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ENVA 
Enova International Inc (ENVA)
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Upturn Advisory Summary
12/01/2025: 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 $140.62
1 Year Target Price $140.62
| 5 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 27.68% | Avg. Invested days 35 | 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 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.28B USD | Price to earnings Ratio 12.13 | 1Y Target Price 140.62 |
Price to earnings Ratio 12.13 | 1Y Target Price 140.62 | ||
Volume (30-day avg) 8 | Beta 1.32 | 52 Weeks Range 79.41 - 133.33 | Updated Date 12/1/2025 |
52 Weeks Range 79.41 - 133.33 | Updated Date 12/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 10.81 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.73% | Operating Margin (TTM) 29.38% |
Management Effectiveness
Return on Assets (TTM) 5.36% | Return on Equity (TTM) 23.81% |
Valuation
Trailing PE 12.13 | Forward PE 9.22 | Enterprise Value 7336356991 | Price to Sales(TTM) 2.32 |
Enterprise Value 7336356991 | Price to Sales(TTM) 2.32 | ||
Enterprise Value to Revenue 2.41 | Enterprise Value to EBITDA 17.32 | Shares Outstanding 24801579 | Shares Floating 23627224 |
Shares Outstanding 24801579 | Shares Floating 23627224 | ||
Percent Insiders 4.76 | Percent Institutions 95.17 |
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's a financial technology company providing online financial services to non-prime consumers and small businesses.
Core Business Areas
- Consumer Finance: Provides short-term loans and lines of credit to consumers who may have difficulty obtaining credit from traditional lenders.
- Small Business Finance: Offers financing solutions to small businesses, including term loans and lines of credit.
Leadership and Structure
David Fisher is the CEO. The company has a board of directors overseeing operations and strategic direction.
Top Products and Market Share
Key Offerings
- NetCredit: Offers unsecured personal loans and lines of credit to near-prime and non-prime consumers. Competitors include Upstart (UPST), LendingClub (LC), and Prosper.
- OnDeck: Provides term loans and lines of credit to small businesses. Competitors include Kabbage, BlueVine, and Funding Circle.
- Saldo: Provides unsecured installment loans in Mexico. Competitors include Credijusto and Konfio.
Market Dynamics
Industry Overview
The fintech lending industry is experiencing growth driven by increased online adoption and demand for alternative financing solutions. The market is highly competitive and subject to regulatory changes.
Positioning
Enova focuses on underserved segments of the market, leveraging technology to provide efficient and accessible financial services. Its competitive advantages include its data-driven underwriting and scalable platform.
Total Addressable Market (TAM)
The total addressable market for alternative lending is estimated to be in the hundreds of billions of dollars annually. Enova is positioned to capture a portion of this TAM by focusing on the non-prime market.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform
- Data-driven underwriting
- Diversified product portfolio
- Experienced management team
Weaknesses
- High cost of capital
- Exposure to regulatory scrutiny
- Dependence on credit markets
- Reputational risks associated with non-prime lending
Opportunities
- Expansion into new markets
- Development of new products and services
- Partnerships with other financial institutions
- Increased adoption of fintech solutions
Threats
- Increased competition
- Changes in regulations
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPST
- LC
- PRSP
Competitive Landscape
Enova competes with other fintech lenders, traditional banks, and credit unions. The company's focus on data-driven underwriting and technology provides a competitive edge.
Major Acquisitions
OnDeck Capital
- Year: 2020
- Acquisition Price (USD millions): 90
- Strategic Rationale: Expanded Enova's small business lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Enova has experienced revenue growth driven by increased loan origination volume.
Future Projections: Analysts project continued growth driven by demand for alternative lending solutions.
Recent Initiatives: Expansion into new markets, focus on technology upgrades, and strategic acquisitions.
Summary
Enova International is a fintech company focused on non-prime lending, leveraging technology for efficiency. Its strengths lie in proprietary systems and diversified products, but weaknesses include high capital costs. The company shows positive growth with its earnings and is in a strong market. Key areas to watch are regulations and competitive pressures.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q), Investor Presentations, Third-party Financial Data Providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions can change, and past performance is not indicative of future results.
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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