ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis

NYSE:ENVA • US29357K1034

138.69 USD
+0.69 (+0.5%)
Last: Feb 25, 2026, 09:32 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

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 is growing strongly while it is still valued neutral. This is a good combination! This makes ENVA very considerable for growth investing!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year ENVA was profitable.
  • ENVA had a positive operating cash flow in the past year.
  • In the past 5 years ENVA has always been profitable.
  • Of the past 5 years ENVA 4 years 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 better Return On Assets (4.92%) than 64.81% of its industry peers.
  • ENVA has a Return On Equity of 22.86%. This is in the better half of the industry: ENVA outperforms 77.78% of its industry peers.
  • The Return On Invested Capital of ENVA (9.56%) is better than 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 12.20%.
  • The last Return On Invested Capital (9.56%) for ENVA is above the 3 year average (8.59%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.92%
ROE 22.86%
ROIC 9.56%
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's Profit Margin of 16.85% is fine compared to the rest 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's Operating Margin of 40.64% is amongst the best of the industry. ENVA outperforms 90.74% of its industry peers.
  • ENVA's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 40.64%
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

8

2. Health

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.
  • 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.
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

  • 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's Altman-Z score of 2.63 is amongst the best of the industry. ENVA outperforms 83.33% of its industry peers.
  • 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 has a better Debt to FCF ratio (2.41) than 81.48% 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.
  • With a Debt to Equity ratio value of 3.20, ENVA perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
  • Although ENVA does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 3.2
Debt/FCF 2.41
Altman-Z 2.63
ROIC/WACC1.17
WACC8.19%
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 21.75. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 21.75, ENVA belongs to the best of the industry, outperforming 98.15% 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 has a better Quick ratio (21.75) than 98.15% of its industry peers.
Industry RankSector Rank
Current Ratio 21.75
Quick Ratio 21.75
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. 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.
  • 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.
  • The Revenue has been growing by 21.75% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, ENVA will show a very strong growth in Earnings Per Share. The EPS will grow by 24.46% on average per year.
  • 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

  • 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 stable.
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.64, the valuation of ENVA can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as ENVA.
  • ENVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.98.
  • A Price/Forward Earnings ratio of 8.62 indicates a reasonable valuation of ENVA.
  • 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 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.64
Fwd PE 8.62
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

  • 68.52% of the companies in the same industry are more expensive than ENVA, based on the Enterprise Value to EBITDA ratio.
  • 79.63% of the companies in the same industry are more expensive than ENVA, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.01
EV/EBITDA 9.95
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's earnings are expected to grow with 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.87
EPS Next 2Y21.21%
EPS Next 3Y24.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • ENVA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ENOVA INTERNATIONAL INC

NYSE:ENVA (2/25/2026, 9:32:40 AM)

138.69

+0.69 (+0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners95.29%
Inst Owner Change4.97%
Ins Owners4.55%
Ins Owner Change-1.21%
Market Cap3.43B
Revenue(TTM)1.83B
Net Income(TTM)293.41M
Analysts84.29
Price Target197.59 (42.47%)
Short Float %7.71%
Short Ratio5.33
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)7.5%
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)4.99%
PT rev (3m)37.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)8.35%
EPS NY rev (3m)9.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)-0.37%
Revenue NY rev (3m)-0.32%
Valuation
Industry RankSector Rank
PE 10.64
Fwd PE 8.62
P/S 1.97
P/FCF 2.01
P/OCF 1.96
P/B 2.67
P/tB 3.43
EV/EBITDA 9.95
EPS(TTM)13.03
EY9.4%
EPS(NY)16.08
Fwd EY11.6%
FCF(TTM)69.01
FCFY49.76%
OCF(TTM)70.85
OCFY51.08%
SpS70.44
BVpS51.93
TBVpS40.43
PEG (NY)0.45
PEG (5Y)0.87
Graham Number123.39
Profitability
Industry RankSector Rank
ROA 4.92%
ROE 22.86%
ROCE 12.4%
ROIC 9.56%
ROICexc 9.65%
ROICexgc 10.16%
OM 40.64%
PM (TTM) 16.85%
GM N/A
FCFM 97.96%
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-Score8
Asset Turnover0.29
Health
Industry RankSector 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 2.63
F-Score8
WACC8.19%
ROIC/WACC1.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y24.41%
EBIT growth 5Y15.63%
EBIT Next Year23.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y23.13%
OCF growth 3YN/A
OCF growth 5YN/A

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 5 / 10.


How financially healthy is ENOVA INTERNATIONAL INC?

The financial health rating of ENOVA INTERNATIONAL INC (ENVA) is 8 / 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.