ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
131.6 USD
+1.41 (+1.08%)
Overall ENVA gets a fundamental rating of 7 out of 10. We evaluated ENVA against 55 industry peers in the Consumer Finance industry. ENVA gets an excellent profitability rating and is at the same time showing great financial health properties. ENVA is growing strongly while it also seems undervalued. This is an interesting 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.
In the past year ENVA had a positive cash flow from operations.
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
ENVA has a Return On Assets of 4.92%. This is in the better half of the industry: ENVA outperforms 70.91% of its industry peers.
ENVA's Return On Equity of 22.83% is fine compared to the rest of the industry. ENVA outperforms 80.00% of its industry peers.
ENVA has a Return On Invested Capital of 9.57%. This is in the better half of the industry: ENVA outperforms 76.36% of its industry peers.
ENVA had an Average Return On Invested Capital over the past 3 years of 8.27%. This is below the industry average of 11.33%.
The last Return On Invested Capital (9.57%) for ENVA is above the 3 year average (8.27%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.83% | ||
| 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
Looking at the Profit Margin, with a value of 16.83%, ENVA is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
ENVA's Profit Margin has improved in the last couple of years.
ENVA has a Operating Margin of 40.66%. This is amongst the best in the industry. ENVA outperforms 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-1.76%
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ENVA is destroying value.
Compared to 1 year ago, ENVA has less shares outstanding
Compared to 5 years ago, ENVA has less shares outstanding
Compared to 1 year ago, ENVA has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.61 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA's Altman-Z score of 2.61 is amongst the best of the industry. ENVA outperforms 83.64% 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.
ENVA's Debt to FCF ratio of 2.41 is amongst the best of the industry. ENVA outperforms 81.82% of its industry peers.
A Debt/Equity ratio of 3.20 is on the high side and indicates that ENVA has dependencies on debt 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 | 2.61 |
ROIC/WACC0.93
WACC10.34%
2.3 Liquidity
A Current Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
With an excellent Current ratio value of 21.75, ENVA belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
A Quick Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
ENVA has a Quick ratio of 21.75. This is amongst the best in the industry. ENVA outperforms 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
ENVA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.67% yearly.
The Revenue is expected to grow by 17.77% on average over the next years. This is quite good.
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
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.
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
With a Price/Earnings ratio of 10.80, the valuation of ENVA can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
The average S&P500 Price/Earnings ratio is at 26.11. ENVA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.98, which indicates a very decent valuation of ENVA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ENVA is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.21, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 8.98 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than 74.55% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ENVA is valued cheaper than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.91 | ||
| EV/EBITDA | 9.7 |
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 23.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)0.55
EPS Next 2Y26.36%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:ENVA (12/2/2025, 11:03:34 AM)
131.6
+1.41 (+1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners99.19%
Inst Owner Change-5.03%
Ins Owners4.51%
Ins Owner Change-0.38%
Market Cap3.26B
Revenue(TTM)1.74B
Net Income(TTM)293.10M
Analysts84.29
Price Target143.44 (9%)
Short Float %6.85%
Short Ratio6.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)1.85%
EPS NQ rev (3m)10.37%
EPS NY rev (1m)5.21%
EPS NY rev (3m)5.15%
Revenue NQ rev (1m)-1.13%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)-0.77%
Revenue NY rev (3m)-0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 8.98 | ||
| P/S | 1.87 | ||
| P/FCF | 1.91 | ||
| P/OCF | 1.86 | ||
| P/B | 2.54 | ||
| P/tB | 3.27 | ||
| EV/EBITDA | 9.7 |
EPS(TTM)12.18
EY9.26%
EPS(NY)14.66
Fwd EY11.14%
FCF(TTM)68.76
FCFY52.25%
OCF(TTM)70.6
OCFY53.65%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.26
PEG (5Y)0.55
Graham Number119.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.83% | ||
| ROCE | 12.4% | ||
| ROIC | 9.57% | ||
| ROICexc | 9.66% | ||
| ROICexgc | 10.17% | ||
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| GM | N/A | ||
| FCFM | 97.92% |
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 | 106.19% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.15% | ||
| Profit Quality | 581.78% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.61 |
F-Score8
WACC10.34%
ROIC/WACC0.93
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 Y41.52%
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 1Y34.32%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year35.4%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.18%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y56.09%
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.
Can you provide the valuation status for ENOVA INTERNATIONAL INC?
ChartMill assigns a valuation rating of 8 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Undervalued.
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 10.8 and the Price/Book (PB) ratio is 2.54.
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.