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ENVA US Equity
Enova International, Inc.
176.83USD▼ 0.70%
Financial Services
Credit Services
96)Comparar97)Tesis →
Market Cap
$4.4B
Shares Outstanding
25M
P/E (TTM)
12.4×
P/FCF (TTM)
2.3×
EV/EBITDA
11.3×
Revenue (TTM)
$3.4B
Net Income (TTM)
$355M
FCF (TTM)
$2.0B
— Annual —FY2025
Revenue
$3.2B
Gross Margin
58.1%
Operating Margin
23.5%
Net Margin
9.8%
FCF Margin
56.2%
ROE
23.1%
Net Debt/EBITDA
5.7×
D/E Ratio
3.37
FCF / Share
71.17
Book Value / Share
53.69
ENVA US Equity
176.83USD▼ 0.70%
Tesis →

Enova International, Inc. (ENVA): análisis fundamental y valoración

Enova International, Inc. cotiza a 176.83 USD y tiene una capitalización bursátil de $4.4B. En los últimos 12 meses ha facturado $3.4B con un margen de flujo de caja libre del 56.2%. Cotiza a 2.3 veces su flujo de caja libre (P/FCF) y a un PER de 12.4. Datos fundamentales de la SEC EDGAR con hasta 20 años de histórico, insiders, institucionales y valoración DCF.Más empresas del sector Servicios financieros

Price History
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Perfil
BolsaNYSEPaísUnited StatesEmpleados1,836Beta1.28Web↗ www.enova.com

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with indepen…

Múltiplos de Valoración
P/E (Annual)
14.3×
P/E (TTM)
12.4×
P/FCF (Annual)
2.5×
P/FCF (TTM)
2.3×
EV/EBITDA
11.3×
EV/Revenue
2.8×
P/Sales
1.4×
P/Book
3.3×
Rentabilidad (Último Anual)
Gross Margin
58.1%
Operating Margin
23.5%
Net Margin
9.8%
FCF Margin
56.2%
ROE
23.1%
ROCE
—
ROA
4.8%
Effective Tax Rate
23.1%
Métricas TTM
Revenue TTM
$3.4B
Gross Profit TTM
$2.1B
Operating Income TTM
$828M
Net Income TTM
$355M
FCF TTM
$2.0B
EPS TTM
13.43
Quarters Used
4
TTM Period
2025-09-30 → 2026-06-30
Solidez del Balance
Net Debt
$4.4B
Net Debt / EBITDA
5.7×
Debt / Equity
3.37
Current Ratio
—
Interest Coverage
2.2×
Working Capital
—
Book Value / Share
53.69
Net Debt / Share
177.79
Crecimiento (YoY)
Revenue YoY
+18.6%
Net Income YoY
+47.2%
FCF YoY
+18.5%
EPS Diluted YoY
+55.0%
Retorno al Accionista
Dividend Yield
—
Payout Ratio
—
FCF / Share
71.17
CapEx % Revenue
1.5%
Rev / Employee
2M
Próximos Eventos
Historial EPS
Periodo2026-102026-072026-042026-01
Real—$4.31$3.87$3.46
Estimado$4.40$3.96$3.68$3.17
Sorpresa—+8.8%+5.2%+9.1%
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vs Sector: Financial Services (1099 empresas)
MétricaENVAMediana SectorΔ
Gross Margin58.1%51.3%+6.8%
Operating Margin23.5%4.9%+18.6%
Net Margin9.8%16.8%-7.0%
FCF Margin56.2%20.6%+35.7%
ROE23.1%9.3%+13.8%
ROA4.8%1.1%+3.6%
Current Ratio—1.19—
Debt / Equity3.370.37+3.00
Scoring Fundamental
Capital Allocation
5/ 8Moderada
✓FCF+Free cash flow positivo
✓FCFmMargen FCF > 10%
✓DilucSin dilución significativa (< 2%/año en 3 años)
✓Rev↑Revenue CAGR 3 años > 5%
✗ROCERetorno sobre capital empleado > 10%
✗DeudaDeuda neta/EBITDA < 3× (o posición de caja neta)
✓Mg↑Margen operativo ≥ hace 2-3 años (tolerancia -2pp)
✗Inv.R&D + Capex > 3% de revenue (reinversión en el negocio)