How to buy Enova International stock | 20.99

Enova International, Inc is a credit services business based in the US. Enova International shares (ENVA) are listed on the NYSE and all prices are listed in US Dollars. Enova International employs 1,325 staff and has a trailing 12-month revenue of around USD$831.1 million.

How to buy shares in Enova International

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for Enova International. Find the stock by name or ticker symbol: ENVA. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Enova International reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$20.99, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Enova International, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of Enova International. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

How has coronavirus impacted Enova International's share price?

Since the stock market crash in March caused by coronavirus, Enova International's share price has had significant negative movement.

Its last market close was USD$20.99, which is 4.46% down on its pre-crash value of USD$21.97 and 167.73% up on the lowest point reached during the March crash when the shares fell as low as USD$7.84.

If you had bought USD$1,000 worth of Enova International shares at the start of February 2020, those shares would have been worth USD$499.51 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth USD$1,003.32.

Enova International share price

Use our graph to track the performance of ENVA stocks over time.

Enova International shares at a glance

• Key figures

Information last updated 2020-10-20.

Latest market close	USD$20.99
52-week range	USD$7.84 - USD$29.33
50-day moving average	USD$17.1349
200-day moving average	USD$15.2949
Wall St. target price	USD$28
PE ratio	5.1853
Dividend yield	N/A (0%)
Earnings per share (TTM)	USD$0.907

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Is it a good time to buy Enova International stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Enova International, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Enova International price performance over time

Historical closes compared with the close of $20.99 from 2020-11-16

1 week (2020-11-17)	-2.51%
1 month (2020-10-23)	20.56%
3 months (2020-08-24)	24.87%
6 months (2020-05-22)	66.85%

1 year (2019-11-22)	-6.04%
2 years (2018-11-23)	-4.46%
3 years (2017-11-24)	40.40%
5 years (2015-11-24)	180.61%

Is Enova International under- or over-valued?

Valuing Enova International stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Enova International's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Enova International's P/E ratio

Enova International's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 5x. In other words, Enova International shares trade at around 5x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Enova International financials

Revenue TTM	USD$831.1 million
Operating margin TTM	18.53%
Gross profit TTM	USD$412 million
Return on assets TTM	7.57%
Return on equity TTM	25.42%
Profit margin	3.61%
Book value	$15.82
Market capitalisation	USD$611.6 million

TTM: trailing 12 months

Shorting Enova International shares

There are currently 1.5 million Enova International shares held short by investors – that's known as Enova International's "short interest". This figure is 12.4% down from 1.7 million last month.

There are a few different ways that this level of interest in shorting Enova International shares can be evaluated.

Enova International's "short interest ratio" (SIR)

Enova International's "short interest ratio" (SIR) is the quantity of Enova International shares currently shorted divided by the average quantity of Enova International shares traded daily (recently around 282191.50579151). Enova International's SIR currently stands at 5.18. In other words for every 100,000 Enova International shares traded daily on the market, roughly 5180 shares are currently held short.

However Enova International's short interest can also be evaluated against the total number of Enova International shares, or, against the total number of tradable Enova International shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Enova International's short interest could be expressed as 0.05% of the outstanding shares (for every 100,000 Enova International shares in existence, roughly 50 shares are currently held short) or 0.072% of the tradable shares (for every 100,000 tradable Enova International shares, roughly 72 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against Enova International.

Find out more about how you can short Enova International stock.

Enova International share dividends

We're not expecting Enova International to pay a dividend over the next 12 months.

Enova International share price volatility

Over the last 12 months, Enova International's shares have ranged in value from as little as $7.84 up to $29.33. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Enova International's is 1.7722. This would suggest that Enova International's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

Enova International overview

Enova International, Inc., a technology and analytics company, provides online financial services. The company offers short-term consumer loans; line of credit accounts; installment loans; receivables purchase agreements; CSO programs, including credit-related services, such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs comprising technology, loan servicing, unsecured consumer installment loans, and marketing services to the bank, as well as Enova Decisions, an analytics as a service that enables companies to take decisions about their customers. It offers loans to consumers under the names CashNetUSA and NetCredit in the United States; and Simplic name in Brazil. The company also offers financing to small businesses under the names Headway Capital and The Business Backer in the United States. Enova International, Inc. was founded in 2011 and is headquartered in Chicago, Illinois.

Frequently asked questions

• What percentage of Enova International is owned by insiders or institutions?

  Currently 3.801% of Enova International shares are held by insiders and 100.386% by institutions.

• How many people work for Enova International?

  Latest data suggests 1,325 work at Enova International.

• When does the fiscal year end for Enova International?

  Enova International's fiscal year ends in December.

• Where is Enova International based?

  Enova International's address is: 175 West Jackson Boulevard, Chicago, IL, United States, 60604

• What is Enova International's ISIN number?

  Enova International's international securities identification number is: US29357K1034

• What is Enova International's CUSIP number?

  Enova International's Committee on Uniform Securities Identification Procedures number is: 29357K103