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Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
2011
1.8K+
LTM Revenue $2.8B
LTM EBITDA $677M
$5.8B
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Enova International has a last 12-month revenue of $2.8B and a last 12-month EBITDA of $677M.
In the most recent fiscal year, Enova International achieved revenue of $2.7B and an EBITDA of $335M.
Enova International expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Enova International valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $2.1B | $2.7B | XXX | XXX | XXX |
| Gross Profit | $1.0B | $1.0B | XXX | XXX | XXX |
| Gross Margin | 47% | 39% | XXX | XXX | XXX |
| EBITDA | $266M | $335M | XXX | XXX | XXX |
| EBITDA Margin | 13% | 13% | XXX | XXX | XXX |
| Net Profit | $207M | $175M | XXX | XXX | XXX |
| Net Margin | 10% | 7% | XXX | XXX | XXX |
| Net Debt | $2.2B | $2.9B | XXX | XXX | XXX |
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As of April 15, 2025, Enova International's stock price is $91.
Enova International has current market cap of $2.3B, and EV of $5.8B.
See Enova International trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $5.8B | $2.3B | XXX | XXX | XXX | XXX | $9.83 |
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Sign UpAs of April 15, 2025, Enova International has market cap of $2.3B and EV of $5.8B.
Enova International's trades at 2.1x LTM EV/Revenue multiple, and 8.6x LTM EBITDA.
Analysts estimate Enova International's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Enova International and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $5.8B | XXX | XXX | XXX |
| EV/Revenue | 2.2x | XXX | XXX | XXX |
| EV/EBITDA | 17.5x | XXX | XXX | XXX |
| P/E | 11.1x | XXX | XXX | XXX |
| P/E/Growth | 0.5x | XXX | XXX | XXX |
| EV/FCF | 3.9x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpEnova International's NTM/LTM revenue growth is 15%
Enova International's revenue per employee for the last fiscal year averaged $1.5M, while opex per employee averaged $0.5M for the same period.
Over next 12 months, Enova International's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Enova International's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Enova International and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 26% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 13% | XXX | XXX | XXX | XXX |
| EBITDA Growth | 26% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 28% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $1.5M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.5M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 20% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 6% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 36% | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Enova International acquired XXX companies to date.
Last acquisition by Enova International was XXXXXXXX, XXXXX XXXXX XXXXXX . Enova International acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Enova International founded? | Enova International was founded in 2011. |
| Where is Enova International headquartered? | Enova International is headquartered in United States of America. |
| How many employees does Enova International have? | As of today, Enova International has 1.8K+ employees. |
| Who is the CEO of Enova International? | Enova International's CEO is Mr. David A. Fisher. |
| Is Enova International publicy listed? | Yes, Enova International is a public company listed on NYS. |
| What is the stock symbol of Enova International? | Enova International trades under ENVA ticker. |
| When did Enova International go public? | Enova International went public in 2014. |
| Who are competitors of Enova International? | Similar companies to Enova International include e.g. Credit Clear, Humm Group, MoneyMe, Plenti Group. |
| What is the current market cap of Enova International? | Enova International's current market cap is $2.3B |
| What is the current revenue of Enova International? | Enova International's last 12-month revenue is $2.8B. |
| What is the current EBITDA of Enova International? | Enova International's last 12-month EBITDA is $677M. |
| What is the current EV/Revenue multiple of Enova International? | Current revenue multiple of Enova International is 2.1x. |
| What is the current EV/EBITDA multiple of Enova International? | Current EBITDA multiple of Enova International is 8.6x. |
| What is the current revenue growth of Enova International? | Enova International revenue growth between 2023 and 2024 was 26%. |
| Is Enova International profitable? | Yes, Enova International is EBITDA-positive (as of the last 12 months). |
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