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Enova International, Inc. (ENVA)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US29357K1034
CUSIP
29357K103
IPO Date
Nov 13, 2014

Highlights

Market Cap
$3.58B
Enterprise Value
$8.01B
EPS (TTM)
$11.58
PE Ratio
11.73
PEG Ratio
0.64
Total Revenue (TTM)
$3.15B
Gross Profit (TTM)
$1.58B
EBITDA (TTM)
$529.82M
Year Range
$79.41 - $176.68
Target Price
$194.00
ROA (TTM)
4.77%
ROE (TTM)
23.07%

Share Price Chart


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Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Enova International, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

Enova International, Inc. (ENVA) has returned -13.59% so far this year and 40.67% over the past 12 months. Looking at the last ten years, ENVA has achieved an annualized return of 36.52%, outperforming the S&P 500 Index benchmark, which averaged 12.16% per year.


Enova International, Inc.

1D
3.48%
1M
-2.32%
YTD
-13.59%
6M
18.02%
1Y
40.67%
3Y*
45.14%
5Y*
30.35%
10Y*
36.52%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Nov 13, 2014, ENVA's average daily return is +0.11%, while the average monthly return is +2.21%. At this rate, your investment would double in approximately 2.6 years.

Historically, 53% of months were positive and 47% were negative. The best month was Apr 2016 with a return of +39.6%, while the worst month was Nov 2015 at -42.2%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 4 months.

On a daily basis, ENVA closed higher 51% of trading days. The best single day was Apr 27, 2018 with a return of +27.2%, while the worst single day was Mar 18, 2020 at -37.9%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20265.07%-15.81%-2.32%-13.59%
202517.15%-8.00%-6.56%-4.94%0.96%20.34%-6.24%16.01%-5.12%3.89%9.63%19.92%63.95%
2024-1.68%16.20%-0.66%-3.66%1.85%0.97%38.91%-0.86%-2.26%3.72%21.40%-9.13%73.19%
202318.97%6.79%-8.86%-1.15%5.92%14.19%3.71%-8.42%0.83%-21.60%3.31%34.37%44.28%
2022-1.66%1.22%-6.87%-1.50%-15.56%-8.74%19.74%1.25%-16.23%28.08%7.60%-4.88%-6.32%
2021-8.76%35.84%15.57%-3.49%10.60%-9.66%-3.27%-0.33%4.76%-6.11%17.51%7.45%65.36%

Benchmark Metrics

Enova International, Inc. has an annualized alpha of 12.54%, beta of 1.37, and R² of 0.22 versus S&P 500 Index. Calculated based on daily prices since November 14, 2014.

  • This stock captured 180.79% of S&P 500 Index gains and 149.52% of its losses — amplifying both gains and losses, but participating more in upside than downside.
  • R² of 0.22 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
12.54%
Beta
1.37
0.22
Upside Capture
180.79%
Downside Capture
149.52%

Return for Risk

Risk / Return Rank

ENVA ranks 70 for risk / return — better than 70% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


ENVA Risk / Return Rank: 7070
Overall Rank
ENVA Sharpe Ratio Rank: 7373
Sharpe Ratio Rank
ENVA Sortino Ratio Rank: 6767
Sortino Ratio Rank
ENVA Omega Ratio Rank: 6767
Omega Ratio Rank
ENVA Calmar Ratio Rank: 7272
Calmar Ratio Rank
ENVA Martin Ratio Rank: 7373
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Enova International, Inc. (ENVA) and compare them to a chosen benchmark (S&P 500 Index).


ENVABenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.97

0.90

+0.07

Sortino ratio

Return per unit of downside risk

1.52

1.39

+0.13

Omega ratio

Gain probability vs. loss probability

1.20

1.21

-0.01

Calmar ratio

Return relative to maximum drawdown

1.67

1.40

+0.27

Martin ratio

Return relative to average drawdown

4.19

6.61

-2.41

Explore ENVA risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History


Enova International, Inc. doesn't pay dividends

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Enova International, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Enova International, Inc. was 81.56%, occurring on Jan 19, 2016. Recovery took 573 trading sessions.

The current Enova International, Inc. drawdown is 21.20%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-81.56%Nov 14, 2014295Jan 19, 2016573Apr 27, 2018868
-77.57%Jul 24, 2018416Mar 18, 2020246Mar 10, 2021662
-42.84%Feb 11, 202287Jun 16, 2022158Feb 2, 2023245
-37.01%Jul 19, 202370Oct 25, 202362Jan 25, 2024132
-26.25%Feb 7, 202540Apr 4, 202565Jul 10, 2025105

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Enova International, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Enova International, Inc. is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for ENVA, comparing it with other companies in the Credit Services industry. Currently, ENVA has a P/E ratio of 11.7. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for ENVA compared to other companies in the Credit Services industry. ENVA currently has a PEG ratio of 0.6. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for ENVA relative to other companies in the Credit Services industry. Currently, ENVA has a P/S ratio of 1.1. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for ENVA in comparison with other companies in the Credit Services industry. Currently, ENVA has a P/B value of 2.7. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items