ENOVA INTERNATIONAL INC (ENVA) Fundamental Analysis & Valuation

NYSE:ENVA • US29357K1034

Current stock price

167.82 USD
+4.33 (+2.65%)
Last:

This ENVA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ENVA Profitability Analysis

1.1 Basic Checks

  • In the past year ENVA was profitable.
  • In the past year ENVA had a positive cash flow from operations.
  • Each year in the past 5 years ENVA has been profitable.
  • In the past 5 years ENVA always reported a positive cash flow from operatings.
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

  • The Return On Assets of ENVA (4.77%) is better than 66.67% of its industry peers.
  • ENVA has a Return On Equity of 23.07%. This is in the better half of the industry: ENVA outperforms 75.93% of its industry peers.
  • ENVA has a better Return On Invested Capital (9.25%) than 72.22% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ENVA is in line with the industry average of 9.60%.
  • The 3 year average ROIC (8.59%) for ENVA is below the current ROIC(9.25%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.77%
ROE 23.07%
ROIC 9.25%
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 has a better Profit Margin (16.85%) than 64.81% of its industry peers.
  • ENVA's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 40.40%, ENVA belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • ENVA's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 40.4%
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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7

2. ENVA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ENVA 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.
  • ENVA has a worse debt/assets ratio than last year.
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.
  • With an excellent Altman-Z score value of 2.63, ENVA belongs to the best of the industry, outperforming 85.19% of the companies in the same industry.
  • ENVA has a debt to FCF ratio of 2.54. This is a good value and a sign of high solvency as ENVA would need 2.54 years to pay back of all of its debts.
  • ENVA's Debt to FCF ratio of 2.54 is fine compared to the rest of the industry. ENVA outperforms 79.63% of its industry peers.
  • ENVA has a Debt/Equity ratio of 3.37. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of ENVA (3.37) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Altman-Z 2.63
ROIC/WACC1.1
WACC8.39%
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

  • A Current Ratio of 19.62 indicates that ENVA has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 19.62, ENVA belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
  • A Quick Ratio of 19.62 indicates that ENVA has no problem at all paying its short term obligations.
  • ENVA has a better Quick ratio (19.62) than 96.30% of its industry peers.
Industry RankSector Rank
Current Ratio 19.62
Quick Ratio 19.62
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. ENVA Growth Analysis

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.
  • Looking at the last year, ENVA shows a quite strong growth in Revenue. The Revenue has grown by 19.67% in the last year.
  • ENVA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.75% yearly.
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

  • The Earnings Per Share is expected to grow by 24.46% 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 19.95% on average per year.
EPS Next Y23.9%
EPS Next 2Y21.24%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue Next Year15.81%
Revenue Next 2Y16.11%
Revenue Next 3Y19.95%
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 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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7

4. ENVA Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.88, ENVA is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 27.66, ENVA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.40, the valuation of ENVA can be described as reasonable.
  • 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 38.00, ENVA is valued rather cheaply.
Industry RankSector Rank
PE 12.88
Fwd PE 10.4
ENVA Price Earnings VS Forward Price EarningsENVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 72.22% of the companies in the same industry are more expensive than ENVA, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 74.07% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.36
EV/EBITDA 10.89
ENVA Per share dataENVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)1.05
EPS Next 2Y21.24%
EPS Next 3Y24.46%

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

0

5. ENVA Dividend Analysis

5.1 Amount

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

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ENVA Fundamentals: All Metrics, Ratios and Statistics

ENOVA INTERNATIONAL INC

NYSE:ENVA (4/22/2026, 12:35:27 PM)

167.82

+4.33 (+2.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners95.15%
Inst Owner Change-0.33%
Ins Owners4.41%
Ins Owner Change-1.15%
Market Cap4.19B
Revenue(TTM)1.83B
Net Income(TTM)308.39M
Analysts86.15
Price Target191.03 (13.83%)
Short Float %8.03%
Short Ratio6.54
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)7.95%
Min EPS beat(2)7.05%
Max EPS beat(2)8.86%
EPS beat(4)4
Avg EPS beat(4)6.99%
Min EPS beat(4)5.92%
Max EPS beat(4)8.86%
EPS beat(8)8
Avg EPS beat(8)7.31%
EPS beat(12)11
Avg EPS beat(12)4.63%
EPS beat(16)15
Avg EPS beat(16)4.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.16%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-1.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.44%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)-0.44%
Revenue beat(8)2
Avg Revenue beat(8)-0.63%
Revenue beat(12)4
Avg Revenue beat(12)-4%
Revenue beat(16)4
Avg Revenue beat(16)-11.97%
PT rev (1m)-3.32%
PT rev (3m)1.51%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)7.07%
EPS NY rev (1m)0.37%
EPS NY rev (3m)8.58%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-0.54%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-0.48%
Valuation
Industry RankSector Rank
PE 12.88
Fwd PE 10.4
P/S 2.29
P/FCF 2.36
P/OCF 2.3
P/B 3.13
P/tB 3.97
EV/EBITDA 10.89
EPS(TTM)13.03
EY7.76%
EPS(NY)16.14
Fwd EY9.62%
FCF(TTM)71.02
FCFY42.32%
OCF(TTM)72.91
OCFY43.45%
SpS73.36
BVpS53.58
TBVpS42.24
PEG (NY)0.54
PEG (5Y)1.05
Graham Number125.328 (-25.32%)
Profitability
Industry RankSector Rank
ROA 4.77%
ROE 23.07%
ROCE 12%
ROIC 9.25%
ROICexc 9.36%
ROICexgc 9.81%
OM 40.4%
PM (TTM) 16.85%
GM N/A
FCFM 96.82%
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-Score7
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Debt/EBITDA 5.76
Cap/Depr 112.69%
Cap/Sales 2.58%
Interest Coverage 2.3
Cash Conversion 232.84%
Profit Quality 574.59%
Current Ratio 19.62
Quick Ratio 19.62
Altman-Z 2.63
F-Score7
WACC8.39%
ROIC/WACC1.1
Cap/Depr(3y)113.08%
Cap/Depr(5y)108.26%
Cap/Sales(3y)3.03%
Cap/Sales(5y)3.18%
Profit Quality(3y)642.98%
Profit Quality(5y)502.3%
High Growth Momentum
Growth
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
EPS Next Y23.9%
EPS Next 2Y21.24%
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 Year15.81%
Revenue Next 2Y16.11%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y26.5%
EBIT growth 3Y24.41%
EBIT growth 5Y15.63%
EBIT Next Year28.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.51%
FCF growth 3Y27.73%
FCF growth 5Y20.02%
OCF growth 1Y18.23%
OCF growth 3Y26.72%
OCF growth 5Y19.68%

ENOVA INTERNATIONAL INC / ENVA Fundamental Analysis 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 7 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Undervalued.


Can you provide the profitability details for ENOVA INTERNATIONAL INC?

ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 6 / 10.


What are the PE and PB ratios of ENOVA INTERNATIONAL INC (ENVA) stock?

The Price/Earnings (PE) ratio for ENOVA INTERNATIONAL INC (ENVA) is 12.88 and the Price/Book (PB) ratio is 3.13.


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 23.9% in the next year.