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Online lender providing installment loans and lines of credit to non-prime consumers and small businesses.
Online lender providing installment loans and lines of credit to non-prime consumers and small businesses.
Earns interest and fees on short-term loans and credit lines it makes itself, funded by borrowing and by bundling loans into bonds sold to investors. Because its borrowers are riskier than average, losses are high and results turn on how well its credit models price that risk. Lending to small businesses has been built up beside the consumer business.
Moat: narrow (data, process know-how). Proprietary underwriting/analytics models built on years of non-prime lending data.
Headquarters: Chicago, Illinois, US · Founded: 2004 · Employees: 1,836
Size Enova International (ENVA) is a United States Financials company (Finance/Rental/Leasing) with a market value of $4.22B, the 1310th largest of 3,117 United States companies the cockpit tracks. Shares closed at $172.48 on 6 Nov 2026.
Performance Over six months the shares fell 1.4%, against -11.5% for the median peer and -1.1% for the United States market (cap-weighted) — 9th highest of 21 in its peer set.
Growth Revenue grew 20.1% over the last twelve months (peer median +8.9%); the operating margin is 24.2% (peer median 30.4%).
Valuation It trades at 2.72× book value against a peer median of 1.41× (7th most expensive of 20).
Price implies The share price implies a return on equity of about 26.6%; Enova International delivers 26.8%, so the price asks less than the business earns today.
Credit Enova International has 2 bonds outstanding ($900M), rated B by the agencies and trading like B+ at a weighted spread of 224 bp.
Short interest Short interest is 7.4% of the free float (15 Oct 2026).
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $3.65B | $3.15B | $2.66B | $2.12B | $1.74B |
| Revenue growth | — | +19% | +26% | +22% | — |
| EBITDA | $921M | $781M | $625M | $460M | $421M |
| Net income | $382M | $308M | $209M | $175M | $207M |
| Free cash flow | $2.01B | $1.77B | $1.50B | $1.12B | $850M |
| Capital expenditure | $46.7M | $47.1M | $43.4M | $45.2M | $43.6M |
| Total debt | $5.41B | $4.57B | $3.63B | $2.99B | $2.31B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Enova International ENVA | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% |
| OneMain OMF | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% |
| Upstart UPST | $2.17B | -24% | +39% | 8% | 2.44× | 37.8% |
| OppFi OPFI | $526M | -34% | +6% | 38% | 9.07× | 108.9% |
| Oportun Financial OPRT | $520M | +97% | 0% | 9% | 1.20× | 13.0% |
| Regional Management RM | $324M | +3% | +8% | 13% | 0.87× | 9.3% |
| World Acceptance WRLD | $671M | 0% | +5% | 14% | 1.92× | 18.4% |
| Atlanticus ATLC | $1.38B | +8% | +84% | 23% | 1.97× | 24.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | ENVA | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -5.5% | 0.0% | 6th lowest of 21 |
| 6-month return | -1.4% | -11.5% | 9th highest of 21 |
| Return on equity | 26.8% | 13.8% | highest of 20 |
| Price / book | 2.72× | 1.41× | 7th most expensive of 20 |
| Trailing P/E | 11.9× | 13.3× | 10th cheapest of 19 |
| ROE the price implies | 26.6% | 23.7% | 9th most demanding of 20 |
| ROE delivered | 26.8% | 13.8% | highest of 20 |
| Bond spread | 224 bp | 337 bp | 3rd tightest of 7 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Enova International ENVA | United States | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% | 26.8% |
| Avis Budget CAR | United States | $4.20B | -18% | -1% | n/a | n/a | n/a | n/a |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |
| Blue Owl Technology Finance OTF | United States | $4.36B | -13% | +95% | 5% | 0.58× | 4.9% | 4.8% |
| ACOM 8572.T | Japan | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% | 9.3% |
| Poonawalla Fincorp POONAWALLA.NS | India | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% | 9.2% |
| Bohai Leasing 000415.SZ | China | $4.44B | +2% | -7% | 18% | 0.90× | 6.3% | 17.8% |
| GMO Payment Gateway 3769.T | Japan | $3.98B | +6% | +13% | 22% | 5.02× | 32.4% | 21.5% |
| Bread Financial BFH | United States | $3.87B | +17% | +2% | 16% | 1.13× | 12.2% | 15.9% |
| Nelnet NNI | United States | $4.67B | +7% | -7% | 8% | 1.24× | 10.1% | 8.1% |
| HDB Financial Services HDBFS.NS | India | $4.71B | -24% | +11% | 14% | 2.01× | 30.2% | 14.3% |
| Sixt SIX2.DE | Germany | $3.67B | +4% | +7% | 15% | 1.67× | 15.8% | 15.0% |
| Credit Saison 8253.T | Japan | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% | 9.2% |
| Sundaram Finance SUNDARMFIN.NS | India | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% | 14.4% |
| Herc HRI | United States | $5.08B | +14% | +19% | 6% | 2.56× | 33.3% | 6.3% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
| Far East Horizon 3360.HK | Hong Kong | $3.44B | -25% | +1% | 8% | 0.45× | 4.5% | 7.6% |
| WillScot WSC | United States | $3.42B | -33% | -3% | -7% | 3.75× | 35.8% | -7.1% |
| PennyMac Financial Services PFSI | United States | $3.41B | -28% | +4% | 6% | 0.78× | 10.2% | 5.6% |
| Housing & Urban Development HUDCO.NS | India | $3.39B | -30% | +22% | 22% | 1.39× | 31.5% | 21.7% |
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
Enova International has 2 bonds outstanding with $900M face value. The agencies rate it B; its bonds trade like B+. Weighted yield 6.45%, a spread of 224 bp over government bonds.