ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
164.84 USD
+0.17 (+0.1%)
164.84 USD
0 (0%)
We assign a fundamental rating of 7 out of 10 to ENVA. 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. ENVA is not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings could make ENVA a good candidate for 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.
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 better Return On Assets (4.92%) than 71.43% of its industry peers.
Looking at the Return On Equity, with a value of 22.86%, ENVA belongs to the top of the industry, outperforming 80.36% of the companies in the same industry.
ENVA has a better Return On Invested Capital (9.57%) than 75.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ENVA is below the industry average of 12.44%.
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 | 22.86% | ||
| 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 (16.85%) than 67.86% of its industry peers.
In the last couple of years the Profit Margin of ENVA has grown nicely.
ENVA has a Operating Margin of 40.64%. This is amongst the best in the industry. ENVA outperforms 94.64% of its industry peers.
ENVA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.64% | ||
| PM (TTM) | 16.85% | ||
| 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.
The debt/assets ratio for ENVA is higher compared to a year ago.
2.2 Solvency
ENVA has an Altman-Z score of 2.72. 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.
With an excellent Altman-Z score value of 2.72, ENVA belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
ENVA has a debt to FCF ratio of 2.41. This is a good value and a sign of high solvency as ENVA would need 2.41 years to pay back of all of its debts.
ENVA's Debt to FCF ratio of 2.41 is amongst the best of the industry. ENVA outperforms 83.93% 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.
The Debt to Equity ratio of ENVA (3.20) is comparable to the rest of the industry.
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 | 2.72 |
ROIC/WACC0.94
WACC10.2%
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 96.43% of its industry peers.
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 96.43% 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.
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 25.89% yearly.
ENVA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.21% yearly.
EPS Next Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue Next Year18.59%
Revenue Next 2Y17.49%
Revenue Next 3Y17.21%
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 13.53, which indicates a correct valuation of ENVA.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
The average S&P500 Price/Earnings ratio is at 26.92. ENVA is valued slightly cheaper when compared to this.
ENVA is valuated reasonably with a Price/Forward Earnings ratio of 11.09.
ENVA's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of ENVA to the average of the S&P500 Index (23.46), we can say ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
ENVA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 67.86% of the companies in the same industry.
78.57% 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 | 2.4 | ||
| EV/EBITDA | 10.85 |
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 25.89% in the coming years.
PEG (NY)0.33
PEG (5Y)0.69
EPS Next 2Y27.26%
EPS Next 3Y25.89%
5. Dividend
5.1 Amount
ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
164.84
+0.17 (+0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners95.24%
Inst Owner Change-5.03%
Ins Owners4.54%
Ins Owner Change-0.38%
Market Cap4.09B
Revenue(TTM)1.74B
Net Income(TTM)293.41M
Analysts84.29
Price Target183.09 (11.07%)
Short Float %6.88%
Short Ratio6.39
Dividend
| Industry Rank | Sector 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)7.5%
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)27.64%
PT rev (3m)36.89%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)10.23%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)5.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.09 | ||
| P/S | 2.35 | ||
| P/FCF | 2.4 | ||
| P/OCF | 2.33 | ||
| P/B | 3.18 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | 10.85 |
EPS(TTM)12.18
EY7.39%
EPS(NY)14.87
Fwd EY9.02%
FCF(TTM)68.78
FCFY41.73%
OCF(TTM)70.62
OCFY42.84%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.33
PEG (5Y)0.69
Graham Number119.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.86% | ||
| ROCE | 12.4% | ||
| ROIC | 9.57% | ||
| ROICexc | 9.66% | ||
| ROICexgc | 10.17% | ||
| OM | 40.64% | ||
| PM (TTM) | 16.85% | ||
| GM | N/A | ||
| FCFM | 97.96% |
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 | 106.26% | ||
| Cap/Sales | 2.61% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.34% | ||
| Profit Quality | 581.4% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.72 |
F-Score8
WACC10.2%
ROIC/WACC0.94
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 Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
Revenue Next Year18.59%
Revenue Next 2Y17.49%
Revenue Next 3Y17.21%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year41.04%
EBIT Next 3Y21.68%
EBIT Next 5YN/A
FCF growth 1Y58.24%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y56.13%
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 6 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Fairly Valued.
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 13.53 and the Price/Book (PB) ratio is 3.18.
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 41.47% in the next year.