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Upturn AI SWOT - About
ENVA 
Enova International Inc (ENVA)
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Upturn Advisory Summary
09/15/2025: ENVA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $131.12
1 Year Target Price $131.12
| 5 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 32.5% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.88B USD | Price to earnings Ratio 12.28 | 1Y Target Price 131.12 |
Price to earnings Ratio 12.28 | 1Y Target Price 131.12 | ||
Volume (30-day avg) 8 | Beta 1.52 | 52 Weeks Range 79.41 - 124.29 | Updated Date 09/15/2025 |
52 Weeks Range 79.41 - 124.29 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 9.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.79% | Operating Margin (TTM) 28.25% |
Management Effectiveness
Return on Assets (TTM) 4.86% | Return on Equity (TTM) 21.56% |
Valuation
Trailing PE 12.28 | Forward PE 8.16 | Enterprise Value 6820560260 | Price to Sales(TTM) 2.11 |
Enterprise Value 6820560260 | Price to Sales(TTM) 2.11 | ||
Enterprise Value to Revenue 2.33 | Enterprise Value to EBITDA 17.56 | Shares Outstanding 25012600 | Shares Floating 23840522 |
Shares Outstanding 25012600 | Shares Floating 23840522 | ||
Percent Insiders 4.72 | Percent Institutions 99.13 |
Upturn AI SWOT
Enova International Inc
Company Overview
History and Background
Enova International, Inc. was founded in 2011 as a spin-off from Cash America International. It focuses on providing online financial services and credit products to non-prime consumers and small businesses.
Core Business Areas
- Consumer Finance: Offers unsecured installment loans, lines of credit, and other financial products to consumers.
- Small Business Finance: Provides financing solutions for small businesses, including term loans and lines of credit.
Leadership and Structure
David Fisher serves as the Chief Executive Officer. The company operates with a typical corporate structure, including a board of directors and various executive leadership positions overseeing different business units.
Top Products and Market Share
Key Offerings
- NetCredit: Offers online installment loans and lines of credit. Market share data is not readily available, but NetCredit is a significant contributor to Enova's revenue. Competitors include OppLoans, LendingPoint and Avant.
- OnDeck: Provides online term loans and lines of credit to small businesses. OnDeck competes with Kabbage (American Express), BlueVine and Funding Circle. Precise market share data is difficult to ascertain as the small business lending market is highly fragmented.
Market Dynamics
Industry Overview
The online lending industry is competitive and rapidly evolving, driven by technological advancements and changing consumer preferences. There is increasing scrutiny and regulation surrounding non-prime lending.
Positioning
Enova occupies a prominent position in the non-prime lending market, leveraging its technology platform and data analytics capabilities to assess risk and provide financial products. Its competitive advantage lies in its ability to serve a segment of the market underserved by traditional financial institutions.
Total Addressable Market (TAM)
The total addressable market for non-prime lending is estimated to be in the hundreds of billions of dollars. Enova's position is to capture a significant portion of this market through online services and innovative products.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Data analytics capabilities
- Established brand recognition in non-prime lending
- Diversified product offerings
Weaknesses
- High cost of customer acquisition
- Dependence on regulatory environment
- Potential for reputational risk associated with non-prime lending
Opportunities
- Expansion into new geographic markets
- Development of new financial products and services
- Partnerships with other financial institutions
- Increasing demand for online lending solutions
Threats
- Increased competition from other online lenders
- Changes in government regulations
- Economic downturns impacting consumer creditworthiness
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- LC
- OPRT
- NCPL
Competitive Landscape
Enova faces significant competition in the online lending market. It competes based on product offerings, pricing, technology, and customer service. Some competitors may have greater financial resources or a stronger brand presence.
Major Acquisitions
OnDeck Capital
- Year: 2020
- Acquisition Price (USD millions): 90
- Strategic Rationale: The acquisition of OnDeck Capital expanded Enova's capabilities in small business lending and strengthened its overall market position.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends need to be determined by analyzing historical financial data and growth initiatives.
Future Projections: Analyst estimations of future growth need to be sourced from relevant financial analysts.
Recent Initiatives: Recent strategic initiatives should be evaluated from Enova's press releases, investor relations, and annual reporting.
Summary
Enova International has a strong position in the online non-prime lending market leveraging its technology and analytics capabilities. However, regulatory scrutiny and competition pose challenges. The acquisition of OnDeck Capital was a positive strategic move, enhancing its SMB offerings. Continued growth hinges on adapting to evolving regulations and managing reputational risks effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Enova International Inc. Investor Relations
- Company SEC Filings (10-K, 10-Q)
- Industry reports
- Financial news outlets
Disclaimers:
The data and analysis provided are based on publicly available information and are for informational purposes only. They should not be considered financial advice. Market share data is an estimation.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enova International Inc
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2014-11-13 | President, CEO & Chairman Mr. David A. Fisher J.D. | ||
Sector Financial Services | Industry Credit Services | Full time employees 1787 | Website https://www.enova.com |
Full time employees 1787 | Website https://www.enova.com | ||
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company provides 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 offers money transfer services. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company was founded in 2003 and is headquartered in Chicago, Illinois.
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