Intrinsic value of Enova International - ENVA

Previous Close

$23.39

  Intrinsic Value

$168.11

stock screener

  Rating & Target

str. buy

+619%

Previous close

$23.39

 
Intrinsic value

$168.11

 
Up/down potential

+619%

 
Rating

str. buy

Our model is not good at valuating stocks of financial companies, such as ENVA.

We calculate the intrinsic value of ENVA stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 0001), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 0.8

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2
   3
   4
   5
   6
   7
   8
   9
   10
   11
   12
   13
   14
   15
   16
   17
   18
   19
   20
   21
   22
   23
   24
   25
   26
   27
   28
   29
   30
   31

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  33.40
  30.56
  28.00
  25.70
  23.63
  21.77
  20.09
  18.58
  17.23
  16.00
  14.90
  13.91
  13.02
  12.22
  11.50
  10.85
  10.26
  9.74
  9.26
  8.84
  8.45
  8.11
  7.80
  7.52
  7.27
  7.04
  6.83
  6.65
  6.49
  6.34
Revenue, $m
  1,126
  1,470
  1,881
  2,365
  2,923
  3,560
  4,275
  5,069
  5,943
  6,894
  7,921
  9,023
  10,198
  11,444
  12,760
  14,144
  15,595
  17,114
  18,699
  20,351
  22,071
  23,861
  25,721
  27,655
  29,664
  31,752
  33,922
  36,179
  38,525
  40,967
Variable operating expenses, $m
  932
  1,208
  1,539
  1,928
  2,377
  2,889
  3,464
  4,102
  4,804
  5,569
  6,367
  7,253
  8,198
  9,199
  10,257
  11,369
  12,536
  13,757
  15,031
  16,359
  17,742
  19,180
  20,676
  22,230
  23,845
  25,524
  27,268
  29,082
  30,968
  32,931
Fixed operating expenses, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total operating expenses, $m
  932
  1,208
  1,539
  1,928
  2,377
  2,889
  3,464
  4,102
  4,804
  5,569
  6,367
  7,253
  8,198
  9,199
  10,257
  11,369
  12,536
  13,757
  15,031
  16,359
  17,742
  19,180
  20,676
  22,230
  23,845
  25,524
  27,268
  29,082
  30,968
  32,931
Operating income, $m
  194
  261
  342
  437
  546
  671
  811
  967
  1,139
  1,325
  1,554
  1,770
  2,000
  2,245
  2,503
  2,774
  3,059
  3,357
  3,668
  3,992
  4,330
  4,681
  5,045
  5,425
  5,819
  6,228
  6,654
  7,097
  7,557
  8,036
EBITDA, $m
  232
  303
  387
  487
  602
  733
  881
  1,044
  1,224
  1,420
  1,632
  1,859
  2,101
  2,357
  2,628
  2,913
  3,212
  3,525
  3,852
  4,192
  4,546
  4,915
  5,298
  5,696
  6,110
  6,540
  6,987
  7,452
  7,935
  8,438
Interest expense (income), $m
  60
  81
  93
  124
  161
  205
  256
  313
  378
  450
  529
  615
  709
  808
  915
  1,028
  1,147
  1,272
  1,404
  1,542
  1,685
  1,835
  1,991
  2,153
  2,322
  2,497
  2,679
  2,868
  3,065
  3,269
  3,482
Earnings before tax, $m
  112
  168
  218
  275
  341
  415
  498
  589
  688
  796
  938
  1,061
  1,192
  1,330
  1,475
  1,627
  1,787
  1,953
  2,126
  2,307
  2,495
  2,690
  2,892
  3,103
  3,322
  3,550
  3,786
  4,032
  4,288
  4,554
Tax expense, $m
  30
  45
  59
  74
  92
  112
  134
  159
  186
  215
  253
  287
  322
  359
  398
  439
  482
  527
  574
  623
  674
  726
  781
  838
  897
  958
  1,022
  1,089
  1,158
  1,230
Net income, $m
  82
  123
  159
  201
  249
  303
  364
  430
  503
  581
  685
  775
  870
  971
  1,077
  1,188
  1,304
  1,426
  1,552
  1,684
  1,821
  1,963
  2,112
  2,265
  2,425
  2,591
  2,764
  2,943
  3,130
  3,325

