ENOVA INTERNATIONAL INC (ENVA) Fundamental Analysis & Valuation

NYSE:ENVA • US29357K1034

Current stock price

138.3 USD
+3.31 (+2.45%)
Last:

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

6

1. ENVA Profitability Analysis

1.1 Basic Checks

  • ENVA had positive earnings in the past year.
  • ENVA had a positive operating cash flow in the past year.
  • ENVA had positive earnings in each of the past 5 years.
  • Each year in the past 5 years ENVA had a positive operating cash flow.
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 has a Return On Assets of 4.77%. This is in the better half of the industry: ENVA outperforms 62.96% of its industry peers.
  • ENVA's Return On Equity of 23.07% is fine compared to the rest of the industry. ENVA outperforms 75.93% of its industry peers.
  • ENVA has a Return On Invested Capital of 9.25%. This is in the better half of the industry: ENVA outperforms 72.22% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ENVA is below the industry average of 12.36%.
  • The 3 year average ROIC (8.59%) for ENVA is below the current ROIC(9.25%), indicating increased profibility in the last year.
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

  • ENVA has a Profit Margin of 16.85%. This is in the better half of the industry: ENVA outperforms 64.81% of its industry peers.
  • In the last couple of years the Profit Margin of ENVA has declined.
  • ENVA has a better Operating Margin (40.40%) than 94.44% of its industry peers.
  • 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.
  • ENVA has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, ENVA has less shares outstanding
  • ENVA has a worse debt/assets ratio than last year.
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 2.55 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 (2.55) than 85.19% of its industry peers.
  • 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.
  • ENVA has a better Debt to FCF ratio (2.54) than 81.48% of its industry peers.
  • ENVA has a Debt/Equity ratio of 3.37. This is a high value indicating a heavy dependency on external financing.
  • ENVA has a Debt to Equity ratio (3.37) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Altman-Z 2.55
ROIC/WACC1.13
WACC8.15%
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

  • ENVA has a Current Ratio of 19.62. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of ENVA (19.62) is better than 96.30% of its industry peers.
  • ENVA has a Quick Ratio of 19.62. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 19.62, ENVA belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
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

  • ENVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.94%, which is quite impressive.
  • ENVA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.29% yearly.
  • Looking at the last year, ENVA shows a quite strong growth in Revenue. The Revenue has grown by 19.67% in the last year.
  • ENVA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.75% yearly.
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
  • Based on estimates for the next years, ENVA will show a quite strong growth in Revenue. The Revenue will grow by 19.95% on average per year.
EPS Next Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue Next Year15.96%
Revenue Next 2Y15.96%
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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7

4. ENVA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.61, the valuation of ENVA can be described as very reasonable.
  • 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 25.23.
  • The Price/Forward Earnings ratio is 8.60, which indicates a very decent valuation of ENVA.
  • ENVA's Price/Forward Earnings is on the same level as the industry average.
  • ENVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.61
Fwd PE 8.6
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

  • Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than 70.37% 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 75.93% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.95
EV/EBITDA 9.99
ENVA Per share dataENVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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.
  • A more expensive valuation may be justified as ENVA's earnings are expected to grow with 24.46% in the coming years.
PEG (NY)0.45
PEG (5Y)0.86
EPS Next 2Y21.21%
EPS Next 3Y24.46%

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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%

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ENVA Fundamentals: All Metrics, Ratios and Statistics

ENOVA INTERNATIONAL INC

NYSE:ENVA (3/23/2026, 3:00:16 PM)

138.3

+3.31 (+2.45%)

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-1.15%
Market Cap3.46B
Revenue(TTM)1.83B
Net Income(TTM)308.39M
Analysts86.15
Price Target197.59 (42.87%)
Short Float %7.77%
Short Ratio5.61
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)0.18%
EPS NQ rev (3m)6.47%
EPS NY rev (1m)0%
EPS NY rev (3m)9.72%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.29%
Valuation
Industry RankSector Rank
PE 10.61
Fwd PE 8.6
P/S 1.89
P/FCF 1.95
P/OCF 1.9
P/B 2.59
P/tB 3.28
EV/EBITDA 9.99
EPS(TTM)13.03
EY9.42%
EPS(NY)16.08
Fwd EY11.63%
FCF(TTM)70.85
FCFY51.23%
OCF(TTM)72.74
OCFY52.59%
SpS73.18
BVpS53.45
TBVpS42.13
PEG (NY)0.45
PEG (5Y)0.86
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 2.55
F-Score7
WACC8.15%
ROIC/WACC1.13
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 Year15.96%
Revenue Next 2Y15.96%
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 Fundamental Analysis 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.