ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
164.85 USD
+1 (+0.61%)
164.85 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 overvalued while it is showing excellent growth. This is an interesting combination. 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.
ENVA had positive earnings in each of the past 5 years.
Each year in the past 5 years ENVA had a positive operating cash flow.
1.2 Ratios
ENVA's Return On Assets of 4.91% 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 22.82%, ENVA is doing good in the industry, outperforming 80.00% of the companies in the same industry.
With a decent Return On Invested Capital value of 9.56%, ENVA is doing good in the industry, outperforming 74.55% 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 12.59%.
The 3 year average ROIC (8.26%) for ENVA is below the current ROIC(9.56%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.91% | ||
| ROE | 22.82% | ||
| ROIC | 9.56% |
ROA(3y)4.42%
ROA(5y)8.09%
ROE(3y)16.35%
ROE(5y)22.74%
ROIC(3y)8.26%
ROIC(5y)10.19%
1.3 Margins
Looking at the Profit Margin, with a value of 16.83%, ENVA is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
In the last couple of years the Profit Margin of ENVA has grown nicely.
Looking at the Operating Margin, with a value of 40.66%, ENVA belongs to the top 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-1.77%
OM growth 5Y12.59%
PM growth 3Y-18.26%
PM growth 5Y34.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
ENVA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
ENVA has less shares outstanding than it did 1 year ago.
The number of shares outstanding for ENVA has been reduced compared to 5 years ago.
ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.72 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA's Altman-Z score of 2.72 is amongst the best of the industry. ENVA outperforms 87.27% 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 83.64% 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.
Looking at the Debt to Equity ratio, with a value of 3.20, ENVA is in line with its industry, outperforming 41.82% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.2 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | 2.72 |
ROIC/WACC0.94
WACC10.18%
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 96.36% 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.
ENVA has a Quick ratio of 21.75. This is amongst the best in 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.
ENVA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.61% yearly.
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
Based on estimates for the next years, ENVA will show a very strong growth in Earnings Per Share. The EPS will grow by 23.67% 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 17.77% on average per year.
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
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.
ENVA's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.61, ENVA is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 11.25, the valuation of ENVA can be described as reasonable.
ENVA's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.01. ENVA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.25 |
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 67.27% of the companies listed in the same industry.
78.18% 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 | 10.84 |
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 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)0.33
PEG (5Y)0.69
EPS Next 2Y26.36%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
164.85
+1 (+0.61%)
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)293.00M
Analysts84.29
Price Target143.44 (-12.99%)
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)0%
PT rev (3m)7.25%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)10.38%
EPS NY rev (1m)0%
EPS NY rev (3m)5.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.25 | ||
| P/S | 2.35 | ||
| P/FCF | 2.4 | ||
| P/OCF | 2.33 | ||
| P/B | 3.19 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | 10.84 |
EPS(TTM)12.18
EY7.39%
EPS(NY)14.66
Fwd EY8.89%
FCF(TTM)68.79
FCFY41.73%
OCF(TTM)70.6
OCFY42.83%
SpS70.22
BVpS51.73
TBVpS40.29
PEG (NY)0.33
PEG (5Y)0.69
Graham Number119.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.91% | ||
| ROE | 22.82% | ||
| ROCE | 12.4% | ||
| ROIC | 9.56% | ||
| ROICexc | 9.65% | ||
| ROICexgc | 10.16% | ||
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| GM | N/A | ||
| FCFM | 97.97% |
ROA(3y)4.42%
ROA(5y)8.09%
ROE(3y)16.35%
ROE(5y)22.74%
ROIC(3y)8.26%
ROIC(5y)10.19%
ROICexc(3y)8.42%
ROICexc(5y)10.94%
ROICexgc(3y)9.07%
ROICexgc(5y)12.41%
ROCE(3y)10.71%
ROCE(5y)13.21%
ROICexgc growth 3Y-13.53%
ROICexgc growth 5Y-10.3%
ROICexc growth 3Y-11.26%
ROICexc growth 5Y-7.56%
OM growth 3Y-1.77%
OM growth 5Y12.59%
PM growth 3Y-18.26%
PM growth 5Y34.41%
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 | 104.65% | ||
| Cap/Sales | 2.58% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.15% | ||
| Profit Quality | 582.25% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.72 |
F-Score8
WACC10.18%
ROIC/WACC0.94
Cap/Depr(3y)114.69%
Cap/Depr(5y)115.55%
Cap/Sales(3y)3.46%
Cap/Sales(5y)3.52%
Profit Quality(3y)588.99%
Profit Quality(5y)425.56%
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 1Y34.33%
EBIT growth 3Y12.28%
EBIT growth 5Y18.69%
EBIT Next Year40.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.26%
FCF growth 3Y50.12%
FCF growth 5Y11.83%
OCF growth 1Y56.1%
OCF growth 3Y48.3%
OCF growth 5Y11.94%
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 3.19.
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.