ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
135.38 USD
-0.78 (-0.57%)
135.38 USD
0 (0%)
Taking everything into account, ENVA scores 7 out of 10 in our fundamental rating. ENVA was compared to 55 industry peers in the Consumer Finance industry. ENVA scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ENVA is evaluated to be cheap and growing strongly. This does not happen too often! These ratings could make ENVA a good candidate 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
The Return On Assets of ENVA (4.91%) is better than 70.91% of its industry peers.
ENVA's Return On Equity of 22.82% is fine compared to the rest of the industry. ENVA outperforms 80.00% of its industry peers.
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 11.33%.
The last Return On Invested Capital (9.56%) for ENVA is above the 3 year average (8.26%), which is a sign of increasing profitability.
| 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
ENVA has a Profit Margin of 16.83%. This is in the better half of the industry: ENVA outperforms 69.09% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
ENVA has a better Operating Margin (40.66%) than 92.73% of its industry peers.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ENVA is destroying value.
ENVA has less shares outstanding than it did 1 year ago.
ENVA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ENVA has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.62 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA has a Altman-Z score of 2.62. This is amongst the best in the industry. ENVA outperforms 85.45% 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 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.
The Debt to Equity ratio of ENVA (3.20) is comparable to the rest of the industry.
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 | 2.62 |
ROIC/WACC0.92
WACC10.36%
2.3 Liquidity
A Current Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
The Current ratio of ENVA (21.75) is better than 96.36% of its industry peers.
A Quick Ratio of 21.75 indicates that ENVA has no problem at all paying 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
ENVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.00%, 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 19.61% yearly.
Looking at the last year, ENVA shows a very strong growth in Revenue. 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
ENVA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.67% yearly.
The Revenue is expected to grow by 17.77% on average over the next years. This is quite good.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 11.11 indicates a reasonable 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 is valuated cheaply when we compare the Price/Earnings ratio to 26.46, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.24, which indicates a very decent valuation of ENVA.
ENVA's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.10, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.11 | ||
| Fwd PE | 9.24 |
4.2 Price Multiples
72.73% of the companies in the same industry are more expensive than ENVA, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, ENVA is valued cheaply inside the industry as 81.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.97 | ||
| EV/EBITDA | 9.87 |
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 23.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)0.57
EPS Next 2Y26.36%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
135.38
-0.78 (-0.57%)
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 Cap3.36B
Revenue(TTM)1.74B
Net Income(TTM)293.00M
Analysts84.29
Price Target143.44 (5.95%)
Short Float %6.85%
Short Ratio6.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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%
EPS NQ rev (3m)10.37%
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 | 11.11 | ||
| Fwd PE | 9.24 | ||
| P/S | 1.93 | ||
| P/FCF | 1.97 | ||
| P/OCF | 1.92 | ||
| P/B | 2.62 | ||
| P/tB | 3.36 | ||
| EV/EBITDA | 9.87 |
EPS(TTM)12.18
EY9%
EPS(NY)14.66
Fwd EY10.83%
FCF(TTM)68.79
FCFY50.81%
OCF(TTM)70.6
OCFY52.15%
SpS70.22
BVpS51.73
TBVpS40.29
PEG (NY)0.27
PEG (5Y)0.57
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 | 2.62 |
F-Score8
WACC10.36%
ROIC/WACC0.92
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 7 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Undervalued.
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 11.11 and the Price/Book (PB) ratio is 2.62.
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.