Enova is a multinational company based in the U.S. that uses technology to develop innovative financial products and services for individuals and businesses. It has unique technology, analytics and customer service capabilities that let rapidly evaluate new data sources to offer consumers and small businesses the right amount of credit or financing when and how they want it.
Enova Decisions is an analytics service that helps companies make instant data-driven decisions at scale, allowing them to acquire better customers, improve operations and retain the most profitable customers.

Company Growth (employees)
Chicago, US
Size (employees)
1,099 (est)
Enova was founded in 2004 and is headquartered in Chicago, US

Key People/Management at Enova

David Fisher

David Fisher

Steven Cunningham

Steven Cunningham

John Higginson

John Higginson

Greg Zeeman

Greg Zeeman

Kirk Chartier

Kirk Chartier

Lisa Young

Lisa Young

General Counsel
Joe DeCosmo

Joe DeCosmo

Nick Drew

Nick Drew

Head of UK Operations
Sean Rahilly

Sean Rahilly


Enova Office Locations

Enova has offices in Chicago, Deerfield, Nashville and Salisbury
Chicago, US (HQ)
175 W Jackson Blvd
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Enova Financials and Metrics

Enova Financials

Enova's revenue was reported to be $745.6 m in FY, 2016

Revenue (Q1, 2017)

192.3 m

Gross profit (Q1, 2017)

110.4 m

Gross profit margin (Q1, 2017), %


Net income (Q1, 2017)

13.9 m

EBIT (Q1, 2017)

38.1 m

Market capitalization (16-Feb-2018)

772.7 m

Cash (31-Mar-2017)

97 m
Enova's current market capitalization is $772.7 m.
USDFY, 2014FY, 2015FY, 2016


809.8 m652.6 m745.6 m

Revenue growth, %


Net Income

111.7 m44 m34.6 m
USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017


146.3 m165.2 m174.7 m172.5 m195.9 m192.3 m

Cost of goods sold

41.5 m65.6 m69.6 m65.5 m95.4 m81.9 m

Gross profit

104.7 m99.6 m105.1 m107.1 m100.6 m110.4 m

Gross profit Margin, %

USDFY, 2016


39.9 m

Accounts Receivable

235.4 m


47.1 m


267 m
USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017


143.4 m96.2 m34.3 m112.2 m39.2 m45.7 m97 m


40.3 m50.5 m48.8 m45.7 m47.2 m47.5 m44.3 m


255.9 m270.2 m271.6 m267 m267 m267 m267 m

Total Assets

782.6 m803.6 m820.2 m915.2 m910.9 m975.1 m985.4 m
USDFY, 2016

Net Income

34.6 m

Depreciation and Amortization

15.6 m

Accounts Payable

8.5 m

Cash From Operating Activities

393.4 m
USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

24.5 m35.4 m39.8 m9.9 m18.1 m25.9 m13.9 m

Depreciation and Amortization

5.3 m10.3 m14.2 m4 m8.2 m12 m3.5 m

Accounts Payable

(598 k)5.5 m17.1 m6.3 m12 m22.1 m(1 m)

Cash From Operating Activities

87.9 m134.9 m205.5 m98.6 m180.5 m300.7 m119.9 m
USDY, 2017


174.9 k

Financial Leverage

3.8 x
Show all financial metrics

Enova Operating Metrics

Enova's Total Loans was reported to be $2.1 b in FY, 2016, which is a 6% increase from the previous period
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Customer Transactions

4.5 m3.6 m3.8 m

Transactions to Date

31.9 m32.7 m33.6 m34.5 m35.5 m36.4 m37.3 m38.3 m39.3 m40.2 m41.2 m

Total Loans

$2.2 b$1.93 b$2.06 b
Show all operating metrics

Enova Market Value History

Enova Revenue Breakdown

Enova Median Salaries

Source: 145 public H-1B filings from Enova

Enova's Web-traffic and Trends

Enova Online and Social Media Presence

Enova News and Updates

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GUEST: Illinois is the second largest producer of computer science graduates in the country. In fact, in 2016, Illinois produced a record 40,400 STEM degrees. Yet research collected by the Illinois Science and Technology Coalition shows Illinois still has room to grow. Specifically, while Illinois r…

Democrats May Deny It, But This Bill Is A Handout To Payday Lenders

Gwen Moore is pushing legislation to undermine state consumer protection laws.

Enova Company Life and Culture

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