{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "73f4aa5e-6436-4603-9d0a-30812c18fa78",
    "symbol": "ENVA",
    "name": "Enova International Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/73f4aa5e-6436-4603-9d0a-30812c18fa78/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "73f4aa5e-6436-4603-9d0a-30812c18fa78",
      "symbol": "ENVA",
      "name": "Enova International Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/73f4aa5e-6436-4603-9d0a-30812c18fa78/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ENVA",
    "market_cap": 4711457280.0,
    "market_cap_usd": 4201068142.72,
    "price": 189.330002,
    "currency": "USD",
    "dividend_yield": 0.0,
    "dividend_years": 0,
    "dividend_growth_5y": null,
    "dividend_cut_5y": false,
    "payout_ratio": 0.0,
    "net_income": 308389000.0,
    "free_cash_flow": 1771981000.0,
    "fcf_covers_dividend": null,
    "debt_to_equity": 3.47005,
    "revenue_growth_5y": 0.23801259,
    "net_margin": 0.20665,
    "roe": 0.25134,
    "pe_ratio": 15.405208,
    "price_vs_ma": 0.23087826,
    "return_3y": 2.64586945,
    "return_5y": 4.44208097,
    "max_drawdown": -0.38835603,
    "scores": {
      "dividend_reliability": 0.0,
      "dividend_sustainability": 14.0,
      "business_quality": 23.5,
      "valuation": 8.0,
      "trend": 13.5,
      "total": 59.0,
      "confidence": 82.0
    },
    "rating": "avoid",
    "rating_label": "Avoid",
    "decision": "insufficient_data",
    "decision_label": "Insufficient Data",
    "warnings": [
      "No usable dividend history found.",
      "Debt to equity is elevated at 3.47."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/73f4aa5e-6436-4603-9d0a-30812c18fa78/",
      "chart": "https://sharemaestro.com/terminal/73f4aa5e-6436-4603-9d0a-30812c18fa78/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 0.0,
    "dividend_sustainability": 14.0,
    "business_quality": 23.5,
    "valuation": 8.0,
    "trend": 13.5,
    "total": 59.0,
    "confidence": 82.0
  },
  "warnings": [
    "No usable dividend history found.",
    "Debt to equity is elevated at 3.47."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "ENVA",
      "exchange": "NYSE",
      "headline": "ENVA dividend review warning",
      "detail": "Debt to equity is elevated at 3.47.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/73f4aa5e-6436-4603-9d0a-30812c18fa78/"
    }
  ]
}