OverviewSuggest Edit

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.
TypePublic
Founded2004
HQChicago, US
Websiteenova.com
Employee Ratings3.1

Latest Updates

Employees (est.) (Dec 2018)1,218(+10%)
Job Openings32
Revenue (FY, 2018)$1.1 B(+33%)
Share Price (Oct 2019)$20.9 (+3%)

Key People/Management at Enova

David Fisher

David Fisher

CEO
Kirk Chartier

Kirk Chartier

CMO
Steven Cunningham

Steven Cunningham

CFO
Joe Decosmo

Joe Decosmo

CAO
Nick Drew

Nick Drew

Head of UK Operations
John Higginson

John Higginson

CTO
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Enova Office Locations

Enova has offices in Chicago, Deerfield, Nashville and Salisbury
Chicago, US (HQ)
175 W Jackson Blvd #1000
Show all (4)

Enova Financials and Metrics

Enova Revenue

Enova's revenue was reported to be $1.11 b in FY, 2018
USD

Revenue (Q2, 2019)

285.7m

Gross profit (Q2, 2019)

147.4m

Gross profit margin (Q2, 2019), %

51.6%

Net income (Q2, 2019)

25.1m

EBIT (Q2, 2019)

50.3m

Market capitalization (17-Oct-2019)

708.9m

Closing stock price (17-Oct-2019)

20.9

Cash (30-Jun-2019)

65.5m

EV

1.4b
Enova's current market capitalization is $708.9 m.
Annual
USDFY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Revenue

809.8m652.6m745.6m843.7m1.1b

Revenue growth, %

(19%)14%

Cost of goods sold

216.9m328.0m396.6m571.0m

Gross profit

435.7m417.6m447.1m543.1m
Quarterly
Annual
USDFY, 2015FY, 2016FY, 2017FY, 2018

Cash

42.1m39.9m68.7m52.9m

Accounts Receivable

235.4m

PP&E

48.1m47.1m48.5m49.6m

Goodwill

267.0m267.0m267.0m267.0m
Annual
USDFY, 2015FY, 2016FY, 2017FY, 2018

Net Income

44.0m34.6m29.2m70.1m

Depreciation and Amortization

18.4m15.6m14.4m15.2m

Accounts Payable

8.7m8.5m(5.3m)17.8m

Cash From Operating Activities

283.9m393.4m447.2m684.8m
Quarterly
USDQ1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019

Net Income

24.5m35.4m39.8m9.9m18.1m25.9m13.9m25.7m22.4m27.9m46.1m61.4m35.0m60.1m

Depreciation and Amortization

5.3m10.3m14.2m4.0m8.2m12.0m3.5m6.9m10.4m3.8m7.7m11.4m4.2m8.1m

Accounts Payable

(598.0k)5.5m17.1m6.3m12.0m22.1m(1.0m)(12.4m)1.0m(8.1m)(151.0k)5.1m(24.8m)2.6m

Cash From Operating Activities

87.9m134.9m205.5m98.6m180.5m300.7m119.9m186.1m311.3m153.0m295.7m468.2m221.1m414.8m
USDY, 2019

EV/EBIT

28.4 x

EV/CFO

3.4 x

Financial Leverage

3.4 x
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Enova Operating Metrics

Enova's Total Loans was reported to be $2.1b in FY, 2016.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Customer Transactions

4.50 m3.60 m3.80 m

Total Loans

$2.20 b$1.93 b$2.06 b

Transactions to Date

31.90 m32.70 m33.60 m34.50 m35.50 m36.40 m37.30 m38.30 m39.30 m40.20 m41.20 m
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Enova Revenue Breakdown

Embed Graph

Enova revenue breakdown by geographic segment: 83.6% from Domestic and 16.4% from International

Enova Online and Social Media Presence

Embed Graph

Enova News and Updates

Enova To Announce Second Quarter 2019 Results

CHICAGO, July 11, 2019 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology and analytics company offering consumer and small business loans and financing, today announced the company's second quarter 2019 financial results will be released after the market...

