Enova Financial Statements From 2010 to 2024

ENVA Stock  USD 60.71  1.12  1.88%   
Enova International financial statements provide useful quarterly and yearly information to potential Enova International investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Enova International financial statements helps investors assess Enova International's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Enova International's valuation are summarized below:
Gross Profit
828 M
Profit Margin
0.1692
Market Capitalization
1.6 B
Enterprise Value Revenue
2.1479
Revenue
B
We have found one hundred twenty available fundamental signals for Enova International, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to verify all of Enova International prevailing market performance against the performance between 2010 and 2024 to make sure the company can sustain itself down the road.

Enova International Total Revenue

2.22 Billion

Check Enova International financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Enova main balance sheet or income statement drivers, such as Depreciation And Amortization of 40.1 M, Interest Expense of 204.5 M or Selling General Administrative of 121.5 M, as well as many exotic indicators such as Price To Sales Ratio of 0.76, Dividend Yield of 0.0125 or PTB Ratio of 1.3. Enova financial statements analysis is a perfect complement when working with Enova International Valuation or Volatility modules.
  
This module can also supplement Enova International's financial leverage analysis and stock options assessment as well as various Enova International Technical models . Check out the analysis of Enova International Correlation against competitors.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.

Enova International Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets4.8 B4.6 B1.8 B
Slightly volatile
Short and Long Term Debt Total3.1 BB1.1 B
Slightly volatile
Total Stockholder Equity1.3 B1.2 B514.3 M
Slightly volatile
Property Plant And Equipment Net68.5 M123 M64.7 M
Slightly volatile
Net Debt2.7 B2.6 B995.7 M
Slightly volatile
Retained Earnings1.6 B1.5 B550 M
Slightly volatile
Cash396.3 M377.4 M120.9 M
Slightly volatile
Non Current Assets Total390.8 M462.8 M362.1 M
Slightly volatile
Other Assets4.8 B4.6 B1.1 B
Slightly volatile
Cash And Short Term Investments396.3 M377.4 M120.9 M
Slightly volatile
Good Will290.2 M321.2 M268.9 M
Slightly volatile
Common Stock Shares Outstanding36.9 M31.9 M33.8 M
Slightly volatile
Liabilities And Stockholders Equity4.8 B4.6 B1.8 B
Slightly volatile
Non Current Liabilities Total3.2 B3.1 B1.1 B
Slightly volatile
Total Liabilities3.5 B3.3 B1.3 B
Slightly volatile
Property Plant And Equipment Gross266.8 M254.1 M86.7 M
Slightly volatile
Total Current Assets4.3 B4.1 B1.4 B
Slightly volatile
Intangible Assets9.8 M19 M9.5 M
Slightly volatile
Total Current Liabilities135.5 M261.2 M156.8 M
Very volatile
Accounts Payable41.2 M43.3 M76.4 M
Slightly volatile
Other Liabilities125.8 M119.8 M50.2 M
Slightly volatile
Long Term Debt3.1 B2.9 B1.1 B
Slightly volatile
Net Receivables3.9 B3.7 B1.3 B
Slightly volatile
Property Plant Equipment63.7 M107.2 M59.4 M
Slightly volatile
Long Term Investments3.6 B3.5 B1.1 B
Slightly volatile
Short and Long Term Debt25.4 M26.8 M211.4 M
Slightly volatile
Long Term Debt Total2.7 B2.6 B1.1 B
Slightly volatile
Capital Surpluse304.1 M289.7 M98.6 M
Slightly volatile
Net Invested Capital2.5 B4.2 B1.7 B
Slightly volatile
Net Working Capital2.1 B3.9 B1.4 B
Slightly volatile
Capital Lease Obligations32.8 M27 M37.3 M
Very volatile
Non Current Liabilities Other35.6 M30.2 M37.7 M
Pretty Stable

Enova International Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense204.5 M194.8 M96.3 M
Slightly volatile
Selling General Administrative121.5 M160.3 M112.4 M
Slightly volatile
Selling And Marketing Expenses435.2 M414.5 M173.8 M
Slightly volatile
Total Revenue2.2 B2.1 BB
Slightly volatile
Gross Profit562.2 MB535.4 M
Slightly volatile
Other Operating Expenses1.8 B1.7 B828.9 M
Slightly volatile
Operating Income233.4 M422.1 M213.1 M
Slightly volatile
EBIT212.9 M422.1 M193.1 M
Slightly volatile
EBITDA483.3 M460.3 M225 M
Slightly volatile
Total Operating Expenses1.7 B1.7 B506.6 M
Slightly volatile
Income Before Tax161.4 M227.2 M154.9 M
Slightly volatile
Net Income121.1 M175.1 M116.5 M
Slightly volatile
Income Tax Expense40.3 M52.1 M38.3 M
Slightly volatile
Cost Of Revenue1.1 B1.1 B503.5 M
Slightly volatile
Net Income Applicable To Common Shares130.5 M238.5 M119.4 M
Slightly volatile
Net Income From Continuing Ops159.7 M191.2 M137.2 M
Slightly volatile
Tax Provision45.2 M61.3 M36.5 M
Slightly volatile
Interest Income76.8 M87.2 M67.3 M
Slightly volatile
Reconciled Depreciation27.4 M37.6 M20.2 M
Slightly volatile

