ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
159.9 USD
+2.24 (+1.42%)
159.9 USD
0 (0%)
Taking everything into account, ENVA scores 7 out of 10 in our fundamental rating. ENVA was compared to 53 industry peers in the Consumer Finance industry. ENVA scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ENVA has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! These ratings could make ENVA a good candidate for value and growth and quality investing.
1. Profitability
1.1 Basic Checks
- In the past year ENVA was profitable.
- ENVA had a positive operating cash flow in the past year.
- ENVA had positive earnings in each of the past 5 years.
- In the past 5 years ENVA always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 4.92%, ENVA is doing good in the industry, outperforming 66.04% of the companies in the same industry.
- ENVA has a Return On Equity of 22.86%. This is in the better half of the industry: ENVA outperforms 77.36% of its industry peers.
- ENVA's Return On Invested Capital of 9.57% is fine compared to the rest of the industry. ENVA outperforms 71.70% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ENVA is below the industry average of 12.42%.
- The 3 year average ROIC (8.27%) for ENVA is below the current ROIC(9.57%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.86% | ||
| ROIC | 9.57% |
ROA(3y)4.43%
ROA(5y)8.1%
ROE(3y)16.37%
ROE(5y)22.75%
ROIC(3y)8.27%
ROIC(5y)10.19%
1.3 Margins
- ENVA's Profit Margin of 16.85% is fine compared to the rest of the industry. ENVA outperforms 64.15% of its industry peers.
- In the last couple of years the Profit Margin of ENVA has grown nicely.
- With an excellent Operating Margin value of 40.64%, ENVA belongs to the best of the industry, outperforming 92.45% of the companies in the same industry.
- In the last couple of years the Operating Margin of ENVA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.64% | ||
| PM (TTM) | 16.85% | ||
| GM | N/A |
OM growth 3Y-1.76%
OM growth 5Y12.6%
PM growth 3Y-18.2%
PM growth 5Y34.46%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- ENVA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, ENVA has less shares outstanding
- The number of shares outstanding for ENVA has been reduced compared to 5 years ago.
- ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.69 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
- ENVA has a better Altman-Z score (2.69) than 83.02% of its industry peers.
- The Debt to FCF ratio of ENVA is 2.41, which is a good value as it means it would take ENVA, 2.41 years of fcf income to pay off all of its debts.
- With an excellent Debt to FCF ratio value of 2.41, ENVA belongs to the best of the industry, outperforming 83.02% of the companies in the same industry.
- ENVA has a Debt/Equity ratio of 3.20. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 3.20, ENVA perfoms like the industry average, outperforming 45.28% of the companies in the same industry.
- Although ENVA does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.2 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | 2.69 |
ROIC/WACC1.14
WACC8.42%
2.3 Liquidity
- ENVA has a Current Ratio of 21.75. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Current ratio value of 21.75, ENVA belongs to the best of the industry, outperforming 98.11% of the companies in the same industry.
- ENVA has a Quick Ratio of 21.75. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
- ENVA's Quick ratio of 21.75 is amongst the best of the industry. ENVA outperforms 98.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 |
3. Growth
3.1 Past
- ENVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.00%, which is quite impressive.
- Measured over the past years, ENVA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.61% on average per year.
- ENVA shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.81%.
- Measured over the past years, ENVA shows a small growth in Revenue. The Revenue has been growing by 5.42% on average per year.
EPS 1Y (TTM)45%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%37.14%
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
3.2 Future
- The Earnings Per Share is expected to grow by 25.89% on average over the next years. This is a very strong growth
- ENVA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.21% yearly.
EPS Next Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue Next Year18.59%
Revenue Next 2Y17.49%
Revenue Next 3Y17.21%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- ENVA is valuated correctly with a Price/Earnings ratio of 13.13.
- Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.30, ENVA is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.75, the valuation of ENVA can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
- The average S&P500 Price/Forward Earnings ratio is at 24.04. ENVA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 10.75 |
4.2 Price Multiples
- ENVA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 69.81% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than the industry average as 79.25% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.32 | ||
| EV/EBITDA | 10.61 |
4.3 Compensation for Growth
- ENVA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- ENVA has a very decent profitability rating, which may justify a higher PE ratio.
