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Upturn AI SWOT - About
ENVA 
Enova International Inc (ENVA)
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Upturn Advisory Summary
06/27/2025: ENVA (3-star) is a STRONG-BUY. BUY since 4 days. Profits (7.63%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
8 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $126.5
Year Target Price $126.5
| 5 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 42.94% | Avg. Invested days 36 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.82B USD | Price to earnings Ratio 13.09 | 1Y Target Price 126.5 |
Price to earnings Ratio 13.09 | 1Y Target Price 126.5 | ||
Volume (30-day avg) - | Beta 1.45 | 52 Weeks Range 60.83 - 117.56 | Updated Date 06/29/2025 |
52 Weeks Range 60.83 - 117.56 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.48 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.94% | Operating Margin (TTM) 26.43% |
Management Effectiveness
Return on Assets (TTM) 4.64% | Return on Equity (TTM) 19.94% |
Valuation
Trailing PE 13.09 | Forward PE 9.45 | Enterprise Value 6549946137 | Price to Sales(TTM) 2.16 |
Enterprise Value 6549946137 | Price to Sales(TTM) 2.16 | ||
Enterprise Value to Revenue 2.34 | Enterprise Value to EBITDA 18.17 | Shares Outstanding 25366800 | Shares Floating 24175293 |
Shares Outstanding 25366800 | Shares Floating 24175293 | ||
Percent Insiders 4.71 | Percent Institutions 95.26 |
Analyst Ratings
Rating 4.5 | Target Price 126.5 | Buy 2 | Strong Buy 5 |
Buy 2 | Strong Buy 5 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
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, Inc. (now FirstCash, Inc.) to focus on online lending. It has grown through organic expansion and acquisitions, providing financial services to underserved consumers and small businesses.
Core Business Areas
- Consumer Lending: Provides online installment loans, lines of credit, and single-payment loans to consumers.
- Small Business Lending: Offers financing solutions to small businesses, including term loans and lines of credit.
Leadership and Structure
David Fisher serves as the Chief Executive Officer. The company has a board of directors overseeing strategic direction and governance. The organizational structure includes departments for technology, marketing, risk management, and customer service.
Top Products and Market Share
Key Offerings
- NetCredit: Provides online installment loans and lines of credit to consumers. Market share is difficult to pinpoint precisely but it is a major product. Competitors include Upstart, LendingClub, and Avant.
- OnDeck: Offers term loans and lines of credit to small businesses. OnDeck competes with companies like Kabbage (now Amex), Funding Circle, and BlueVine.
Market Dynamics
Industry Overview
The online lending industry is characterized by increasing competition, technological innovation, and evolving regulatory frameworks. Fintech companies are leveraging data analytics and automation to improve efficiency and customer experience.
Positioning
Enova International positions itself as a provider of responsible credit solutions to underserved customers. Its competitive advantage lies in its data-driven underwriting and technology platform.
Total Addressable Market (TAM)
The TAM for online lending is estimated to be hundreds of billions of dollars annually. Enova is well positioned to grow within this TAM due to its established brand and technology.
Upturn SWOT Analysis
Strengths
- Advanced technology platform
- Data-driven underwriting
- Strong brand recognition in target markets
- Experienced management team
- Diversified product offerings
Weaknesses
- High cost of customer acquisition
- Exposure to regulatory risk
- Dependence on economic conditions
- Potential for reputational damage from lending practices
Opportunities
- Expansion into new markets
- Development of new products
- Strategic partnerships with financial institutions
- Increased adoption of online lending
- Leveraging AI for improved risk management
Threats
- Increased competition from fintech companies
- Changes in regulations
- Economic downturns
- Cybersecurity breaches
- Rising interest rates
Competitors and Market Share
Key Competitors
- UPST
- LC
- PRCH
Competitive Landscape
Enova competes on technology, customer service, and product offerings. They have an advantage due to data analytics and diverse loan products.
Major Acquisitions
OnDeck Capital
- Year: 2020
- Acquisition Price (USD millions): 90
- Strategic Rationale: Acquisition of OnDeck expanded Enova's small business lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by increased loan volume and expansion into new product areas.
Future Projections: Analyst estimates project continued revenue growth driven by online lending demand.
Recent Initiatives: Recent initiatives include investment in technology, expansion into new markets, and strategic acquisitions.
Summary
Enova International is a company which focuses on online lending using advanced technology and data driven underwriting. Strengths lie in diverse products and a experienced management team. The company needs to be aware of economic conditions, regulatory risks and high cost of customer acquisition and cybersecurity threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate.
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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