Enova International - Kreditvergabe mit Value

Hallo, es gibt noch keinen Thread zu der Aktie? Dann gehts jetzt los.

Bin mit einer mittleren Position eingestiegen. Warum? Die Bilanz hat einen hohen EK Anteil für eine Firma, die Kredite vergibt. Der FCF ist der Wahnsinn, usw.

Was macht Enova?
We are a leading technology and analytics company focused on providing online financial services. In 2020, we extended approximately $1.2 billion in credit or financing to
borrowers. As of December 31, 2020, we offered or arranged loans or draws on lines of credit to consumers in 39 states in the United States and Brazil. We also offered financing to
small businesses in all 50 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate,
underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it. Our customers include the large
and growing number of consumers and 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. We were an early entrant into online lending, launching our online business in 2004, and through December 31, 2020, we have
completed over 53.2 million customer transactions and collected approximately 49 terabytes of currently accessible consumer behavior data, allowing us to better analyze and
underwrite our specific customer base. We have significantly diversified our business over the past several years having expanded the markets we serve and the financing products
we offer. These financing products include short-term loans, line of credit accounts, installment loans and receivables purchase agreements (“RPAs”).

Ein paar Kennzahlen aus dem 2020 Jahresbericht ($):
Eigenkapital: 0,9 Mrd.
Fremdkapital: 1,2 Mrd.
Umsatz: 1,1 Mrd.
Gewinn: 0,38 Mrd.
operativer Cash Flow: 0,74 Mrd.
Free Cash Flow (je nach Rechenmethode): ebenfalls 0,74 Mrd.

 

Vier spannende Value Aktien für den März 2021:
https://youtu.be/br5KviNOQKM

Es ist die Nr. 3 ;)