ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - NYSE:ENVA - US29357K1034 - Common Stock
124.86 USD
+2 (+1.63%)
124.86 USD
0 (0%)
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. An interesting combination arises when we look at growth and value: ENVA is growing strongly while it also seems undervalued. With these ratings, ENVA could be worth investigating further 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
With a decent Return On Assets value of 4.48%, ENVA is doing good in the industry, outperforming 70.91% of the companies in the same industry.
ENVA's Return On Equity of 20.85% is fine compared to the rest of the industry. ENVA outperforms 80.00% of its industry peers.
ENVA's Return On Invested Capital of 9.38% is fine compared to the rest of the industry. ENVA outperforms 78.18% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ENVA is below the industry average of 11.72%.
The last Return On Invested Capital (9.38%) for ENVA is above the 3 year average (8.27%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.48% | ||
| ROE | 20.85% | ||
| ROIC | 9.38% |
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 15.24% is fine compared to the rest of the industry. ENVA outperforms 63.64% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
ENVA has a Operating Margin of 39.55%. This is amongst the best in the industry. ENVA outperforms 92.73% of its industry peers.
In the last couple of years the Operating Margin of ENVA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.55% | ||
| PM (TTM) | 15.24% | ||
| 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.
The number of shares outstanding for ENVA has been reduced compared to 1 year ago.
The number of shares outstanding for ENVA has been reduced compared to 5 years ago.
The debt/assets ratio for ENVA is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.59 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA's Altman-Z score of 2.59 is amongst the best of the industry. ENVA outperforms 81.82% of its industry peers.
ENVA has a debt to FCF ratio of 2.44. This is a good value and a sign of high solvency as ENVA would need 2.44 years to pay back of all of its debts.
ENVA has a better Debt to FCF ratio (2.44) than 81.82% of its industry peers.
ENVA has a Debt/Equity ratio of 3.23. This is a high value indicating a heavy dependency on external financing.
ENVA's Debt to Equity ratio of 3.23 is in line compared to the rest of the industry. ENVA outperforms 41.82% of its industry peers.
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 | 3.23 | ||
| Debt/FCF | 2.44 | ||
| Altman-Z | 2.59 |
ROIC/WACC0.87
WACC10.83%
2.3 Liquidity
A Current Ratio of 20.45 indicates that ENVA has no problem at all paying its short term obligations.
ENVA has a Current ratio of 20.45. This is amongst the best in the industry. ENVA outperforms 96.36% of its industry peers.
ENVA has a Quick Ratio of 20.45. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of ENVA (20.45) is better than 96.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 20.45 | ||
| Quick Ratio | 20.45 |
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.
The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
ENVA shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.81%.
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 23.60% yearly.
Based on estimates for the next years, ENVA will show a quite strong growth in Revenue. The Revenue will grow by 17.32% on average per year.
EPS Next Y34.51%
EPS Next 2Y25.49%
EPS Next 3Y23.6%
EPS Next 5YN/A
Revenue Next Year19.62%
Revenue Next 2Y17.6%
Revenue Next 3Y17.32%
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 10.25 indicates a reasonable valuation of ENVA.
ENVA's Price/Earnings ratio is in line with the industry average.
ENVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
A Price/Forward Earnings ratio of 8.64 indicates a reasonable valuation of ENVA.
The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
Compared to an average S&P500 Price/Forward Earnings ratio of 32.68, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.25 | ||
| Fwd PE | 8.64 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ENVA indicates a rather cheap valuation: ENVA is cheaper than 85.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.92 | ||
| EV/EBITDA | 9.89 |
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.
The decent profitability rating of ENVA may justify a higher PE ratio.
A more expensive valuation may be justified as ENVA's earnings are expected to grow with 23.60% in the coming years.
PEG (NY)0.3
PEG (5Y)0.52
EPS Next 2Y25.49%
EPS Next 3Y23.6%
5. Dividend
5.1 Amount
No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
124.86
+2 (+1.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners99.19%
Inst Owner Change-1.53%
Ins Owners4.51%
Ins Owner Change0.62%
Market Cap3.12B
Revenue(TTM)1.74B
Net Income(TTM)256.20M
Analysts84.29
Price Target143.44 (14.88%)
Short Float %6.23%
Short Ratio5.44
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)6.03%
Min EPS beat(2)5.92%
Max EPS beat(2)6.14%
EPS beat(4)4
Avg EPS beat(4)7.24%
Min EPS beat(4)3.97%
Max EPS beat(4)12.95%
EPS beat(8)7
Avg EPS beat(8)3.01%
EPS beat(12)11
Avg EPS beat(12)3.73%
EPS beat(16)15
Avg EPS beat(16)7.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.72%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)-0.44%
Revenue beat(4)1
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)1.51%
Revenue beat(8)3
Avg Revenue beat(8)-0.25%
Revenue beat(12)4
Avg Revenue beat(12)-10.02%
Revenue beat(16)4
Avg Revenue beat(16)-13.98%
PT rev (1m)7.25%
PT rev (3m)8.28%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-0.03%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)2.87%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.25 | ||
| Fwd PE | 8.64 | ||
| P/S | 1.86 | ||
| P/FCF | 1.92 | ||
| P/OCF | 1.87 | ||
| P/B | 2.54 | ||
| P/tB | 3.31 | ||
| EV/EBITDA | 9.89 |
EPS(TTM)12.18
EY9.75%
EPS(NY)14.46
Fwd EY11.58%
FCF(TTM)64.87
FCFY51.95%
OCF(TTM)66.68
OCFY53.4%
SpS67.21
BVpS49.13
TBVpS37.68
PEG (NY)0.3
PEG (5Y)0.52
Graham Number116.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.48% | ||
| ROE | 20.85% | ||
| ROCE | 12.16% | ||
| ROIC | 9.38% | ||
| ROICexc | 9.48% | ||
| ROICexgc | 10.01% | ||
| OM | 39.55% | ||
| PM (TTM) | 15.24% | ||
| GM | N/A | ||
| FCFM | 96.51% |
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 | 3.23 | ||
| Debt/FCF | 2.44 | ||
| Debt/EBITDA | 5.62 | ||
| Cap/Depr | 111.23% | ||
| Cap/Sales | 2.69% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 236.35% | ||
| Profit Quality | 633.24% | ||
| Current Ratio | 20.45 | ||
| Quick Ratio | 20.45 | ||
| Altman-Z | 2.59 |
F-Score8
WACC10.83%
ROIC/WACC0.87
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 Y34.51%
EPS Next 2Y25.49%
EPS Next 3Y23.6%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
Revenue Next Year19.62%
Revenue Next 2Y17.6%
Revenue Next 3Y17.32%
Revenue Next 5YN/A
EBIT growth 1Y39.37%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year35.4%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y55.67%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y53.96%
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 10.25 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 34.51% in the next year.