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  1,100
  1,436
  1,839
  2,311
  2,858
  3,480
  4,179
  4,956
  5,809
  6,739
  7,743
  8,820
  9,969
  11,187
  12,473
  13,826
  15,245
  16,729
  18,279
  19,894
  21,575
  23,324
  25,143
  27,033
  28,997
  31,038
  33,160
  35,365
  37,659
  40,046
Adjusted assets (=assets-cash), $m
  1,100
  1,436
  1,839
  2,311
  2,858
  3,480
  4,179
  4,956
  5,809
  6,739
  7,743
  8,820
  9,969
  11,187
  12,473
  13,826
  15,245
  16,729
  18,279
  19,894
  21,575
  23,324
  25,143
  27,033
  28,997
  31,038
  33,160
  35,365
  37,659
  40,046
Revenue / Adjusted assets
  1.024
  1.024
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
  1.023
Average production assets, $m
  245
  320
  410
  515
  637
  776
  932
  1,105
  1,296
  1,503
  1,727
  1,967
  2,223
  2,495
  2,782
  3,083
  3,400
  3,731
  4,076
  4,437
  4,812
  5,202
  5,607
  6,029
  6,467
  6,922
  7,395
  7,887
  8,399
  8,931
Working capital, $m
  -29
  -38
  -49
  -61
  -76
  -93
  -111
  -132
  -155
  -179
  -206
  -235
  -265
  -298
  -332
  -368
  -405
  -445
  -486
  -529
  -574
  -620
  -669
  -719
  -771
  -826
  -882
  -941
  -1,002
  -1,065
Total debt, $m
  901
  1,204
  1,566
  1,991
  2,483
  3,043
  3,672
  4,371
  5,139
  5,976
  6,879
  7,849
  8,883
  9,979
  11,136
  12,354
  13,631
  14,967
  16,361
  17,815
  19,329
  20,903
  22,539
  24,241
  26,008
  27,845
  29,754
  31,739
  33,804
  35,952
Total liabilities, $m
  990
  1,293
  1,655
  2,080
  2,572
  3,132
  3,761
  4,460
  5,228
  6,065
  6,969
  7,938
  8,972
  10,068
  11,226
  12,443
  13,720
  15,056
  16,451
  17,904
  19,418
  20,992
  22,629
  24,330
  26,097
  27,934
  29,844
  31,829
  33,893
  36,041
Total equity, $m
  110
  144
  184
  231
  286
  348
  418
  496
  581
  674
  774
  882
  997
  1,119
  1,247
  1,383
  1,524
  1,673
  1,828
  1,989
  2,158
  2,332
  2,514
  2,703
  2,900
  3,104
  3,316
  3,537
  3,766
  4,005
Total liabilities and equity, $m
  1,100
  1,437
  1,839
  2,311
  2,858
  3,480
  4,179
  4,956
  5,809
  6,739
  7,743
  8,820
  9,969
  11,187
  12,473
  13,826
  15,244
  16,729
  18,279
  19,893
  21,576
  23,324
  25,143
  27,033
  28,997
  31,038
  33,160
  35,366
  37,659
  40,046
Debt-to-equity ratio
  8.190
  8.380
  8.510
  8.610
  8.690
  8.740
  8.790
  8.820
  8.850
  8.870
  8.880
  8.900
  8.910
  8.920
  8.930
  8.940
  8.940
  8.950
  8.950
  8.960
  8.960
  8.960
  8.960
  8.970
  8.970
  8.970
  8.970
  8.970
  8.980
  8.980
Adjusted equity ratio
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100
  0.100

