enova is a web-based consumer lending company located in downtown chicago. what began as a dynamic management team, with roots in silicon valley and wall street, has grown at a tremendous pace since its inception. today, we are proud to have over 800 enova team members serving millions of customers in the united states, united kingdom, australia, and canada. at enova, we believe everyone should have access to simple and trustworthy financial services, regardless of their credit history. that’s why we’re dedicated to providing convenient and licensed financial services that allow our customers to face their financial needs responsibly. what sets us apart? enova and its businesses were built on the premise of providing convenient and reliable services by using the most innovative technology available. supported by a proprietary credit model, extensive marketing relationships and state-of-the-art technology, enova has the unique tools to meet individualized customer needs.
Company profile
Ticker
ENVA
Exchange
Website
CEO
David Fisher
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
Corporate docs
Subsidiaries
├─┬─ Debit Plus, LLC • │ ├─── Debit Plus Payment Solutions, LLC • │ ├─── Debit Plus Services, LLC • │ └─── Debit Plus Technologies, LLC • ├─┬─ Energy • │ └─┬─ On Deck Capital, Inc • │ ├─── ODWS, LLC • │ ├─── ODX, LLC • │ ├─── OnDeck Asset Securitization Trust III, LLC • │ ├─── OnDeck Canada Holdings, Inc ...
ENVA stock data
Latest filings (excl ownership)
10-K
2023 FY
Annual report
23 Feb 24
8-K
Enova Reports Fourth Quarter and Full Year 2023 Results
30 Jan 24
8-K
Enova Announces Closing of $400.0 Million of Senior Unsecured Notes Due 2028
11 Dec 23
8-K
Other Events
5 Dec 23
8-K
Enova Announces Private Offering of $400.0 Million of Senior Notes Due 2028
4 Dec 23
8-K
Entry into a Material Definitive Agreement
16 Nov 23
8-K
Enova Reaches Agreement with CFPB on Consumer Loan Processing Errors
15 Nov 23
10-Q
2023 Q3
Quarterly report
25 Oct 23
8-K
Enova Reports Third Quarter 2023 Results and New $300 Million Share Repurchase Program
24 Oct 23
8-K
Entry into a Material Definitive Agreement
19 Oct 23
Transcripts
ENVA
Earnings call transcript
2023 Q4
30 Jan 24
ENVA
Earnings call transcript
2023 Q3
24 Oct 23
ENVA
Earnings call transcript
2023 Q2
25 Jul 23
ENVA
Earnings call transcript
2023 Q1
25 Apr 23
ENVA
Earnings call transcript
2022 Q4
1 Feb 23
ENVA
Earnings call transcript
2022 Q3
28 Oct 22
ENVA
Earnings call transcript
2022 Q2
29 Jul 22
ENVA
Earnings call transcript
2022 Q1
4 May 22
ENVA
Earnings call transcript
2021 Q4
4 Feb 22
ENVA
Earnings call transcript
2021 Q3
29 Oct 21
Latest ownership filings
4
David Fisher
8 Mar 24
144
Notice of proposed sale of securities
7 Mar 24
144
Notice of proposed sale of securities
7 Mar 24
4
David Fisher
6 Mar 24
144
Notice of proposed sale of securities
6 Mar 24
144
Notice of proposed sale of securities
5 Mar 24
144
Notice of proposed sale of securities
4 Mar 24
4
David Fisher
1 Mar 24
144
Notice of proposed sale of securities
1 Mar 24
4
LINDA JOHNSON RICE
29 Feb 24
Financial summary
Quarter (USD) | Sep 23 | Jun 23 | Mar 23 | Dec 22 | |
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Cash on hand | |||||
Change in cash | |||||
Diluted EPS |
Annual (USD) | Dec 22 | Dec 21 | Dec 20 | Dec 19 | |
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Revenue | |||||
Cost of revenue | |||||
Operating income | |||||
Operating margin | |||||
Net income | |||||
Net profit margin | |||||
Cash on hand | |||||
Change in cash | |||||
Diluted EPS |
Cash burn rate (est.) | Burn method: Change in cash | Burn method: Operating income | Burn method: FCF (opex + capex) | Last Q | Avg 4Q | Last Q | Avg 4Q | Last Q | Avg 4Q |
---|---|---|---|---|---|---|
Cash on hand (at last report) | 196.32 mm | 196.32 mm | 196.32 mm | 196.32 mm | 196.32 mm | 196.32 mm |
Cash burn (monthly) | 21.78 mm | (no burn) | (no burn) | (no burn) | (no burn) | (no burn) |
Cash used (since last report) | 130.33 mm | n/a | n/a | n/a | n/a | n/a |
Cash remaining | 65.99 mm | n/a | n/a | n/a | n/a | n/a |
Runway (months of cash) | 3.0 | n/a | n/a | n/a | n/a | n/a |
Institutional ownership, Q3 2023
92.1% owned by funds/institutions
13F holders | Current |
---|---|
Total holders | 229 |
Opened positions | 32 |
Closed positions | 23 |
Increased positions | 64 |
Reduced positions | 89 |
13F shares | Current |
---|---|
Total value | 1.38 tn |
Total shares | 27.51 mm |
Total puts | 78.60 k |
Total calls | 43.10 k |
Total put/call ratio | 1.8 |
Largest owners | Shares | Value |
---|---|---|
BLK Blackrock | 5.89 mm | $299.59 bn |
Dimensional Fund Advisors | 2.16 mm | $109.63 bn |
Vanguard | 2.14 mm | $108.70 bn |
683 Capital Management | 1.20 mm | $61.04 bn |
STT State Street | 1.20 mm | $60.88 bn |
Empyrean Capital Partners | 1.05 mm | $53.52 bn |
Renaissance Technologies | 863.42 k | $43.90 bn |
JPM JPMorgan Chase & Co. | 766.17 k | $38.98 bn |
Wellington Management | 745.79 k | $37.94 bn |
Geode Capital Management | 627.70 k | $31.94 bn |
Recent insider trades
Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
---|---|---|---|---|---|---|---|---|---|---|
7 Mar 24 | Fisher David | NQSO Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 20,000 | 417.00 k | 915,704 |
6 Mar 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 2,000 | 41.70 k | 935,704 |
6 Mar 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 12,000 | 250.20 k | 937,704 |
5 Mar 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 34,000 | 708.90 k | 949,704 |
4 Mar 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 12,500 | 260.63 k | 983,704 |
1 Mar 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 10,788 | 224.93 k | 996,204 |
29 Feb 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 2,720 | 56.71 k | 1,006,992 |
28 Feb 24 | Rice Linda Johnson | Common Stock, par value $0.00001 | Sell | Dispose S | No | No | 62.1157 | 5,000 | 310.58 k | 9,182 |
28 Feb 24 | Fisher David | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 20,000 | 417.00 k | 1,009,712 |
27 Feb 24 | Kirk Chartier | Common stock, par value $0.00001 per share | Option exercise | Dispose M | No | No | 20.85 | 15,000 | 312.75 k | 194,649 |
News
A Look Into Financial Services Sector Value Stocks
1 Feb 24
The Latest Analyst Ratings For Enova International
31 Jan 24
JMP Securities Maintains Market Outperform on Enova International, Raises Price Target to $73
31 Jan 24
BMO Capital Maintains Market Perform on Enova International, Raises Price Target to $59
31 Jan 24
Enova International Q4 Adj EPS $1.83 Beats $1.66 Estimate, Sales $583.59M Miss $586.33M Estimate
30 Jan 24