Overall ENVA gets a fundamental rating of 6 out of 10. We evaluated ENVA against 53 industry peers in the Consumer Finance industry. ENVA has an excellent financial health rating, but there are some minor concerns on its profitability. ENVA has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

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.
Of the past 5 years ENVA 4 years were profitable.
ENVA had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

ENVA has a Return On Assets of 4.92%. This is in the better half of the industry: ENVA outperforms 66.04% of its industry peers.
ENVA's Return On Equity of 22.86% is fine compared to the rest of the industry. ENVA outperforms 77.36% of its industry peers.
ENVA has a better Return On Invested Capital (9.57%) than 71.70% 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 12.42%.
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

The Profit Margin of ENVA (16.85%) is better than 64.15% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
ENVA has a better Operating Margin (40.64%) than 92.45% 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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 2.69. 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.
The Altman-Z score of ENVA (2.69) is better than 83.02% 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 Debt to FCF ratio of 2.41. This is amongst the best in the industry. ENVA outperforms 83.02% 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's Debt to Equity ratio of 3.20 is in line compared to the rest of the industry. ENVA outperforms 43.40% 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	2.69

ROIC/WACC1.13

WACC8.48%

2.3 Liquidity

A Current Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 21.75, ENVA belongs to the top of the industry, outperforming 98.11% 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.
The Quick ratio of ENVA (21.75) is better than 98.11% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	21.75
Quick Ratio	21.75

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.
The Earnings Per Share has been growing by 12.29% on average over the past years. This is quite good.

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

Based on estimates for the next years, ENVA will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.84% 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 15.74% on average per year.

EPS Next Y13.92%

EPS Next 2Y17.84%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year16.33%

Revenue Next 2Y15.74%

Revenue Next 3YN/A

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.22 indicates a correct valuation of ENVA.
Compared to the rest of the industry, the Price/Earnings ratio of ENVA indicates a slightly more expensive valuation: ENVA is more expensive than 60.38% of the companies listed in the same industry.
ENVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.60.
A Price/Forward Earnings ratio of 10.73 indicates a reasonable valuation of ENVA.
ENVA's Price/Forward Earnings is on the same level as the industry average.
ENVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.

		Industry Rank	Sector Rank
PE	12.22
Fwd PE	10.73

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 67.92% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than 79.25% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.32
EV/EBITDA	10.61

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.
A more expensive valuation may be justified as ENVA's earnings are expected to grow with 17.84% in the coming years.