Enova International Inc
NYSE:ENVA

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Enova International Inc
NYSE:ENVA
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Price: 103.9 USD 0.86% Market Closed
Market Cap: 2.7B USD
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Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Enova International Inc

Revenue
1.4B USD
Operating Expenses
-914.3m USD
Operating Income
527.1m USD
Other Expenses
-346.6m USD
Net Income
180.5m USD

Margins Comparison
Enova International Inc Competitors

Country US
Market Cap 2.7B USD
Operating Margin
37%
Net Margin
13%
Country US
Market Cap 203.1B USD
Operating Margin
17%
Net Margin
14%
Country US
Market Cap 71.3B USD
Operating Margin
0%
Net Margin
11%
Country IN
Market Cap 4.1T INR
Operating Margin
43%
Net Margin
25%
Country US
Market Cap 44.6B USD
Operating Margin
0%
Net Margin
18%
Country US
Market Cap 25.3B USD
Operating Margin
0%
Net Margin
16%
Country KZ
Market Cap 21.6B USD
Operating Margin
0%
Net Margin
56%
Country US
Market Cap 15B USD
Operating Margin
0%
Net Margin
5%
Country IN
Market Cap 1.1T INR
Operating Margin
39%
Net Margin
21%
Country US
Market Cap 11.3B EUR
Operating Margin
52%
Net Margin
40%
Country IN
Market Cap 1T INR
Operating Margin
29%
Net Margin
17%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Enova International Inc Competitors

Country Company Market Cap ROE ROA ROCE ROIC
US
Enova International Inc
NYSE:ENVA
2.7B USD
15%
4%
12%
10%
US
American Express Co
NYSE:AXP
203.1B USD
34%
4%
11%
5%
US
Capital One Financial Corp
NYSE:COF
71.3B USD
7%
1%
0%
0%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.1T INR
21%
4%
9%
5%
US
Discover Financial Services
NYSE:DFS
44.6B USD
20%
2%
0%
0%
US
Synchrony Financial
NYSE:SYF
25.3B USD
21%
3%
0%
0%
KZ
Kaspi.kz AO
NASDAQ:KSPI
21.6B USD
89%
14%
0%
0%
US
SoFi Technologies Inc
NASDAQ:SOFI
15B USD
2%
0%
0%
0%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
16%
3%
7%
5%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
47%
6%
8%
6%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1T INR
22%
3%
5%
3%
Country US
Market Cap 2.7B USD
ROE
15%
ROA
4%
ROCE
12%
ROIC
10%
Country US
Market Cap 203.1B USD
ROE
34%
ROA
4%
ROCE
11%
ROIC
5%
Country US
Market Cap 71.3B USD
ROE
7%
ROA
1%
ROCE
0%
ROIC
0%
Country IN
Market Cap 4.1T INR
ROE
21%
ROA
4%
ROCE
9%
ROIC
5%
Country US
Market Cap 44.6B USD
ROE
20%
ROA
2%
ROCE
0%
ROIC
0%
Country US
Market Cap 25.3B USD
ROE
21%
ROA
3%
ROCE
0%
ROIC
0%
Country KZ
Market Cap 21.6B USD
ROE
89%
ROA
14%
ROCE
0%
ROIC
0%
Country US
Market Cap 15B USD
ROE
2%
ROA
0%
ROCE
0%
ROIC
0%
Country IN
Market Cap 1.1T INR
ROE
16%
ROA
3%
ROCE
7%
ROIC
5%
Country US
Market Cap 11.3B EUR
ROE
47%
ROA
6%
ROCE
8%
ROIC
6%
Country IN
Market Cap 1T INR
ROE
22%
ROA
3%
ROCE
5%
ROIC
3%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

See Also

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