ENOVA INTERNATIONAL INC (ENVA) Fundamental Analysis & Valuation

NYSE:ENVA • US29357K1034

139.09 USD
+0.18 (+0.13%)
At close: Mar 10, 2026
139.09 USD
0 (0%)
After Hours: 3/10/2026, 7:15:25 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This ENVA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ENVA. ENVA was compared to 54 industry peers in the Consumer Finance industry. ENVA is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. ENVA is growing strongly while it also seems undervalued. This is an interesting combination These ratings would make ENVA suitable for value and growth investing!


Dividend Valuation Growth Profitability Health

6

1. ENVA Profitability Analysis

1.1 Basic Checks

  • ENVA had positive earnings in the past year.
  • In the past year ENVA had a positive cash flow from operations.
  • 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.
ENVA Yearly Net Income VS EBIT VS OCF VS FCFENVA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • ENVA's Return On Assets of 4.77% is fine compared to the rest of the industry. ENVA outperforms 62.96% of its industry peers.
  • The Return On Equity of ENVA (23.07%) is better than 75.93% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 9.25%, ENVA is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
  • ENVA had an Average Return On Invested Capital over the past 3 years of 8.59%. This is below the industry average of 12.42%.
  • The last Return On Invested Capital (9.25%) for ENVA is above the 3 year average (8.59%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.77%
ROE 23.07%
ROIC 9.25%
ROA(3y)4.19%
ROA(5y)5.47%
ROE(3y)18.23%
ROE(5y)19.12%
ROIC(3y)8.59%
ROIC(5y)9.25%
ENVA Yearly ROA, ROE, ROICENVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.85%, ENVA is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • ENVA's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 40.40%, ENVA belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
  • ENVA's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 40.4%
PM (TTM) 16.85%
GM N/A
OM growth 3Y5.55%
OM growth 5Y-5.03%
PM growth 3Y-3.17%
PM growth 5Y-21.13%
GM growth 3YN/A
GM growth 5YN/A
ENVA Yearly Profit, Operating, Gross MarginsENVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. ENVA Health Analysis

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.
  • The number of shares outstanding for ENVA has been reduced compared to 1 year ago.
  • Compared to 5 years ago, ENVA has less shares outstanding
  • The debt/assets ratio for ENVA is higher compared to a year ago.
ENVA Yearly Shares OutstandingENVA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
ENVA Yearly Total Debt VS Total AssetsENVA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • An Altman-Z score of 2.56 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.56, ENVA belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • ENVA has a debt to FCF ratio of 2.54. This is a good value and a sign of high solvency as ENVA would need 2.54 years to pay back of all of its debts.
  • The Debt to FCF ratio of ENVA (2.54) is better than 79.63% of its industry peers.
  • A Debt/Equity ratio of 3.37 is on the high side and indicates that ENVA has dependencies on debt financing.
  • The Debt to Equity ratio of ENVA (3.37) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Altman-Z 2.56
ROIC/WACC1.14
WACC8.08%
ENVA Yearly LT Debt VS Equity VS FCFENVA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 19.62 indicates that ENVA has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 19.62, ENVA belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
  • A Quick Ratio of 19.62 indicates that ENVA has no problem at all paying its short term obligations.
  • ENVA has a better Quick ratio (19.62) than 96.30% of its industry peers.
Industry RankSector Rank
Current Ratio 19.62
Quick Ratio 19.62
ENVA Yearly Current Assets VS Current LiabilitesENVA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. ENVA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.94% over the past year.
  • The Earnings Per Share has been growing by 12.29% on average over the past years. This is quite good.
  • ENVA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.67%.
  • The Revenue has been growing by 21.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
Revenue 1Y (TTM)19.67%
Revenue growth 3Y17.87%
Revenue growth 5Y21.75%
Sales Q2Q%15.06%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.46% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 19.95% on average over the next years. This is quite good.
EPS Next Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue Next Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
ENVA Yearly Revenue VS EstimatesENVA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
ENVA Yearly EPS VS EstimatesENVA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20 25

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Find the best growth stocksShow best growing peers

7

4. ENVA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.67, the valuation of ENVA can be described as very reasonable.
  • ENVA's Price/Earnings is on the same level as the industry average.
  • ENVA is valuated cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 8.65 indicates a reasonable valuation of ENVA.
  • The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
  • When comparing the Price/Forward Earnings ratio of ENVA to the average of the S&P500 Index (24.39), we can say ENVA is valued rather cheaply.
Industry RankSector Rank
PE 10.67
Fwd PE 8.65
ENVA Price Earnings VS Forward Price EarningsENVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 66.67% of the companies in the same industry are more expensive than ENVA, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.96
EV/EBITDA 10.11
ENVA Per share dataENVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The 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 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)0.87
EPS Next 2Y21.21%
EPS Next 3Y24.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ENVA Dividend Analysis

