda
Ostatní

Nacenění

Ukazatel Aktuální Historické Konkurence
P/E11.511.454.4
P/S1.10.856.2
P/B2.81.91340.7
P/FCF21.6398.1
Market cap$3.1$2.1
P/E (Price to Earnings Ratio) – Poměr ceny akcie k zisku za posledních 12 měsíců. Říká, kolik korun investor zaplatí za 1 korunu zisku. Např.: P/E = 15 znamená, že pokud akcie stojí 15 Kč, firma vydělala 1 Kč za poslední rok.

Finance

Ukazatel Aktuální Historické Srovnání
Debt to Assets0 %57.9 %0 %
Debt to Income1342 %1540.6 %0 %
Debt to Free cash flow236.8 %51.4 %0 %
Interest expense percentage22.9 %30.5 %121.4 %
Current ratio21.8 9.8 0

Efektivita

Ukazatel Aktuální Historické Srovnání
ROE24 %22.9 %0 %
ROA5.2 %6 %0 %
CapEx to Revenue1.5 %2.5 %0 %
RaD to Revenue0 %0 %0 %
ROEM1,763,655.8 586014.5

Marže

Ukazatel Aktuální Historické Srovnání
Gross margin50.1 %59 %56.9 %
Operating margin23.5 %28.4 %37.6 %
Net margin9.8 %11.2 %26.4 %

Dividenda

Ukazatel Aktuální Historické Srovnání
Dividend yield0 %13.1 %0 %
Dividend payout percentage0 %208.7 %0 %
Dividend yield (Dividendový výnos) ukazuje aktuální procentuální výnos z dividend vůči ceně akcie.

Ostatní

Ukazatel Aktuální Historické
Shares outstanding26.4 mil 32.8 mil
Employee count1.8 tis 1.3 tis

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