ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
135.61 USD
-0.55 (-0.4%)
Overall ENVA gets a fundamental rating of 7 out of 10. We evaluated ENVA against 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 growing strongly while it also seems undervalued. This is an interesting combination This makes ENVA very considerable for value and 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.
In the past 5 years ENVA has always been profitable.
Each year in the past 5 years ENVA had a positive operating cash flow.
1.2 Ratios
ENVA's Return On Assets of 4.92% is fine compared to the rest of the industry. ENVA outperforms 70.91% of its industry peers.
With a decent Return On Equity value of 22.83%, ENVA is doing good in the industry, outperforming 80.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.57%, ENVA is in the better half of the industry, outperforming 76.36% of the companies in the same industry.
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 3 year average ROIC (8.27%) for ENVA is below the current ROIC(9.57%), indicating increased profibility in the last year.
| 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 69.09% of its industry peers.
In the last couple of years the Profit Margin of ENVA has grown nicely.
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.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ENVA is destroying value.
Compared to 1 year ago, ENVA has less shares outstanding
ENVA has less shares outstanding than it did 5 years ago.
ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
ENVA has an Altman-Z score of 2.63. 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.
ENVA has a Altman-Z score of 2.63. This is amongst the best in 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.
ENVA has a Debt to Equity ratio (3.20) which is in line with 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 | 2.63 |
ROIC/WACC0.93
WACC10.33%
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.
Looking at the Current 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.
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's Quick ratio of 21.75 is amongst the best of 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.
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 23.67% yearly.
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 11.13 indicates a reasonable 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.
Compared to an average S&P500 Price/Earnings ratio of 26.41, ENVA is valued rather cheaply.
The Price/Forward Earnings ratio is 9.25, 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.
The average S&P500 Price/Forward Earnings ratio is at 35.40. ENVA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.13 | ||
| Fwd PE | 9.25 |
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 74.55% of the companies listed in the same industry.
80.00% of the companies in the same industry are more expensive than ENVA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.97 | ||
| 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.
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)0.27
PEG (5Y)0.57
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 (12/5/2025, 9:30:27 AM)
135.61
-0.55 (-0.4%)
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 Cap3.36B
Revenue(TTM)1.74B
Net Income(TTM)293.10M
Analysts84.29
Price Target143.44 (5.77%)
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 | 11.13 | ||
| Fwd PE | 9.25 | ||
| P/S | 1.93 | ||
| P/FCF | 1.97 | ||
| P/OCF | 1.92 | ||
| P/B | 2.62 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | 9.89 |
EPS(TTM)12.18
EY8.98%
EPS(NY)14.66
Fwd EY10.81%
FCF(TTM)68.76
FCFY50.7%
OCF(TTM)70.6
OCFY52.06%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.27
PEG (5Y)0.57
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 | 2.63 |
F-Score8
WACC10.33%
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 11.13 and the Price/Book (PB) ratio is 2.62.
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.