Enova International Stock Analysis

ENVA Stock  USD 101.94  4.51  4.63%   
Enova International is overvalued with Real Value of 85.59 and Target Price of 109.14. The main objective of Enova International stock analysis is to determine its intrinsic value, which is an estimate of what Enova International is worth, separate from its market price. There are two main types of Enova International's stock analysis: fundamental analysis and technical analysis.
The Enova International stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Enova International's ongoing operational relationships across important fundamental and technical indicators.
  
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Enova International. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.

Enova Stock Analysis Notes

About 97.0% of the company shares are held by institutions such as insurance companies. The book value of Enova International was currently reported as 46.38. The company recorded earning per share (EPS) of 7.43. Enova International had not issued any dividends in recent years. Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois. Enova International operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 1463 people. To learn more about Enova International call David Fisher at 312 568 4200 or check out https://www.enova.com.

Enova International Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Enova International's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Enova International or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Over 97.0% of the company shares are held by institutions such as insurance companies
Latest headline from finance.yahoo.com: Are Investors Undervaluing Enova International Right Now

Enova International Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Enova International previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
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

Enova Largest EPS Surprises

Earnings surprises can significantly impact Enova International's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2016-07-28
2016-06-300.220.250.0313 
2018-02-01
2017-12-310.210.260.0523 
2017-07-27
2017-06-300.360.410.0513 
View All Earnings Estimates

Enova International Environmental, Social, and Governance (ESG) Scores

Enova International's ESG score is a quantitative measure that evaluates Enova International's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Enova International's operations that may have significant financial implications and affect Enova International's stock price as well as guide investors towards more socially responsible investments.

Enova Stock Institutional Investors

Shares
Goldman Sachs Group Inc2024-12-31
437.4 K
Morgan Stanley - Brokerage Accounts2024-12-31
423 K
Mangrove Partners2024-12-31
415.2 K
Northern Trust Corp2024-12-31
403.8 K
Amvescap Plc.2024-12-31
316.2 K
Arrowstreet Capital Limited Partnership2024-12-31
312.6 K
Harspring Capital Management Llc2024-12-31
302.4 K
No Street Gp Lp2024-12-31
275 K
Ubs Group Ag2024-12-31
243.1 K
Sparta 24 Ltd.2024-12-31
32 M
Blackrock Inc2024-12-31
M
Note, although Enova International's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Enova Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.63 B.

Enova Profitablity

The company has Profit Margin (PM) of 0.17 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.23 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.23.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.04  0.04 
Return On Capital Employed 0.12  0.12 
Return On Assets 0.04  0.04 
Return On Equity 0.17  0.17 

Management Efficiency

Enova International has return on total asset (ROA) of 0.0425 % which means that it generated a profit of $0.0425 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1719 %, meaning that it created $0.1719 on every $100 dollars invested by stockholders. Enova International's management efficiency ratios could be used to measure how well Enova International manages its routine affairs as well as how well it operates its assets and liabilities. As of March 25, 2025, Return On Tangible Assets is expected to decline to 0.04. In addition to that, Return On Capital Employed is expected to decline to 0.12. At present, Enova International's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 33.8 M, whereas Non Current Assets Total are forecasted to decline to about 398 M.
Last ReportedProjected for Next Year
Book Value Per Share 44.46  46.69 
Tangible Book Value Per Share 33.68  35.37 
Enterprise Value Over EBITDA 18.24  19.16 
Price Book Value Ratio 2.16  2.05 
Enterprise Value Multiple 18.24  19.16 
Price Fair Value 2.16  2.05 
The leadership approach at Enova International's fosters a culture of excellence and accountability. Our analysis examines how this culture influences financial outcomes and stock valuation.
Operating Margin
0.2327
Profit Margin
0.1691
Beta
1.435
Return On Assets
0.0425
Return On Equity
0.1719

Technical Drivers

As of the 25th of March, Enova International shows the Downside Deviation of 2.28, mean deviation of 1.73, and Coefficient Of Variation of 7350.38. Enova International technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.

