ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:ENVA • US29357K1034
155.69 USD
-3.38 (-2.12%)
Last: Feb 4, 2026, 03:50 PM
We assign a fundamental rating of 6 out of 10 to ENVA. ENVA was compared to 54 industry peers in the Consumer Finance industry. ENVA has an excellent financial health rating, but there are some minor concerns on its profitability. ENVA may be a bit undervalued, certainly considering the very reasonable score on growth This makes ENVA very considerable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year ENVA was profitable.
- ENVA had a positive operating cash flow in the past year.
- ENVA had positive earnings in 4 of the past 5 years.
- Of the past 5 years ENVA 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.92%, ENVA is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
- ENVA has a better Return On Equity (22.86%) than 77.78% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 9.57%, ENVA is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for ENVA is below the industry average of 12.42%.
- 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 | 22.86% | ||
| 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 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 grown nicely.
- The Operating Margin of ENVA (40.64%) is better than 92.59% 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) just above the Cost of Capital (WACC), ENVA is creating some value.
- ENVA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- ENVA has an Altman-Z score of 2.70. 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's Altman-Z score of 2.70 is amongst the best of the industry. ENVA outperforms 85.19% 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 83.33% 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 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 | 2.7 |
ROIC/WACC1.13
WACC8.48%
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 98.15% 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 98.15% 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 41.94%, which is quite impressive.
- Measured over the past years, ENVA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.29% on average per year.
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 Year15.93%
Revenue Next 2Y15.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.95, the valuation of ENVA can be described as 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 28.18.
- With a Price/Forward Earnings ratio of 9.68, the valuation of ENVA can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
- ENVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 9.68 |
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 68.52% of the companies listed in the same industry.
- ENVA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.26 | ||
| EV/EBITDA | 10.66 |
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.
- ENVA's earnings are expected to grow with 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)0.97
EPS Next 2Y21.21%
EPS Next 3Y24.46%
5. Dividend
5.1 Amount
- ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:ENVA (2/4/2026, 3:50:00 PM)
155.69
-3.38 (-2.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-27 2026-04-27/amc
Inst Owners95.29%
Inst Owner Change0.5%
Ins Owners4.55%
Ins Owner Change-0.21%
Market Cap3.86B
Revenue(TTM)N/A
Net Income(TTM)293.41M
Analysts84.29
Price Target197.59 (26.91%)
Short Float %7.9%
Short Ratio6.16
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)2.79%
PT rev (3m)31.2%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)1.69%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)5.16%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.95 | ||
| Fwd PE | 9.68 | ||
| P/S | 2.22 | ||
| P/FCF | 2.26 | ||
| P/OCF | 2.2 | ||
| P/B | 3.01 | ||
| P/tB | 3.86 | ||
| EV/EBITDA | 10.66 |
EPS(TTM)13.03
EY8.37%
EPS(NY)16.08
Fwd EY10.33%
FCF(TTM)68.78
FCFY44.18%
OCF(TTM)70.62
OCFY45.36%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.51
PEG (5Y)0.97
Graham Number123.19
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 | 2.7 |
F-Score8
WACC8.48%
ROIC/WACC1.13
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.06%
Revenue Next Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year41.04%
EBIT Next 3Y21.99%
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 6 / 10 to ENVA.
What is the valuation status for ENVA stock?
ChartMill assigns a valuation rating of 6 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Fairly Valued.
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.