Enova International Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation28.1 M26.7 M11.4 M
Slightly volatile
Free Cash Flow1.2 B1.1 B563 M
Slightly volatile
Begin Period Cash Flow98.4 M178.4 M94.2 M
Slightly volatile
Depreciation20.9 M38.2 M19.8 M
Slightly volatile
Other Non Cash Items934.2 M889.8 M431.1 M
Slightly volatile
Capital Expenditures24.3 M45.2 M22.8 M
Slightly volatile
Total Cash From Operating Activities1.2 B1.2 B587.4 M
Slightly volatile
Net Income114.4 M175.1 M110 M
Slightly volatile
End Period Cash Flow396.3 M377.4 M139.5 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.760.80191.3656
Slightly volatile
Dividend Yield0.01250.01320.0596
Slightly volatile
PTB Ratio1.31.36924.74
Slightly volatile
Days Sales Outstanding665633346
Slightly volatile
Book Value Per Share42.4540.432415.838
Slightly volatile
Free Cash Flow Yield0.510.66050.6583
Slightly volatile
Invested Capital4.032.39173.7072
Slightly volatile
Operating Cash Flow Per Share39.9438.042218.074
Slightly volatile
Stock Based Compensation To Revenue0.00660.01260.0086
Slightly volatile
PB Ratio1.31.36924.74
Slightly volatile
EV To Sales2.822.03512.366
Slightly volatile
Free Cash Flow Per Share38.436.567317.3259
Slightly volatile
ROIC0.07350.07730.1325
Slightly volatile
Net Income Per Share5.995.70933.6878
Slightly volatile
Payables Turnover26.2324.982610.2833
Very volatile
Sales General And Administrative To Revenue0.07190.07570.1589
Slightly volatile
Cash Per Share12.9212.30533.7681
Slightly volatile
POCF Ratio2.311.45521.9821
Slightly volatile
Interest Coverage2.382.16733.0582
Pretty Stable
Payout Ratio0.240.1280.4045
Slightly volatile
PFCF Ratio2.441.51392.0972
Slightly volatile
Days Payables Outstanding13.8814.610265.3803
Slightly volatile
Income Quality8.896.66328.0832
Very volatile
ROE0.130.14120.3391
Slightly volatile
EV To Operating Cash Flow3.973.69333.5232
Pretty Stable
PE Ratio15.919.696513.1341
Slightly volatile
Return On Tangible Assets0.03880.04080.1066
Slightly volatile
EV To Free Cash Flow4.193.84233.7229
Pretty Stable
Earnings Yield0.10.10310.133
Slightly volatile
Intangibles To Total Assets0.06180.0650.2599
Slightly volatile
Net Debt To EBITDA3.415.67384.4172
Slightly volatile
Current Ratio16.5815.78649.2497
Slightly volatile
Receivables Turnover0.550.57651.5283
Slightly volatile
Graham Number75.6772.068835.0712
Slightly volatile
Shareholders Equity Per Share42.4540.432415.838
Slightly volatile
Debt To Equity4.032.39173.7072
Slightly volatile
Revenue Per Share72.4969.039231.8161
Slightly volatile
Interest Debt Per Share10810339.2071
Slightly volatile
Debt To Assets0.80.64680.7372
Slightly volatile
Enterprise Value Over EBITDA7.099.36288.9947
Pretty Stable
Price Earnings Ratio15.919.696513.1341
Slightly volatile
Operating Cycle628633687
Slightly volatile
Price Book Value Ratio1.31.36924.74
Slightly volatile
Days Of Payables Outstanding13.8814.610265.3803
Slightly volatile
Dividend Payout Ratio0.240.1280.4045
Slightly volatile
Price To Operating Cash Flows Ratio2.311.45521.9821
Slightly volatile
Price To Free Cash Flows Ratio2.441.51392.0972
Slightly volatile
Pretax Profit Margin0.190.10730.1685
Very volatile
Ebt Per Ebit0.630.53830.8228
Pretty Stable
Operating Profit Margin0.190.19930.3119
Slightly volatile
Effective Tax Rate0.320.22940.2875
Slightly volatile
Company Equity Multiplier5.33.69754.8217
Slightly volatile
Long Term Debt To Capitalization0.80.70360.7273
Slightly volatile
Total Debt To Capitalization0.810.70520.7418
Slightly volatile
Return On Capital Employed0.09270.09760.261
Slightly volatile
Debt Equity Ratio4.032.39173.7072
Slightly volatile
Ebit Per Revenue0.190.19930.3119
Slightly volatile
Quick Ratio16.2915.51088.9479
Slightly volatile
Net Income Per E B T0.570.77060.705
Slightly volatile
Cash Ratio0.761.44531.0563
Pretty Stable
Cash Conversion Cycle566619618
Slightly volatile
Operating Cash Flow Sales Ratio0.730.5510.6324
Slightly volatile
Days Of Sales Outstanding665633346
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.96120.939
Pretty Stable
Cash Flow Coverage Ratios0.660.39340.5903
Pretty Stable
Price To Book Ratio1.31.36924.74
Slightly volatile
Fixed Asset Turnover11.5417.222714.7693
Pretty Stable
Price Cash Flow Ratio2.311.45521.9821
Slightly volatile
Enterprise Value Multiple7.099.36288.9947
Pretty Stable
Debt Ratio0.80.64680.7372
Slightly volatile
Cash Flow To Debt Ratio0.660.39340.5903
Pretty Stable
Price Sales Ratio0.760.80191.3656
Slightly volatile
Return On Assets0.06090.03820.0762
Very volatile
Asset Turnover0.750.46180.7022
Slightly volatile
Net Profit Margin0.0960.08270.1188
Pretty Stable
Gross Profit Margin0.440.48880.5416
Very volatile
Price Fair Value1.31.36924.74
Slightly volatile
Return On Equity0.130.14120.3391
Slightly volatile