Enova International Price Movement Analysis

Execute Study
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Enova International Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Enova International insiders, such as employees or executives, is commonly permitted as long as it does not rely on Enova International's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Enova International insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Linda Rice over three weeks ago
Disposition of 2532 shares by Linda Rice of Enova International at 103.1104 subject to Rule 16b-3
 
Kirk Chartier over a month ago
Disposition of 4841 shares by Kirk Chartier of Enova International at 87.71 subject to Rule 16b-3
 
Sean Rahilly over a month ago
Disposition of 2688 shares by Sean Rahilly of Enova International at 114.86 subject to Rule 16b-3
 
Sean Rahilly over a month ago
Disposition of 872 shares by Sean Rahilly of Enova International at 114.86 subject to Rule 16b-3
 
James Lee over a month ago
Disposition of 455 shares by James Lee of Enova International at 116.5854 subject to Rule 16b-3
 
Kirk Chartier over three months ago
Disposition of 17644 shares by Kirk Chartier of Enova International at 23.96 subject to Rule 16b-3
 
David Fisher over three months ago
Disposition of 10000 shares by David Fisher of Enova International at 105.728 subject to Rule 16b-3
 
Steven Cunningham over three months ago
Disposition of 26042 shares by Steven Cunningham of Enova International at 89.529 subject to Rule 16b-3
 
Sean Rahilly over three months ago
Disposition of 8000 shares by Sean Rahilly of Enova International at 23.96 subject to Rule 16b-3
 
Sean Rahilly over three months ago
Disposition of 9000 shares by Sean Rahilly of Enova International at 59.9506 subject to Rule 16b-3
 
Gregg Kaplan over three months ago
Disposition of 7657 shares by Gregg Kaplan of Enova International at 87.5052 subject to Rule 16b-3
 
David Fisher over six months ago
Disposition of 10000 shares by David Fisher of Enova International at 84.4496 subject to Rule 16b-3

Enova International Outstanding Bonds

Enova International issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Enova International uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Enova bonds can be classified according to their maturity, which is the date when Enova International has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Enova International Predictive Daily Indicators

Enova International intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Enova International stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Enova International Corporate Filings

8K
20th of March 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
13th of March 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
7th of March 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
26th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
24th of February 2025
Other Reports
ViewVerify
10K
18th of February 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
14th of February 2025
Other Reports
ViewVerify
F4
10th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Enova International Forecast Models

Enova International's time-series forecasting models are one of many Enova International's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Enova International's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Enova Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Enova International prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Enova shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Enova International. By using and applying Enova Stock analysis, traders can create a robust methodology for identifying Enova entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.10  0.18 
Operating Profit Margin 0.22  0.40 
Net Profit Margin 0.08  0.10 
Gross Profit Margin 0.47  0.59 

Current Enova Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Enova analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Enova analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
109.14Strong Buy7Odds
Enova International current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Enova analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Enova stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Enova International, talking to its executives and customers, or listening to Enova conference calls.
Enova Analyst Advice Details

Enova Stock Analysis Indicators

Enova International stock analysis indicators help investors evaluate how Enova International stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Enova International shares will generate the highest return on investment. By understating and applying Enova International stock analysis, traders can identify Enova International position entry and exit signals to maximize returns.
Begin Period Cash Flow377.4 M
Total Stockholder Equity1.2 B
Capital Lease Obligations32.2 M
Property Plant And Equipment Net138.2 M
Cash And Short Term Investments73.9 M
Cash73.9 M
50 Day M A103.781
Total Current Liabilities483.3 M
Forward Price Earnings8.4602
Investments-1.9 B
Interest Expense-290.4 M
Stock Based Compensation31.8 M
Long Term Debt3.3 B
Common Stock Shares Outstanding28.2 M
Tax Provision61.7 M
Quarterly Earnings Growth Y O Y1.038
Other Current Assets248.8 M
Accounts Payable59 M
Net Debt3.5 B
Other Operating Expenses2.1 B
Non Current Assets Total460.5 M
Liabilities And Stockholders Equity5.3 B
Non Currrent Assets Other32.2 M

Complementary Tools for Enova Stock analysis

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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