Enova International (ENVA)

├─┬─ 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

1M 3M 6M 1Y

Analyst ratings and price targets

Last 3 months

Average target

$134.50

Low target

$129.00

High target

$138.00

Latest filings (excl ownership)

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18 Feb 25

Enova Reports Fourth Quarter and Full Year 2024 Results

4 Feb 25

8-K

Entry into a Material Definitive Agreement

23 Oct 24

Enova Reports Third Quarter 2024 Results

22 Oct 24

8-K

Entry into a Material Definitive Agreement

15 Oct 24

8-K

Entry into a Material Definitive Agreement

2 Oct 24

8-K

Regulation FD Disclosure

25 Sep 24

8-K

Entry into a Material Definitive Agreement

18 Sep 24

8-K

Regulation FD Disclosure

17 Sep 24

Transcripts

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ENVA

Earnings call transcript

2024 Q4

4 Feb 25

ENVA

Earnings call transcript

2024 Q3

22 Oct 24

ENVA

Earnings call transcript

2024 Q2

23 Jul 24

ENVA

Earnings call transcript

2024 Q1

23 Apr 24

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 Q2

25 Jul 23

ENVA

Earnings call transcript

2023 Q1

25 Apr 23

ENVA

Earnings call transcript

2022 Q4

1 Feb 23

Latest ownership filings

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LINDA JOHNSON RICE

26 Feb 25

144

Notice of proposed sale of securities

Financial summary

Financial statements Chart ENVA financial data

Quarter (USD)	Dec 24	Sep 24	Jun 24	Mar 24
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 24	Dec 23	Dec 22	Dec 21
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)	322.67 mm	322.67 mm	322.67 mm	322.67 mm	322.67 mm	322.67 mm
Cash burn (monthly)	(no burn)	4.56 mm	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	n/a	9.49 mm	n/a	n/a	n/a	n/a
Cash remaining	n/a	313.17 mm	n/a	n/a	n/a	n/a
Runway (months of cash)	n/a	68.6	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q4 2024

ENVA institutional ownership history Ownership history

13F holders	Current	Prev Q	Change
Total holders	292	281	+3.9%
Opened positions	47	52	-9.6%
Closed positions	36	26	+38.5%
Increased positions	88	78	+12.8%
Reduced positions	119	103	+15.5%

13F shares	Current	Prev Q	Change
Total value	2.22 tn	1.99 tn	+11.4%
Total shares	55.40 mm	24.36 mm	+127.4%
Total puts	6.00 k	112.60 k	-94.7%
Total calls	73.80 k	194.10 k	-62.0%
Total put/call ratio	0.1	0.6	-86.0%

Largest owners	Shares	Value	Change
Sparta 24	31.96 mm	$31.96 bn	+9488.0%
BlackRock	4.96 mm	$475.20 bn	+1.1%
Vanguard	2.01 mm	$193.15 bn	-0.6%
Dimensional Fund Advisors	1.56 mm	$149.53 bn	-12.3%
STT State Street	1.04 mm	$100.12 bn	-1.7%
Renaissance Technologies	828.39 k	$79.43 bn	-0.1%
Geode Capital Management	601.12 k	$57.65 bn	-0.6%
Charles Schwab Investment Management	498.15 k	$47.76 bn	+4.0%
JPM JPMorgan Chase & Co.	488.36 k	$46.82 bn	+9.4%
Wellington Management	483.41 k	$46.35 bn	-15.8%

Largest transactions	Shares	Bought/sold	Change
Sparta 24	31.96 mm	+31.63 mm	+9488.0%
Dimensional Fund Advisors	1.56 mm	-217.91 k	-12.3%
UBS UBS	243.09 k	+204.58 k	+531.2%
Arrowstreet Capital, Limited Partnership	312.55 k	+177.69 k	+131.8%
Jane Street	38.73 k	-128.68 k	-76.9%
MS Morgan Stanley	423.04 k	-122.80 k	-22.5%
Harspring Capital Management	302.36 k	-107.64 k	-26.3%
D. E. Shaw & Co.	152.55 k	-100.41 k	-39.7%
Assenagon Asset Management	211.54 k	-98.96 k	-31.9%
Wellington Management	483.41 k	-90.66 k	-15.8%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

ENVA insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
24 Feb 25	Rice Linda Johnson	Common stock, par value $0.00001 per share	Sell	Dispose S	No	No	103.1104	2,532	261.08 k	2,754
9 Feb 25	Cunningham Steven E	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	6,612	759.45 k	141,473
9 Feb 25	Kirk Chartier	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	5,520	634.03 k	107,505
9 Feb 25	James Joseph Lee	Common Stock, par value $0.00001	Payment of exercise	Dispose F	No	No	114.86	393	45.14 k	20,779
9 Feb 25	Fisher David	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	25,326	2.91 mm	348,223
8 Feb 25	Cunningham Steven E	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	2,560	294.04 k	148,085
8 Feb 25	Cunningham Steven E	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	5,210	598.42 k	150,645
8 Feb 25	Kirk Chartier	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	1,791	205.71 k	113,025
8 Feb 25	Kirk Chartier	Common stock, par value $0.00001 per share	Payment of exercise	Dispose F	No	No	114.86	3,099	355.95 k	114,816
8 Feb 25	James Joseph Lee	Common Stock, par value $0.00001	Payment of exercise	Dispose F	No	No	114.86	251	28.83 k	21,172