ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
124.18 USD
+3.78 (+3.14%)
124.18 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. ENVA gets an excellent profitability rating and is at the same time showing great financial health properties. An interesting combination arises when we look at growth and value: ENVA is growing strongly while it also seems undervalued. These ratings would make ENVA suitable for value and growth and quality investing!
1. Profitability
1.1 Basic Checks
ENVA had positive earnings in the past year.
In the past year ENVA had a positive cash flow from operations.
In the past 5 years ENVA has always been profitable.
In the past 5 years ENVA always reported a positive cash flow from operatings.
1.2 Ratios
ENVA has a better Return On Assets (4.92%) than 70.91% of its industry peers.
Looking at the Return On Equity, with a value of 22.83%, ENVA belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
The Return On Invested Capital of ENVA (9.57%) is better than 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 11.61%.
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
ENVA has a better Profit Margin (16.83%) than 70.91% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 40.66%, ENVA belongs to the best of the industry, outperforming 92.73% of the companies in the same industry.
In the last couple of years the Operating Margin of ENVA has grown nicely.
| 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.
The number of shares outstanding for ENVA has been reduced compared to 1 year ago.
ENVA has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ENVA is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.58 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA's Altman-Z score of 2.58 is fine compared to the rest of the industry. ENVA outperforms 80.00% 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 has a Debt to FCF ratio of 2.41. This is amongst the best in the industry. ENVA outperforms 81.82% of its industry peers.
ENVA has a Debt/Equity ratio of 3.20. This is a high value indicating a heavy dependency on external financing.
ENVA has a worse Debt to Equity ratio (3.20) than 60.00% of its industry peers.
Even though the debt/equity ratio score it not favorable for ENVA, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.2 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | 2.58 |
ROIC/WACC0.88
WACC10.83%
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.
The Current ratio of ENVA (21.75) is better than 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.
Looking at the Quick ratio, with a value of 21.75, ENVA belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 |
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%.
Measured over the past years, ENVA shows a small growth in Revenue. The Revenue has been growing by 5.42% on average per year.
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
The Earnings Per Share is expected to grow by 23.67% on average over the next years. This is a very strong growth
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
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
The Price/Earnings ratio is 10.20, which indicates a very decent valuation of ENVA.
Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 25.45. ENVA is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.47 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 34.46, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 8.47 |
4.2 Price Multiples
ENVA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ENVA is 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 81.82% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.82 | ||
| EV/EBITDA | 9.41 |
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.
The decent profitability rating of ENVA 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)0.25
PEG (5Y)0.52
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 |
124.18
+3.78 (+3.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners99.19%
Inst Owner Change-4.82%
Ins Owners4.51%
Ins Owner Change-0.76%
Market Cap3.11B
Revenue(TTM)1.74B
Net Income(TTM)293.10M
Analysts84.29
Price Target143.44 (15.51%)
Short Float %6.77%
Short Ratio5.84
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)8.28%
PT rev (3m)7.25%
EPS NQ rev (1m)10.61%
EPS NQ rev (3m)10.37%
EPS NY rev (1m)5.15%
EPS NY rev (3m)8.23%
Revenue NQ rev (1m)-2.81%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)-0.8%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.2 | ||
| Fwd PE | 8.47 | ||
| P/S | 1.78 | ||
| P/FCF | 1.82 | ||
| P/OCF | 1.77 | ||
| P/B | 2.42 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | 9.41 |
EPS(TTM)12.18
EY9.81%
EPS(NY)14.66
Fwd EY11.8%
FCF(TTM)68.18
FCFY54.9%
OCF(TTM)70.01
OCFY56.37%
SpS69.63
BVpS51.33
TBVpS39.96
PEG (NY)0.25
PEG (5Y)0.52
Graham Number118.6
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 | 2.58 |
F-Score8
WACC10.83%
ROIC/WACC0.88
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 10.2 and the Price/Book (PB) ratio is 2.42.
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.