Enova International (FRA:27E) Scaled Net Operating Assets : 0.91 (As of Mar. 2024)

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What is Enova International Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Enova International's operating assets for the quarter that ended in Mar. 2024 was €4,195 Mil. Enova International's operating liabilities for the quarter that ended in Mar. 2024 was €385 Mil. Enova International's Total Assets for the quarter that ended in Dec. 2023 was €4,205 Mil. Therefore, Enova International's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2024 was 0.91.

Enova International Scaled Net Operating Assets Historical Data

The historical data trend for Enova International's Scaled Net Operating Assets can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Enova International Scaled Net Operating Assets Chart

Enova International Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Scaled Net Operating Assets

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1.05

0.95

1.20

1.31

1.07

Enova International Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Scaled Net Operating Assets	Get a 7-Day Free Trial															0.91	0.89	0.95	0.99	0.91

Competitive Comparison of Enova International's Scaled Net Operating Assets

For the Credit Services subindustry, Enova International's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Enova International's Scaled Net Operating Assets Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Enova International's Scaled Net Operating Assets falls into.

Enova International Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Enova International's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(4155.092	-	343.422)	/	3569.159
=	1.07

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Cash, Cash Equivalents, Marketable Securities
=	4204.937	-	49.845
=	4155.092

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	3067.689	-	2724.267	-	0
=	343.422

Enova International's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Mar. 2024 )
=	(Operating Assets (Q: Mar. 2024 )	-	Operating Liabilities (Q: Mar. 2024 ))	/	Total Assets (Q: Dec. 2023 )
=	(4195.264	-	385.011)	/	4204.937
=	0.91

where

	Operating Assets		(Q: Mar. 2024 )
=	Total Assets	-	Cash, Cash Equivalents, Marketable Securities
=	4265.605	-	70.341
=	4195.264

	Operating Liabilities		(Q: Mar. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	3207.411	-	2822.4	-	0
=	385.011

Enova International Scaled Net Operating Assets Related Terms

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Enova International (FRA:27E) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Enova International Inc (FRA:27E) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

ENVA:USA 27E:Germany

Address

175 West Jackson Boulevard, Suite 1000, Chicago, IL, USA, 60604

Website

https://www.enova.com

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.

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