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)
Type
Public
HQ
Chicago, US
Founded
2004
Size (employees)
1,099 (est)
Website
enova.com
Enova was founded in 2004 and is headquartered in Chicago, US

Key People at Enova

David Fisher

David Fisher

CEO
Steven Cunningham

Steven Cunningham

CFO
John Higginson

John Higginson

CTO
Greg Zeeman

Greg Zeeman

COO
Kirk Chartier

Kirk Chartier

CMO
Lisa Young

Lisa Young

General Counsel
Sean Rahilly

Sean Rahilly

CCO
Nick Drew

Nick Drew

Head of UK Operations
Sarah Doll

Sarah Doll

VP People and Talent
Joe Decosmo

Joe Decosmo

CAO

Enova Office Locations

Enova has an office in Chicago
Chicago, US (HQ)
175 W Jackson Blvd

Enova Data and Metrics

Enova Financial Metrics

Enova's revenue was reported to be $192.3 m in Q1, 2017
USD

Revenue (Q1, 2017)

192.3 m

Gross profit (Q1, 2017)

110.4 m

Gross profit margin (Q1, 2017), %

57%

Net income (Q1, 2017)

13.9 m

EBIT (Q1, 2017)

38.1 m

Market capitalization (15-Aug-2017)

430 m

Cash (31-Mar-2017)

97 m
Enova's current market capitalization is $430 m.
USDFY, 2014FY, 2015FY, 2016

Revenue

809.8 m652.6 m745.6 m

Revenue growth, %

(19%)14%

Net Income

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

Revenue

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, %

72%60%60%62%51%57%

Sales and marketing expense

24.7 m35.6 m21.2 m25.6 m26.7 m19.6 m

General and administrative expense

27.1 m22.6 m27.9 m27.5 m21.3 m25.7 m

Operating expense total

51.8 m58.2 m49.1 m53.1 m48 m45.3 m

EBIT

30.4 m18.9 m31.8 m28.8 m28.1 m38.1 m

EBIT margin, %

21%11%18%17%14%20%

Interest expense

(12.9 m)(13.3 m)(15.9 m)(16 m)(16.1 m)(17.2 m)

Pre tax profit

17.4 m5.4 m17.5 m13.3 m12.1 m21.1 m

Income tax expense

6.6 m1 m7.6 m5.1 m4.3 m7.2 m

Net Income

24.5 m35.4 m39.8 m9.9 m18.1 m25.9 m13.9 m
USDFY, 2016

Cash

39.9 m

Accounts Receivable

235.4 m

PP&E

47.1 m

Goodwill

267 m

Total Assets

977.9 m

Accounts Payable

71.7 m

Total Debt

649.9 m

Total Liabilities

736.2 m

Additional Paid-in Capital

18.4 m

Retained Earnings

235.5 m

Total Equity

241.7 m

Debt to Equity Ratio

2.7 x

Debt to Assets Ratio

0.7 x

Financial Leverage

4 x
USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

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

PP&E

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

Goodwill

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

Accounts Payable

54.2 m70.7 m79.1 m74.3 m75.2 m85.4 m70.5 m

Additional Paid-in Capital

2 m4.2 m6.8 m11.9 m14.1 m16.3 m20.8 m

Retained Earnings

181.4 m192.3 m196.7 m210.7 m218.9 m226.7 m249.3 m

Total Equity

177.8 m195.1 m199.3 m217.6 m224.3 m233.1 m258.5 m

Financial Leverage

4.4 x4.1 x4.1 x4.2 x4.1 x4.2 x3.8 x
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

Purchases of PP&E

(14.4 m)

Cash From Investing Activities

(484.6 m)

Cash From Financing Activities

99.9 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

Purchases of PP&E

(11.6 m)(26.5 m)(28.7 m)(2.2 m)(7.6 m)(11.5 m)(2.2 m)

Cash From Investing Activities

(16.4 m)(116.7 m)(245.1 m)(81.6 m)(225.7 m)(379.6 m)(44.8 m)

Cash From Financing Activities

(53.2 m)(78.8 m)(78.7 m)52.2 m45.1 m89.9 m(20.5 m)
USDY, 2017

Revenue/Employee

174.9 k

Financial Leverage

3.8 x

Enova Operating Metrics

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 Issued

$2.2 b$1.93 b$2.06 b

    Enova Market Value History

    Enova Revenue Breakdown

    Enova Median Salaries

    Source: 145 public H-1B filings from Enova

    Traffic Overview of Enova

    Enova Online and Social Media Presence

    Enova News and Updates

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    Enova Company Life and Culture

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