ENVA Stock Forecast, Price Targets, Chart, Dividends & Analysis
Enova International Inc.
ENVA 
NYE
Sector: Financial Services
Industry: Credit Services
102.02
USD
2.15
(2.15%)
Previous close: 99.87 Open: 100.91 Bid: 97.67 Ask: 102.02
52 week range
39.92 106.51
Mkt Cap: 2,628 M Avg Vol (90 Days): 198,489
Last updated: Friday 22nd November 2024
Metrics
Valuation
Price per Sales TTM ($) | 1.19 |
Price per Book TTM ($) | 2.22 |
PE Ratio (TTM) | 16.03 |
Book Value per Share ($) | 44.98 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | 1.07% | |
1 Month Return | 13.52% | |
3 Month Return | 18.78% | |
1 Year Return | 151.84% | |
3 Year Return | 157.37% | |
5 Year Return | 346.67% | |
YTD Return | 84.28% |
Risk
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 67.34 |
14 Day SMA ($) | 99.74 |
14 Day EMA ($) | 98.73 |
Money Flow Index | 38.75 |
Average True Range | 2.92 |
50 Day SMA ($) | 88.89 |
200 Day SMA ($) | 71.94 |
ADX | 62.23 |
MACD | -3.80 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
ENVA Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AcquiredInProcessRnD | -16 M | -345 M | ||||||||
| Amortization of intangibles | -45000.0 | -500000.0 | -1 M | -1 M | -1 M | 1 M | 2 M | 7 M | 8 M | 8 M |
| Basic EPS from continuing operations | 3.38 | 1.33 | 1.04 | 0.87 | 1.87 | 3.8 | 11.86 | 7.05 | 6.42 | 5.71 |
| Basic EPS total | 3.38 | 1.33 | 1.04 | 0.87 | 2.06 | 1.09 | 11.85 | 7.05 | 6.42 | 5.71 |
| Basic weighted shares outstanding | 33 M | 33 M | 33 M | 34 M | 34 M | 34 M | 32 M | 36 M | 32 M | 31 M |
| BasicDiscontinuousOperations | 0.19 | -2.71 | -0.01 | |||||||
| CommissionExpenses | -12 M | |||||||||
| CreditLossesProvision | 70 M | 68 M | 65 M | 82 M | 80 M | 103 M | ||||
| Depletion | -11 M | 7 M | ||||||||
| Depreciation | 19 M | 18 M | 16 M | 14 M | 14 M | 15 M | 20 M | 35 M | 37 M | 38 M |
| Depreciation unreconciled | 19 M | 18 M | 16 M | 14 M | 14 M | 15 M | 20 M | 35 M | 37 M | 38 M |
| DepreciationAndAmortization | 19 M | 18 M | 16 M | 14 M | 14 M | 15 M | 20 M | 35 M | 37 M | 38 M |
| DevelopmentExpense | 5 M | |||||||||
| Diluted EPS total | 3.38 | 1.33 | 1.03 | 0.86 | 1.99 | 1.06 | 11.7 | 6.79 | 6.19 | 5.49 |
| Diluted normalized net income/share | 3.38 | 1.33 | 1.03 | 0.86 | 1.81 | 3.72 | 11.71 | 6.79 | 6.19 | 5.49 |
| Diluted weighted shares outstanding | 33 M | 33 M | 33 M | 34 M | 35 M | 34 M | 32 M | 38 M | 33 M | 32 M |
| DilutedDiscontinuousOperations | 0.18 | -2.66 | -0.01 | |||||||
| Dividends paid per share | 3.71 | 3.71 | ||||||||
| EarningLossOfEquityInvestments | 44 M | 628000.0 | 3 M | 6 M | 116000.0 | |||||
| Equipment | -10 M | |||||||||
| FeesAndCommissions | 809 M | 651 M | 744 M | 843 M | 971 M | 1,172 M | 1,076 M | 1,192 M | 1,713 M | 2,086 M |
| GainOnSaleOfBusiness | 703000.0 | 1,308 M | 164 M | |||||||