Enova Fundamental Market Drivers

Forward Price Earnings7.2833
Cash And Short Term Investments377.4 M

Enova Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Enova International Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include Enova International income statement, its balance sheet, and the statement of cash flows. Enova International investors use historical funamental indicators, such as Enova International's revenue or net income, to determine how well the company is positioned to perform in the future. Although Enova International investors may use each financial statement separately, they are all related. The changes in Enova International's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Enova International's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Enova International Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Enova International. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue60.3 M63.3 M
Total Revenue2.1 B2.2 B
Cost Of Revenue1.1 B1.1 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.08  0.07 
Research And Ddevelopement To Revenue 0.00  0.00 
Capex To Revenue(0.02)(0.02)
Revenue Per Share 69.04  72.49 
Ebit Per Revenue 0.20  0.19 

Enova International Investors Sentiment

The influence of Enova International's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Enova. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.
Investor biases related to Enova International's public news can be used to forecast risks associated with an investment in Enova. The trend in average sentiment can be used to explain how an investor holding Enova can time the market purely based on public headlines and social activities around Enova International. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Enova International's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Enova International's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Enova International's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Enova International.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Enova International in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Enova International's short interest history, or implied volatility extrapolated from Enova International options trading.

Pair Trading with Enova International

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Enova International position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Enova International will appreciate offsetting losses from the drop in the long position's value.

Moving together with Enova Stock

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Moving against Enova Stock

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The ability to find closely correlated positions to Enova International could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Enova International when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Enova International - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Enova International to buy it.
The correlation of Enova International is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Enova International moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Enova International moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Enova International can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Enova International offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Enova International's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Enova International Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Enova International Stock:
Check out the analysis of Enova International Correlation against competitors.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.
You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.

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When running Enova International's price analysis, check to measure Enova International's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Enova International is operating at the current time. Most of Enova International's value examination focuses on studying past and present price action to predict the probability of Enova International's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Enova International's price. Additionally, you may evaluate how the addition of Enova International to your portfolios can decrease your overall portfolio volatility.
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Is Enova International's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enova International. If investors know Enova will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enova International listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.27)
Earnings Share
5.49
Revenue Per Share
33.748
Quarterly Revenue Growth
0.06
Return On Assets
0.0419
The market value of Enova International is measured differently than its book value, which is the value of Enova that is recorded on the company's balance sheet. Investors also form their own opinion of Enova International's value that differs from its market value or its book value, called intrinsic value, which is Enova International's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enova International's market value can be influenced by many factors that don't directly affect Enova International's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Enova International's value and its price as these two are different measures arrived at by different means. Investors typically determine if Enova International is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enova International's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.