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  82
  123
  159
  201
  249
  303
  364
  430
  503
  581
  685
  775
  870
  971
  1,077
  1,188
  1,304
  1,426
  1,552
  1,684
  1,821
  1,963
  2,112
  2,265
  2,425
  2,591
  2,764
  2,943
  3,130
  3,325
Depreciation, amort., depletion, $m
  38
  42
  46
  50
  56
  62
  69
  77
  85
  95
  78
  89
  100
  112
  125
  139
  153
  168
  184
  200
  217
  234
  253
  272
  291
  312
  333
  355
  378
  402
Funds from operations, $m
  120
  164
  205
  251
  305
  365
  433
  507
  588
  676
  763
  863
  970
  1,083
  1,202
  1,327
  1,457
  1,594
  1,736
  1,884
  2,038
  2,198
  2,364
  2,537
  2,716
  2,903
  3,097
  3,299
  3,508
  3,727
Change in working capital, $m
  -7
  -9
  -11
  -13
  -15
  -17
  -19
  -21
  -23
  -25
  -27
  -29
  -31
  -32
  -34
  -36
  -38
  -39
  -41
  -43
  -45
  -47
  -48
  -50
  -52
  -54
  -56
  -59
  -61
  -63
Cash from operations, $m
  128
  173
  215
  264
  319
  382
  451
  528
  611
  701
  789
  892
  1,001
  1,116
  1,236
  1,363
  1,495
  1,633
  1,777
  1,927
  2,083
  2,244
  2,412
  2,587
  2,769
  2,957
  3,153
  3,357
  3,570
  3,790
Maintenance CAPEX, $m
  -8
  -11
  -14
  -18
  -23
  -29
  -35
  -42
  -50
  -58
  -68
  -78
  -89
  -100
  -112
  -125
  -139
  -153
  -168
  -184
  -200
  -217
  -234
  -253
  -272
  -291
  -312
  -333
  -355
  -378
New CAPEX, $m
  -62
  -75
  -90
  -105
  -122
  -139
  -156
  -173
  -190
  -207
  -224
  -240
  -256
  -272
  -287
  -302
  -316
  -331
  -346
  -360
  -375
  -390
  -406
  -422
  -438
  -455
  -473
  -492
  -512
  -532
Cash from investing activities, $m
  -70
  -86
  -104
  -123
  -145
  -168
  -191
  -215
  -240
  -265
  -292
  -318
  -345
  -372
  -399
  -427
  -455
  -484
  -514
  -544
  -575
  -607
  -640
  -675
  -710
  -746
  -785
  -825
  -867
  -910
Free cash flow, $m
  58
  87
  111
  140
  174
  214
  260
  312
  371
  435
  498
  574
  656
  744
  837
  936
  1,040
  1,149
  1,263
  1,383
  1,508
  1,637
  1,773
  1,913
  2,059
  2,211
  2,368
  2,532
  2,703
  2,880
Issuance/(repayment) of debt, $m
  112
  303
  362
  425
  492
  560
  629
  699
  768
  837
  904
  969
  1,034
  1,096
  1,158
  1,218
  1,277
  1,336
  1,395
  1,454
  1,513
  1,574
  1,637
  1,701
  1,768
  1,837
  1,909
  1,985
  2,065
  2,148
Issuance/(repurchase) of shares, $m
  81
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  193
  303
  362
  425
  492
  560
  629
  699
  768
  837
  904
  969
  1,034
  1,096
  1,158
  1,218
  1,277
  1,336
  1,395
  1,454
  1,513
  1,574
  1,637
  1,701
  1,768
  1,837
  1,909
  1,985
  2,065
  2,148
Total cash flow (excl. dividends), $m
  251
  390
  473
  565
  666
  774
  890
  1,011
  1,139
  1,271
  1,402
  1,544
  1,690
  1,840
  1,995
  2,154
  2,317
  2,485
  2,658
  2,837
  3,021
  3,212
  3,409
  3,614
  3,827
  4,048
  4,278
  4,517
  4,767
  5,028
Retained Cash Flow (-), $m
  -163
  -34
  -40
  -47
  -55
  -62
  -70
  -78
  -85
  -93
  -100
  -108
  -115
  -122
  -129
  -135
  -142
  -148
  -155
  -162
  -168
  -175
  -182
  -189
  -196
  -204
  -212
  -221
  -229
  -239
Prev. year cash balance distribution, $m
  335
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash available for distribution, $m
  423
  356
  433
  518
  611
  712
  820
  934
  1,053
  1,179
  1,301
  1,436
  1,575
  1,718
  1,866
  2,018
  2,175
  2,337
  2,503
  2,675
  2,853
  3,037
  3,227
  3,425
  3,630
  3,844
  4,066
  4,297
  4,538
  4,789
Discount rate, %
  4.30
  4.52
  4.74
  4.98
  5.23
  5.49
  5.76
  6.05
  6.35
  6.67
  7.00
  7.35
  7.72
  8.11
  8.51
  8.94
  9.39
  9.86
  10.35
  10.87
  11.41
  11.98
  12.58
  13.21
  13.87
  14.56
  15.29
  16.05
  16.86
  17.70
PV of cash for distribution, $m
  405
  326
  377
  427
  474
  517
  554
  584
  605
  618
  618
  613
  599
  577
  548
  513
  473
  430
  385
  340
  295
  252
  212
  174
  141
  112
  87
  66
  50
  36
Current shareholders' claim on cash, %
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0
  50.0

Enova International, Inc. is a technology and analytics company. The Company provides online financial services. As of December 31, 2016, the Company offered or arranged loans to consumers in 33 states in the United States and in the United Kingdom and Brazil. As of December 31, 2016, it also offered financing to small businesses in all 50 states and Washington D.C. in the United States. The Company provides online financial services to non-prime credit consumers and small businesses in the United States, United Kingdom, and Brazil. Its customers include small businesses, which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. The Company's financing products include short-term loans, line of credit accounts, installment loans and receivables purchase agreements (RPAs).