| GainsLossOnDisposalOfDiscontinuedOperations | 7 M | -91 M | -300000.0 | |||||||
| GeneralAndAdministrativeExpense | 448 M | 393 M | 511 M | 498 M | 609 M | 109 M | 141 M | 157 M | 140 M | 160 M |
| ImpairmentOfCapitalAssets | 9 M | 6 M | 28000.0 | 370000.0 | 3 M | -72000.0 | ||||
| Income before tax | 176 M | 71 M | 57 M | 38 M | 69 M | 170 M | 435 M | 337 M | 273 M | 227 M |
| Income restructuring and M&A | 500000.0 | -3 M | -2 M | 18 M | 18 M | 18 M | ||||
| Income taxes | 65 M | 27 M | 23 M | 9 M | 5 M | 42 M | 57 M | 80 M | 65 M | 52 M |
| IncomefromAssociatesandOtherParticipatingInterests | 13 M | |||||||||
| InsuranceAndClaims | 360 M | |||||||||
| InsuranceAndPremiums | 14 M | |||||||||
| Interest expense | 38 M | 53 M | 66 M | 74 M | 79 M | 76 M | 87 M | 77 M | 116 M | 195 M |
| InterestExpenseForCapitalizedLeaseObligations | 8 M | |||||||||
| InterestExpenseForDeposit | 349 M | |||||||||
| InterestExpenseForFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 494 M | |||||||||
| InterestExpenseForLongTermDebt | 284 M | |||||||||
| InterestExpenseForLongTermDebtAndCapitalSecurities | 8 M | 284 M | ||||||||
| InterestExpenseForShortTermDebt | 910 M | 11 M | ||||||||
| InterestIncome | 810 M | 653 M | 746 M | 844 M | 973 M | 1,175 M | 1,084 M | 1,208 M | 1,736 M | 2,118 M |
| InterestIncomeAfterProvisionForLoanLoss | 701 M | 532 M | 615 M | 688 M | 814 M | 996 M | 997 M | 1,131 M | 1,620 M | 1,923 M |
| InterestIncomeFromDeposits | 8 M | 18 M | 7 M | |||||||
| InterestIncomeFromFederalFundsSoldAndSecuritiesPurchaseUnderAgreementsToResell | 1,298 M | 1,419 M | ||||||||
| InterestIncomeFromInvestmentSecurities | -25 M | -53 M | -66 M | -59 M | -79 M | |||||
| InterestIncomeFromLeases | 2 M | |||||||||
| InterestIncomeFromLoans | 3 M | 1,192 M | 1,713 M | 2,086 M | ||||||
| InterestIncomeFromLoansAndLease | 2 M | 3 M | 1,192 M | 1,713 M | 2,086 M | |||||
| InterestIncomeFromSecurities | -29 M | -53 M | -49 M | -43 M | -79 M | |||||
| InterestIncomeFromTradingAccountSecurities | -4 M | |||||||||
| LifeAnnuityPremiums | -4000.0 | 187000.0 | 20 M | 1,453 M | ||||||
| MarketingExpense | 128 M | 117 M | 97 M | 101 M | 96 M | 115 M | 70 M | 271 M | 383 M | 414 M |
| MinorityInterests | 377 M | -85000.0 | -773000.0 | |||||||
| Net income from total operations | 112 M | 44 M | 35 M | 29 M | 64 M | 37 M | 378 M | 256 M | 207 M | 175 M |
| NetIncomeCommonStockholders | 112 M | 44 M | 35 M | 29 M | 64 M | 297 M | 378 M | 256 M | 207 M | 175 M |
| NetIncomeContinuousOperations | 112 M | 44 M | 35 M | 29 M | 64 M | 37 M | 378 M | 256 M | 207 M | 175 M |
| NetIncomeDiscontinuousOperations | 7 M | -91 M | -300000.0 | |||||||
| NetInterestIncome | 771 M | 600 M | 680 M | 770 M | 893 M | 1,099 M | 997 M | 1,131 M | 1,620 M | 1,923 M |
| NetOccupancyExpense | 1,007 M | |||||||||
