ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
NYSE:ENVA • US29357K1034
147.88 USD
+3.45 (+2.39%)
Last: Feb 26, 2026, 02:31 PM
Taking everything into account, ENVA scores 6 out of 10 in our fundamental rating. ENVA was compared to 54 industry peers in the Consumer Finance industry. ENVA is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. ENVA is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! With these ratings, ENVA could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
- ENVA had positive earnings in the past year.
- In the past year ENVA had a positive cash flow from operations.
- In the past 5 years ENVA has always been profitable.
- Of the past 5 years ENVA 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.92%, ENVA is in the better half of the industry, outperforming 64.81% of the companies in the same industry.
- ENVA has a better Return On Equity (22.86%) than 77.78% of its industry peers.
- With a decent Return On Invested Capital value of 9.56%, ENVA is doing good in the industry, outperforming 72.22% of the companies in the same industry.
- ENVA had an Average Return On Invested Capital over the past 3 years of 8.59%. This is below the industry average of 12.20%.
- The 3 year average ROIC (8.59%) for ENVA is below the current ROIC(9.56%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.86% | ||
| ROIC | 9.56% |
ROA(3y)4.19%
ROA(5y)5.47%
ROE(3y)18.23%
ROE(5y)19.12%
ROIC(3y)8.59%
ROIC(5y)9.25%
1.3 Margins
- With a decent Profit Margin value of 16.85%, ENVA is doing good in the industry, outperforming 64.81% of the companies in the same industry.
- ENVA's Profit Margin has declined in the last couple of years.
- ENVA's Operating Margin of 40.64% is amongst the best of the industry. ENVA outperforms 90.74% of its industry peers.
- In the last couple of years the Operating Margin of ENVA has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.64% | ||
| 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
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.
- 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
- ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
- ENVA has an Altman-Z score of 2.65. 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.
- ENVA has a better Altman-Z score (2.65) than 85.19% of its industry peers.
- The Debt to FCF ratio of ENVA is 2.41, which is a good value as it means it would take ENVA, 2.41 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of ENVA (2.41) is better than 81.48% 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 46.30% of its industry peers.
- 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 | 2.65 |
ROIC/WACC1.17
WACC8.19%
2.3 Liquidity
- A Current Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
- ENVA has a better Current ratio (21.75) than 98.15% of its industry peers.
- A Quick Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
- ENVA has a better Quick ratio (21.75) than 98.15% 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 41.94% over the past year.
- Measured over the past years, ENVA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.29% on average per year.
- The Revenue has grown by 19.67% in the past year. This is quite good.
- 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 Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue Next Year15.93%
Revenue Next 2Y15.65%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.35, the valuation of ENVA can be described as reasonable.
- ENVA's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 27.05, ENVA is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.19, 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 28.03, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.35 | ||
| Fwd PE | 9.19 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than the industry average as 68.52% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than the industry average as 79.63% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.14 | ||
| EV/EBITDA | 10.16 |
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's earnings are expected to grow with 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)0.92
EPS Next 2Y21.21%
EPS Next 3Y24.46%
5. Dividend
5.1 Amount
- No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:ENVA (2/26/2026, 2:31:39 PM)
147.88
+3.45 (+2.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-27 2026-04-27/amc
Inst Owners95.29%
Inst Owner Change4.97%
Ins Owners4.55%
Ins Owner Change-1.21%
Market Cap3.66B
Revenue(TTM)1.83B
Net Income(TTM)293.41M
Analysts84.29
Price Target197.59 (33.62%)
Short Float %7.71%
Short Ratio5.33
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)4.99%
PT rev (3m)37.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)8.35%
EPS NY rev (3m)9.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)-0.37%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.35 | ||
| Fwd PE | 9.19 | ||
| P/S | 2.1 | ||
| P/FCF | 2.14 | ||
| P/OCF | 2.09 | ||
| P/B | 2.85 | ||
| P/tB | 3.66 | ||
| EV/EBITDA | 10.16 |
EPS(TTM)13.03
EY8.81%
EPS(NY)16.08
Fwd EY10.88%
FCF(TTM)69.01
FCFY46.66%
OCF(TTM)70.85
OCFY47.91%
SpS70.44
BVpS51.93
TBVpS40.43
PEG (NY)0.48
PEG (5Y)0.92
Graham Number123.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.86% | ||
| ROCE | 12.4% | ||
| ROIC | 9.56% | ||
| ROICexc | 9.65% | ||
| ROICexgc | 10.16% | ||
| OM | 40.64% | ||
| PM (TTM) | 16.85% | ||
| GM | N/A | ||
| FCFM | 97.96% |
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-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 | 2.65 |
F-Score8
WACC8.19%
ROIC/WACC1.17
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
EPS Next Y23.43%
EPS Next 2Y21.21%
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 Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y24.41%
EBIT growth 5Y15.63%
EBIT Next Year23.82%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y23.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y23.13%
OCF growth 3YN/A
OCF growth 5YN/A
ENOVA INTERNATIONAL INC / ENVA 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 6 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Fairly Valued.
What is the profitability of ENVA stock?
ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 5 / 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 23.43% in the next year.