FINANCIAL RATIOS  of  Enova International (ENVA)

Valuation Ratios
P/E Ratio 22.2
Price to Sales 1
Price to Book 3.2
Price to Tangible Book
Price to Cash Flow 2
Price to Free Cash Flow 2.1
Growth Rates
Sales Growth Rate 14.2%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -56.3%
Cap. Spend. - 3 Yr. Gr. Rate -1.4%
Financial Strength
Quick Ratio 13
Current Ratio 0.4
LT Debt to Equity 268.6%
Total Debt to Equity 269.8%
Interest Coverage 2
Management Effectiveness
Return On Assets 7.9%
Ret/ On Assets - 3 Yr. Avg. 11.6%
Return On Total Capital 4.3%
Ret/ On T. Cap. - 3 Yr. Avg. 9.5%
Return On Equity 15.6%
Return On Equity - 3 Yr. Avg. 36.2%
Asset Turnover 0.8
Profitability Ratios
Gross Margin 56%
Gross Margin - 3 Yr. Avg. 63.3%
EBITDA Margin 17.8%
EBITDA Margin - 3 Yr. Avg. 22.1%
Operating Margin 16.4%
Oper. Margin - 3 Yr. Avg. 20.7%
Pre-Tax Margin 7.6%
Pre-Tax Margin - 3 Yr. Avg. 13.5%
Net Profit Margin 4.7%
Net Profit Margin - 3 Yr. Avg. 8.4%
Effective Tax Rate 38.6%
Eff/ Tax Rate - 3 Yr. Avg. 37.8%
Payout Ratio 0%

ENVA stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the ENVA stock intrinsic value calculation we used $843.741 million for the last fiscal year's total revenue generated by Enova International. The default revenue input number comes from 0001 income statement of Enova International. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our ENVA stock valuation model: a) initial revenue growth rate of 33.4% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 4.3%, whose default value for ENVA is calculated based on our internal credit rating of Enova International, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of Enova International.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of ENVA stock the variable cost ratio is equal to 83.6%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $0 million in the base year in the intrinsic value calculation for ENVA stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 10.3% for Enova International.

Corporate tax rate of 27% is the nominal tax rate for Enova International. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the ENVA stock is equal to 0%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for ENVA are equal to 21.8%.

Life of production assets of 22.2 years is the average useful life of capital assets used in Enova International operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for ENVA is equal to -2.6%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $281.687 million for Enova International - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 34.154 million for Enova International is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of Enova International at the current share price and the inputted number of shares is $0.8 billion.

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COMPANY NEWS

▶ Enova To Present at the Stephens Investment Conference   [Nov-01-18 04:16PM  PR Newswire]
▶ Enova International: 3Q Earnings Snapshot   [Oct-25-18 06:50PM  Associated Press]
▶ Enova Reports Third Quarter 2018 Results   [04:16PM  PR Newswire]
▶ Enova To Announce Third Quarter 2018 Results   [Oct-11-18 04:16PM  PR Newswire]
▶ New Strong Buy Stocks for August 27th   [Aug-27-18 03:05PM  InvestorPlace]
▶ Enova Reports Second Quarter 2018 Results   [Jul-26-18 04:16PM  PR Newswire]
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▶ Enova To Announce Second Quarter 2018 Results   [Jul-12-18 04:16PM  PR Newswire]
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▶ 3 Growth Stocks for Retirement   [May-10-18 10:51AM  InvestorPlace]
▶ Enova International: 1Q Earnings Snapshot   [Apr-26-18 07:48PM  Associated Press]
▶ Enova Reports First Quarter 2018 Results   [04:16PM  PR Newswire]
▶ Enova To Announce First Quarter 2018 Results   [Apr-12-18 04:16PM  PR Newswire]
▶ The Market Screams Risk Off! Are You Prepared?   [Mar-08-18 10:29AM  InvestorPlace]
▶ 6 Stocks with Recent Price Strength to Boost Your Portfolio   [Feb-08-18 01:00PM  InvestorPlace]
▶ Enova International posts 4Q profit   [Feb-01-18 05:57PM  Associated Press]
▶ 5 Stocks to Buy on the Dip   [Jan-30-18 04:14PM  Zacks]
▶ Enova International reports 3Q loss   [Oct-26-17 07:35PM  Associated Press]
▶ Enova To Announce Third Quarter 2017 Results   [Oct-12-17 04:16PM  PR Newswire]
▶ Enova Announces $25 Million Share Repurchase Program   [Sep-15-17 04:16PM  PR Newswire]

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