- ENVA's earnings are expected to grow with 25.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)0.67
EPS Next 2Y27.26%
EPS Next 3Y25.89%
5. Dividend
5.1 Amount
- No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
159.9
+2.24 (+1.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners95.29%
Inst Owner Change0.03%
Ins Owners4.55%
Ins Owner Change-0.38%
Market Cap3.97B
Revenue(TTM)1.74B
Net Income(TTM)293.41M
Analysts84.29
Price Target183.09 (14.5%)
Short Float %7.72%
Short Ratio6.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.5%
Min EPS beat(2)6.14%
Max EPS beat(2)8.86%
EPS beat(4)4
Avg EPS beat(4)8.46%
Min EPS beat(4)5.92%
Max EPS beat(4)12.95%
EPS beat(8)8
Avg EPS beat(8)7.41%
EPS beat(12)11
Avg EPS beat(12)4.13%
EPS beat(16)15
Avg EPS beat(16)6.07%
Revenue beat(2)0
Avg Revenue beat(2)-1.72%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-0.99%
Revenue beat(4)0
Avg Revenue beat(4)-1.47%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)-0.44%
Revenue beat(8)2
Avg Revenue beat(8)-0.7%
Revenue beat(12)4
Avg Revenue beat(12)-7.3%
Revenue beat(16)4
Avg Revenue beat(16)-13.16%
PT rev (1m)27.64%
PT rev (3m)38.21%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)10.23%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)5.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.13 | ||
| Fwd PE | 10.75 | ||
| P/S | 2.28 | ||
| P/FCF | 2.32 | ||
| P/OCF | 2.26 | ||
| P/B | 3.09 | ||
| P/tB | 3.97 | ||
| EV/EBITDA | 10.61 |
EPS(TTM)12.18
EY7.62%
EPS(NY)14.87
Fwd EY9.3%
FCF(TTM)68.78
FCFY43.02%
OCF(TTM)70.62
OCFY44.16%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.32
PEG (5Y)0.67
Graham Number119.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.86% | ||
| ROCE | 12.4% | ||
| ROIC | 9.57% | ||
| ROICexc | 9.66% | ||
| ROICexgc | 10.17% | ||
| OM | 40.64% | ||
| PM (TTM) | 16.85% | ||
| GM | N/A | ||
| FCFM | 97.96% |
ROA(3y)4.43%
ROA(5y)8.1%
ROE(3y)16.37%
ROE(5y)22.75%
ROIC(3y)8.27%
ROIC(5y)10.19%
ROICexc(3y)8.42%
ROICexc(5y)10.94%
ROICexgc(3y)9.08%
ROICexgc(5y)12.42%
ROCE(3y)10.71%
ROCE(5y)13.21%
ROICexgc growth 3Y-13.52%
ROICexgc growth 5Y-10.29%
ROICexc growth 3Y-11.26%
ROICexc growth 5Y-7.56%
OM growth 3Y-1.76%
OM growth 5Y12.6%
PM growth 3Y-18.2%
PM growth 5Y34.46%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.2 | ||
| Debt/FCF | 2.41 | ||
| Debt/EBITDA | 5.47 | ||
| Cap/Depr | 106.26% | ||
| Cap/Sales | 2.61% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.34% | ||
| Profit Quality | 581.4% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.69 |
F-Score8
WACC8.42%
ROIC/WACC1.14
Cap/Depr(3y)114.91%
Cap/Depr(5y)115.67%
Cap/Sales(3y)3.47%
Cap/Sales(5y)3.53%
Profit Quality(3y)588.12%
Profit Quality(5y)425.04%
High Growth Momentum
Growth
EPS 1Y (TTM)45%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%37.14%
EPS Next Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
Revenue Next Year18.59%
Revenue Next 2Y17.49%
Revenue Next 3Y17.21%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year41.04%
EBIT Next 3Y21.68%
EBIT Next 5YN/A
FCF growth 1Y58.24%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y56.13%
OCF growth 3Y48.28%
OCF growth 5Y11.93%
ENOVA INTERNATIONAL INC / ENVA FAQ
Can you provide the ChartMill fundamental rating for ENOVA INTERNATIONAL INC?
ChartMill assigns a fundamental rating of 7 / 10 to ENVA.
What is the valuation status for ENVA stock?
ChartMill assigns a valuation rating of 7 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Undervalued.
What is the profitability of ENVA stock?
ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 7 / 10.
How financially healthy is ENOVA INTERNATIONAL INC?
The financial health rating of ENOVA INTERNATIONAL INC (ENVA) is 8 / 10.
Can you provide the expected EPS growth for ENVA stock?
The Earnings per Share (EPS) of ENOVA INTERNATIONAL INC (ENVA) is expected to grow by 41.47% in the next year.