Saudi Arabia Facility Management Markets to 2024 Featuring Interserve, Khidmah, EMCOR Group, Saudi Oger., Enova Facility Management, and Rezayat Group

DUBLIN, June 20, 2019 /PRNewswire/ -- The "Saudi Arabia Facility Management Market by Service, by End User, by Mode, by Type: Market Size, Share, Development, Growth, and Demand Forecast, 2014-2024" report has been added to ResearchAndMarkets.com's offering. Saudi Arabian facility...

Enova To Announce First Quarter 2019 Results

CHICAGO, April 11, 2019 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology and analytics company offering consumer and small business loans and financing, today announced the company's first quarter 2019 financial results will be released after the market...

Enova Illumination Introduces Revolutionary New Line of Colorful Loupes - First on The Market

MINNEAPOLIS, Feb. 27, 2019 /PRNewswire/ -- Enova Illumination is excited to announce that its new line of masterfully crafted loupes was released to the public last week and are now available for order. The loupes, made in the United States, are the first on the market to feature colored...

Enova To Present at February Conferences

CHICAGO, Feb. 6, 2019 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology and analytics company offering consumer and small business loans and financing, today announced that David Fisher, Chief Executive Officer, and Steve Cunningham, Chief Financial Officer, ...

Enova Reports Fourth Quarter and Full Year 2018 Results

CHICAGO, Jan. 31, 2019 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial technology and analytics company offering consumer and small business loans and financing, today announced financial results for the quarter and year ended December 31, 2018. "Our fourth quarter...
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Enova Blogs

Get to Know: Ten Chu

Name: Ten Chu  Title: Technology Division Head  Start Date: June 3rd, 2019  What do you enjoy about the work you ... The post Get to Know: Ten Chu appeared first on Enova International, Inc..

Enova Helps Kids Go Back to School

by: Chris Means, Senior Software Engineer As a new member of the Enova team, I was excited to learn about Enova Gives — Enova’s charitable program — during my onboarding process. Enova Gives provides many opportunities for team members to maximize their own charitable contributions and volunteer, ei…

3 Life Lessons I Learned on my Road to Software Engineering

When I left the Air Force, I did not have a computer science education background. It was a long and winding road to becoming a Software Engineer at Enova, but I was able to learn some important life lessons along the way. How did I go from working on a multi-billion-dollar aircraft to working at ..…

CHIWITCON™: From Passion Project to the Biggest Women in Tech Conference in Chicago

By: Ana Lebron, Site Reliability Engineering Manager  In 2016, a small but passionate group of women from Enova’s Women in ... The post CHIWITCON™: From Passion Project to the Biggest Women in Tech Conference in Chicago appeared first on Enova International, Inc..

Enova Sabbatical Series: Barbara Davidson

by: Barbara Davidson, Senior Copywriter I recently celebrated my sixth anniversary at Enova, which prompted me to reflect on my exciting journey so far. When I joined Enova as an entry-level digital marketer, we were a start-up just like any other in Chicago: Multiple teams staffed with people of co…

Opposites Attract: A Three Act Play in Creative Collaboration

Who are we? Donna Claire and Joanna Burgraf have transformed Enova International’s creative department from a service organization to a ... The post Opposites Attract: A Three Act Play in Creative Collaboration appeared first on Enova International, Inc..
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Enova Frequently Asked Questions

  • When was Enova founded?

    Enova was founded in 2004.

  • Who are Enova key executives?

    Enova's key executives are David Fisher, Kirk Chartier and Steven Cunningham.

  • How many employees does Enova have?

    Enova has 1,218 employees.

  • What is Enova revenue?

    Latest Enova annual revenue is $1.1 b.

  • What is Enova revenue per employee?

    Latest Enova revenue per employee is $914.7 k.

  • Who are Enova competitors?

    Competitors of Enova include Oportun, OpenGamma and MoneyPlus.

  • Where is Enova headquarters?

    Enova headquarters is located at 175 W Jackson Blvd #1000, Chicago.

  • Where are Enova offices?

    Enova has offices in Chicago, Deerfield, Nashville and Salisbury.

  • How many offices does Enova have?

    Enova has 4 offices.