ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
163.85 USD
-0.46 (-0.28%)
160.28 USD
-3.57 (-2.18%)
Taking everything into account, ENVA scores 7 out of 10 in our fundamental rating. ENVA was compared to 55 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making ENVA a very profitable company, without any liquidiy or solvency issues. ENVA is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! These ratings would make ENVA suitable for growth and quality investing!
1. Profitability
1.1 Basic Checks
ENVA had positive earnings in the past year.
ENVA had a positive operating cash flow in the past year.
Each year in the past 5 years ENVA has been profitable.
Each year in the past 5 years ENVA had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ENVA (4.91%) is better than 70.91% of its industry peers.
Looking at the Return On Equity, with a value of 22.82%, ENVA is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
ENVA's Return On Invested Capital of 9.56% is fine compared to the rest of the industry. ENVA outperforms 74.55% of its industry peers.
ENVA had an Average Return On Invested Capital over the past 3 years of 8.26%. This is below the industry average of 12.59%.
The last Return On Invested Capital (9.56%) for ENVA is above the 3 year average (8.26%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.91% | ||
| ROE | 22.82% | ||
| ROIC | 9.56% |
ROA(3y)4.42%
ROA(5y)8.09%
ROE(3y)16.35%
ROE(5y)22.74%
ROIC(3y)8.26%
ROIC(5y)10.19%
1.3 Margins
ENVA's Profit Margin of 16.83% is fine compared to the rest of the industry. ENVA outperforms 69.09% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
The Operating Margin of ENVA (40.66%) is better than 92.73% of its industry peers.
ENVA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| GM | N/A |
OM growth 3Y-1.77%
OM growth 5Y12.59%
PM growth 3Y-18.26%
PM growth 5Y34.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ENVA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, ENVA has less shares outstanding
ENVA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ENVA has a worse debt to assets ratio.
2.2 Solvency
ENVA has an Altman-Z score of 2.72. This is not the best score and indicates that ENVA is in the grey zone with still only limited risk for bankruptcy at the moment.
With an excellent Altman-Z score value of 2.72, ENVA belongs to the best of the industry, outperforming 87.27% of the companies in the same industry.
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 83.64% 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.
Looking at the Debt to Equity ratio, with a value of 3.20, ENVA is in line with its industry, outperforming 41.82% 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 | 2.72 |
ROIC/WACC0.95
WACC10.08%
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.
ENVA's Current ratio of 21.75 is amongst the best of the industry. ENVA outperforms 96.36% of its industry peers.
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 has a better Quick ratio (21.75) than 96.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 45.00% over the past year.
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.
The Revenue has grown by 20.81% in the past year. This is a very strong growth!
ENVA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.42% yearly.
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
Based on estimates for the next years, ENVA will show a very strong growth in Earnings Per Share. The EPS will grow by 23.67% on average per year.
ENVA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.77% yearly.
EPS Next Y41.52%
EPS Next 2Y26.36%
EPS Next 3Y23.67%
EPS Next 5YN/A
Revenue Next Year18.7%
Revenue Next 2Y17.42%
Revenue Next 3Y17.77%
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
A Price/Earnings ratio of 13.45 indicates a correct valuation of ENVA.
ENVA's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of ENVA to the average of the S&P500 Index (26.38), we can say ENVA is valued slightly cheaper.
The Price/Forward Earnings ratio is 11.18, which indicates a very decent valuation of ENVA.
ENVA's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.83. ENVA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 11.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 67.27% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 78.18% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.38 | ||
| EV/EBITDA | 10.82 |
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 23.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)0.69
EPS Next 2Y26.36%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
163.85
-0.46 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners95.24%
Inst Owner Change-5.03%
Ins Owners4.54%
Ins Owner Change-0.38%
Market Cap4.06B
Revenue(TTM)1.74B
Net Income(TTM)293.00M
Analysts84.29
Price Target143.44 (-12.46%)
Short Float %6.88%
Short Ratio6.39
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)0%
PT rev (3m)7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.37%
EPS NY rev (1m)0%
EPS NY rev (3m)5.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 11.18 | ||
| P/S | 2.33 | ||
| P/FCF | 2.38 | ||
| P/OCF | 2.32 | ||
| P/B | 3.17 | ||
| P/tB | 4.07 | ||
| EV/EBITDA | 10.82 |
EPS(TTM)12.18
EY7.43%
EPS(NY)14.66
Fwd EY8.95%
FCF(TTM)68.79
FCFY41.98%
OCF(TTM)70.6
OCFY43.09%
SpS70.22
BVpS51.73
TBVpS40.29
PEG (NY)0.32
PEG (5Y)0.69
Graham Number119.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.91% | ||
| ROE | 22.82% | ||
| ROCE | 12.4% | ||
| ROIC | 9.56% | ||
| ROICexc | 9.65% | ||
| ROICexgc | 10.16% | ||
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| GM | N/A | ||
| FCFM | 97.97% |
ROA(3y)4.42%
ROA(5y)8.09%
ROE(3y)16.35%
ROE(5y)22.74%
ROIC(3y)8.26%
ROIC(5y)10.19%
ROICexc(3y)8.42%
ROICexc(5y)10.94%
ROICexgc(3y)9.07%
ROICexgc(5y)12.41%
ROCE(3y)10.71%
ROCE(5y)13.21%
ROICexgc growth 3Y-13.53%
ROICexgc growth 5Y-10.3%
ROICexc growth 3Y-11.26%
ROICexc growth 5Y-7.56%
OM growth 3Y-1.77%
OM growth 5Y12.59%
PM growth 3Y-18.26%
PM growth 5Y34.41%
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 | 104.65% | ||
| Cap/Sales | 2.58% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.15% | ||
| Profit Quality | 582.25% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.72 |
F-Score8
WACC10.08%
ROIC/WACC0.95
Cap/Depr(3y)114.69%
Cap/Depr(5y)115.55%
Cap/Sales(3y)3.46%
Cap/Sales(5y)3.52%
Profit Quality(3y)588.99%
Profit Quality(5y)425.56%
High Growth Momentum
Growth
EPS 1Y (TTM)45%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%37.14%
EPS Next Y41.52%
EPS Next 2Y26.36%
EPS Next 3Y23.67%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
Revenue Next Year18.7%
Revenue Next 2Y17.42%
Revenue Next 3Y17.77%
Revenue Next 5YN/A
EBIT growth 1Y34.33%
EBIT growth 3Y12.28%
EBIT growth 5Y18.69%
EBIT Next Year40.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.26%
FCF growth 3Y50.12%
FCF growth 5Y11.83%
OCF growth 1Y56.1%
OCF growth 3Y48.3%
OCF growth 5Y11.94%
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.
Can you provide the valuation status for ENOVA INTERNATIONAL INC?
ChartMill assigns a valuation rating of 6 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Fairly Valued.
How profitable is ENOVA INTERNATIONAL INC (ENVA) stock?
ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 7 / 10.
What is the valuation of ENOVA INTERNATIONAL INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ENOVA INTERNATIONAL INC (ENVA) is 13.45 and the Price/Book (PB) ratio is 3.17.
What is the earnings growth outlook for ENOVA INTERNATIONAL INC?
The Earnings per Share (EPS) of ENOVA INTERNATIONAL INC (ENVA) is expected to grow by 41.52% in the next year.