| NonInterestExpense | 595 M | 528 M | 624 M | 709 M | 797 M | 758 M | 134 M | 316 M | 386 M | 418 M |
| NonInterestIncome | -35000.0 | -985000.0 | 2 M | -23 M | -27 M | -3 M | 164 M | 601000.0 | 4 M | -109000.0 |
| OccupancyAndEquipment | 997 M | |||||||||
| Other special charges | -328 M | -311 M | -296 M | 95 M | 78 M | -84 M | -96 M | -148 M | -174 M | -195 M |
| OtherCustomerServices | 809 M | 651 M | 744 M | 843 M | 971 M | 1,172 M | 1,076 M | 1,192 M | 1,713 M | 2,086 M |
| OtherGandA | 448 M | 393 M | 511 M | 498 M | 609 M | 109 M | 141 M | 157 M | 140 M | 160 M |
| OtherInterestExpense | 38 M | 53 M | 66 M | 74 M | 79 M | 76 M | 87 M | 77 M | 116 M | 195 M |
| OtherInterestIncome | 810 M | 653 M | 746 M | 844 M | 973 M | 1,175 M | 1,084 M | 1,208 M | 1,736 M | 2,118 M |
| OtherNonInterestExpense | 603 M | 8 M | 16 M | 8 M | 6 M | |||||
| OtherNonInterestIncome | 850000.0 | 2 M | 1 M | 890000.0 | -827000.0 | -2 M | -1 M | -282000.0 | ||
| ProfessionalExpenseAndContractServicesExpense | -5 M | |||||||||
| PromotionAndAdvertising | -75 M | -81 M | -66 M | -64 M | -66 M | 84 M | 37 M | 113 M | 134 M | 184 M |
| PropertyCasualtyPremiums | 32 M | -251000.0 | ||||||||
| RentAndLandingFees | -4 M | -7 M | -6 M | -5 M | -6 M | |||||
| Research & development expense | 343000.0 | |||||||||
| ResearchExpense | -4 M | |||||||||
| Revenue per share | -45000.0 | -500000.0 | -1 M | -1 M | -1 M | 1 M | 2 M | 7 M | 8 M | 8 M |
| SalariesAndWages | -294000.0 | -10 M | -9 M | -11 M | -12 M | -12 M | -18 M | -21 M | -22 M | -27 M |
| SecuritiesActivities | -618000.0 | 314 M | ||||||||
| SecuritiesAmortization | 7 M | -7 M | ||||||||
| Selling Gen & administrative expense | 576 M | 510 M | 609 M | 600 M | 705 M | 224 M | 210 M | 428 M | 523 M | 575 M |
| SellingAndMarketingExpense | 128 M | 117 M | 97 M | 101 M | 96 M | 115 M | 70 M | 271 M | 383 M | 414 M |
| SellingExpense | 858 M | 819 M | ||||||||
| ServiceChargeOnDepositorAccounts | 115 M | |||||||||
| Special income/charges | 328 M | 311 M | 299 M | -95 M | -78 M | -519 M | 96 M | 148 M | 174 M | 195 M |
| Total common shares outstanding | 33 M | 33 M | 33 M | 34 M | 33 M | 32 M | 36 M | 33 M | 32 M | 28 M |
| Total net income | 112 M | 44 M | 35 M | 29 M | 64 M | 37 M | 378 M | 256 M | 207 M | 175 M |
| Total ordinary shares | 26 M | 26 M | 26 M | 26 M | 26 M | 26 M | 26 M | 26 M | 26 M | 26 M |
| Total revenues | 771 M | 599 M | 682 M | 747 M | 866 M | 1,097 M | 1,161 M | 1,132 M | 1,625 M | 2,118 M |
| TotalPremiumsEarned | -4000.0 | 32 M | 41 M | 1,453 M | ||||||
| TotalRevenue | 771 M | 599 M | 682 M | 747 M | 866 M | 1,097 M | 1,161 M | 1,132 M | 1,625 M | 2,118 M |
| TradingGainLoss | -181 M | |||||||||
| TrustFeesbyCommissions | 1,172 M | -843000.0 | 155 M | 15 M | ||||||
| WriteDown | 8 M |
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