- ISIN
- US29357K1034
- CUSIP
- 29357K103
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Nov 13, 2014
Highlights
- Market Cap
- $5.39B
- Enterprise Value
- $10.13B
- EPS (TTM)
- $12.29
- PE Ratio
- 16.65
- PEG Ratio
- 0.90
- Total Revenue (TTM)
- $3.28B
- Gross Profit (TTM)
- $1.23B
- EBITDA (TTM)
- $456.13M
- Year Range
- $99.61 - $206.19
- Target Price
- $193.00
- ROA (TTM)
- 4.75%
- ROE (TTM)
- 23.29%
Share Price Chart
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Performance
ENVA Performance Chart
Enova International, Inc. (ENVA) is up 30.2% since the beginning of the year. At $205 per share, ENVA is trading just below its 52-week high of $206. Investors who bought $1,000 worth of ENVA shares 5 years ago would now be looking at an investment worth $5,942.
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Returns By Period
Enova International, Inc. (ENVA) has returned 30.24% so far this year and 107.73% over the past 12 months. Looking at the last ten years, ENVA has achieved an annualized return of 39.82%, outperforming the S&P 500 Index benchmark, which averaged 13.88% per year.
Enova International, Inc.
- 1D
- 1.08%
- 1M
- 29.99%
- YTD
- 30.24%
- 6M
- 24.20%
- 1Y
- 107.73%
- 3Y*
- 57.98%
- 5Y*
- 42.82%
- 10Y*
- 39.82%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
ENVA Monthly Returns History
Based on dividend-adjusted daily data since Nov 13, 2014, ENVA's average daily return is +0.12%, while the average monthly return is +2.41%. At this rate, an investment would double in approximately 2.4 years.
Historically, 54% of months were positive and 46% 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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 5.07% | -15.81% | -2.32% | 24.72% | -4.66% | 26.77% | 30.24% | ||||||
| 2025 | 17.15% | -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% |
| 2023 | 18.97% | 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 13.20%, beta of 1.36, and R2 of 0.22 versus S&P 500 Index. Calculated based on daily prices since November 13, 2014.
- This stock captured 170.39% of S&P 500 Index gains and 140.92% 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
- 13.20%
- Beta
- 1.36
- R²
- 0.22
- Upside Capture
- 170.39%
- Downside Capture
- 140.92%
Return for Risk
Risk / Return Rank
ENVA ranks 91 for risk / return — in the top 91% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Enova International, Inc. (ENVA) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ENVA | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.79 | ||
| Sortino ratioReturn per unit of downside risk | +0.62 | ||
| Omega ratioGain probability vs. loss probability | 1.43 | 1.37 | +0.06 |
| Calmar ratioReturn relative to maximum drawdown | 4.38 | 2.78 | +1.59 |
| Martin ratioReturn relative to average drawdown | 11.30 | 12.44 | -1.14 |
Dividends
Dividend History
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 84.26%, occurring on Jan 19, 2016. Recovery took 581 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2016 bear market2016 | -84.26%Jan 2016 | 1y 2mo | 2y 3mo | 3y 5moNov 2014 - May 2018 |
COVID crash2020 | -77.57%Mar 2020 | 1y 7mo | 11mo 27d | 2y 7moJul 2018 - Mar 2021 |
Bear market2022 | -42.84%Jun 2022 | 4mo 5d | 7mo 21d | 11mo 26dFeb 2022 - Feb 2023 |
2023 bear market2023 | -37.01%Oct 2023 | 3mo 8d | 3mo 2d | 6mo 10dJul 2023 - Jan 2024 |
2025 selloff2025 | -26.25%Apr 2025 | 1mo 26d | 3mo 7d | 5mo 3dFeb 2025 - Jul 2025 |
Drawdown Indicators
| ENVA | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.26% | -56.78% | -27.48% |
Max Drawdown (1Y)Largest decline over 1 year | -24.75% | -9.10% | -15.65% |
Max Drawdown (3Y)Largest decline over 3 years | -37.01% | -18.90% | -18.11% |
Max Drawdown (5Y)Largest decline over 5 years | -42.84% | -25.43% | -17.41% |
Max Drawdown (10Y)Largest decline over 10 years | -77.57% | -33.92% | -43.65% |
Current DrawdownCurrent decline from peak | 0.00% | -1.80% | +1.80% |
Average DrawdownAverage peak-to-trough decline | -31.77% | -10.71% | -21.06% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.57% | 2.03% | +7.54% |
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.
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 16.7. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
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 0.9. 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 1.7. 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 3.8. 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
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Total Revenue | — |
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Income | — |
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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 | — |
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