5.1 Amount

  • ENVA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ENVA Fundamentals: All Metrics, Ratios and Statistics

ENOVA INTERNATIONAL INC

NYSE:ENVA (3/10/2026, 7:15:25 PM)

After market: 139.09 0 (0%)

139.09

+0.18 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners95.15%
Inst Owner Change4.95%
Ins Owners4.44%
Ins Owner Change-1.07%
Market Cap3.48B
Revenue(TTM)1.83B
Net Income(TTM)308.39M
Analysts86.15
Price Target197.59 (42.06%)
Short Float %7.89%
Short Ratio5.62
Dividend
Industry RankSector 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)7.95%
Min EPS beat(2)7.05%
Max EPS beat(2)8.86%
EPS beat(4)4
Avg EPS beat(4)6.99%
Min EPS beat(4)5.92%
Max EPS beat(4)8.86%
EPS beat(8)8
Avg EPS beat(8)7.31%
EPS beat(12)11
Avg EPS beat(12)4.63%
EPS beat(16)15
Avg EPS beat(16)4.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.16%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-1.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.44%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)-0.44%
Revenue beat(8)2
Avg Revenue beat(8)-0.63%
Revenue beat(12)4
Avg Revenue beat(12)-4%
Revenue beat(16)4
Avg Revenue beat(16)-11.97%
PT rev (1m)0%
PT rev (3m)37.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.64%
EPS NY rev (1m)0%
EPS NY rev (3m)9.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.32%
Valuation
Industry RankSector Rank
PE 10.67
Fwd PE 8.65
P/S 1.9
P/FCF 1.96
P/OCF 1.91
P/B 2.6
P/tB 3.3
EV/EBITDA 10.11
EPS(TTM)13.03
EY9.37%
EPS(NY)16.08
Fwd EY11.56%
FCF(TTM)70.85
FCFY50.94%
OCF(TTM)72.74
OCFY52.29%
SpS73.18
BVpS53.45
TBVpS42.13
PEG (NY)0.46
PEG (5Y)0.87
Graham Number125.18
Profitability
Industry RankSector Rank
ROA 4.77%
ROE 23.07%
ROCE 12%
ROIC 9.25%
ROICexc 9.36%
ROICexgc 9.81%
OM 40.4%
PM (TTM) 16.85%
GM N/A
FCFM 96.82%
ROA(3y)4.19%
ROA(5y)5.47%
ROE(3y)18.23%
ROE(5y)19.12%
ROIC(3y)8.59%
ROIC(5y)9.25%
ROICexc(3y)8.7%
ROICexc(5y)9.53%
ROICexgc(3y)9.23%
ROICexgc(5y)10.4%
ROCE(3y)11.14%
ROCE(5y)12%
ROICexgc growth 3Y1.73%
ROICexgc growth 5Y-13.13%
ROICexc growth 3Y3.26%
ROICexc growth 5Y-10.59%
OM growth 3Y5.55%
OM growth 5Y-5.03%
PM growth 3Y-3.17%
PM growth 5Y-21.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Debt/EBITDA 5.76
Cap/Depr 112.69%
Cap/Sales 2.58%
Interest Coverage 2.3
Cash Conversion 232.84%
Profit Quality 574.59%
Current Ratio 19.62
Quick Ratio 19.62
Altman-Z 2.56
F-Score7
WACC8.08%
ROIC/WACC1.14
Cap/Depr(3y)113.08%
Cap/Depr(5y)108.26%
Cap/Sales(3y)3.03%
Cap/Sales(5y)3.18%
Profit Quality(3y)642.98%
Profit Quality(5y)502.3%
High Growth Momentum
Growth
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
EPS Next Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue 1Y (TTM)19.67%
Revenue growth 3Y17.87%
Revenue growth 5Y21.75%
Sales Q2Q%15.06%
Revenue Next Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y26.5%
EBIT growth 3Y24.41%
EBIT growth 5Y15.63%
EBIT Next Year28.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.51%
FCF growth 3Y27.73%
FCF growth 5Y20.02%
OCF growth 1Y18.23%
OCF growth 3Y26.72%
OCF growth 5Y19.68%

ENOVA INTERNATIONAL INC / ENVA FAQ

Can you provide the ChartMill fundamental rating for ENOVA INTERNATIONAL INC?

ChartMill assigns a fundamental rating of 6 / 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 6 / 10.


How financially healthy is ENOVA INTERNATIONAL INC?

The financial health rating of ENOVA INTERNATIONAL INC (ENVA) is 7 / 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 23.43% in the next year.