ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
157.2 USD
-2.26 (-1.42%)
157.2 USD
0 (0%)
ENVA gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. ENVA has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. ENVA is evaluated to be cheap and growing strongly. This does not happen too often! This makes ENVA very considerable for value and 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.
In the past 5 years ENVA has always been profitable.
ENVA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ENVA's Return On Assets of 4.92% is fine compared to the rest of the industry. ENVA outperforms 70.91% of its industry peers.
Looking at the Return On Equity, with a value of 22.86%, ENVA is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
ENVA has a Return On Invested Capital of 9.57%. This is in the better half of the industry: ENVA outperforms 74.55% 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 69.09% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 40.64%, ENVA belongs to the best of the industry, outperforming 94.55% of the companies in the same industry.
ENVA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.64% | ||
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ENVA is still creating some value.
The number of shares outstanding for ENVA has been reduced compared to 1 year ago.
Compared to 5 years ago, ENVA has less shares outstanding
The debt/assets ratio for ENVA is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.69 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.69, ENVA belongs to the top of the industry, outperforming 87.27% 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.
With an excellent Debt to FCF ratio value of 2.41, ENVA belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
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 43.64% 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 | 2.69 |
ROIC/WACC1.09
WACC8.78%
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 96.36% 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.
Looking at the Quick ratio, with a value of 21.75, ENVA belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
| 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.
The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
Looking at the last year, ENVA shows a very strong growth in Revenue. The Revenue has grown by 20.81%.
The Revenue has been growing slightly by 5.42% on average over the past years.
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
The Earnings Per Share is expected to grow by 25.89% 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 17.21% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.91, which indicates a correct valuation of ENVA.
Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
ENVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.
Based on the Price/Forward Earnings ratio of 10.57, the valuation of ENVA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ENVA is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of ENVA to the average of the S&P500 Index (23.13), we can say ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.91 | ||
| Fwd PE | 10.57 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than the industry average as 67.27% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 80.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.29 | ||
| EV/EBITDA | 10.59 |
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 25.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)0.66
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% |
157.2
-2.26 (-1.42%)
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 Cap3.90B
Revenue(TTM)1.74B
Net Income(TTM)293.41M
Analysts84.29
Price Target183.09 (16.47%)
Short Float %7.72%
Short Ratio6.9
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 | 12.91 | ||
| Fwd PE | 10.57 | ||
| P/S | 2.24 | ||
| P/FCF | 2.29 | ||
| P/OCF | 2.23 | ||
| P/B | 3.04 | ||
| P/tB | 3.9 | ||
| EV/EBITDA | 10.59 |
EPS(TTM)12.18
EY7.75%
EPS(NY)14.87
Fwd EY9.46%
FCF(TTM)68.78
FCFY43.76%
OCF(TTM)70.62
OCFY44.92%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.31
PEG (5Y)0.66
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 | 2.69 |
F-Score8
WACC8.78%
ROIC/WACC1.09
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.
What is the valuation status for ENVA stock?
ChartMill assigns a valuation rating of 7 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Undervalued.
What is the profitability of ENVA stock?
ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 7 / 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 41.47% in the next year.