ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
161.6 USD
-3.23 (-1.96%)
161.6 USD
0 (0%)
Overall ENVA gets a fundamental rating of 7 out of 10. We evaluated ENVA against 53 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. An interesting combination arises when we look at growth and value: ENVA is growing strongly while it also seems undervalued. 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.
Each year in the past 5 years ENVA has been profitable.
ENVA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 4.92%, ENVA is doing good in the industry, outperforming 67.27% of the companies in the same industry.
ENVA's Return On Equity of 22.86% is fine compared to the rest of the industry. ENVA outperforms 78.18% of its industry peers.
With a decent Return On Invested Capital value of 9.57%, ENVA is doing good in the industry, outperforming 72.73% 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 12.42%.
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
Looking at the Profit Margin, with a value of 16.85%, ENVA is in the better half of the industry, outperforming 65.45% of the companies in the same industry.
ENVA's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 40.64%, 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 | 40.64% | ||
| 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.
ENVA has less shares outstanding than it did 1 year ago.
ENVA has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ENVA is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.71 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA has a better Altman-Z score (2.71) than 83.64% 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.
Looking at the Debt to FCF ratio, with a value of 2.41, ENVA belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
A Debt/Equity ratio of 3.20 is on the high side and indicates that ENVA has dependencies on debt financing.
ENVA has a Debt to Equity ratio of 3.20. This is comparable to the rest of the industry: ENVA outperforms 43.64% of its industry peers.
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 | 2.71 |
ROIC/WACC1.12
WACC8.54%
2.3 Liquidity
A Current Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
ENVA's Current ratio of 21.75 is amongst the best of the industry. ENVA outperforms 98.18% of its industry peers.
A Quick Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
ENVA's Quick ratio of 21.75 is amongst the best of the industry. ENVA outperforms 98.18% of its industry peers.
| 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.
Measured over the past years, ENVA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.61% on average per year.
The Revenue has grown by 20.81% in the past year. This is a very strong growth!
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 25.89% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 13.27, ENVA is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
ENVA is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.87 indicates a reasonable valuation of ENVA.
ENVA's Price/Forward Earnings is on the same level as the industry average.
ENVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.27 | ||
| Fwd PE | 10.87 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than 67.27% of the companies in the same industry.
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 | 2.35 | ||
| EV/EBITDA | 10.74 |
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.
The decent profitability rating of ENVA may justify a higher PE ratio.
A more expensive valuation may be justified as ENVA's earnings are expected to grow with 25.89% in the coming years.
PEG (NY)0.32
PEG (5Y)0.68
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% |
161.6
-3.23 (-1.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners95.29%
Inst Owner Change0%
Ins Owners4.55%
Ins Owner Change-0.38%
Market Cap4.01B
Revenue(TTM)1.74B
Net Income(TTM)293.41M
Analysts84.29
Price Target183.09 (13.3%)
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)38.21%
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 | 13.27 | ||
| Fwd PE | 10.87 | ||
| P/S | 2.3 | ||
| P/FCF | 2.35 | ||
| P/OCF | 2.29 | ||
| P/B | 3.12 | ||
| P/tB | 4.01 | ||
| EV/EBITDA | 10.74 |
EPS(TTM)12.18
EY7.54%
EPS(NY)14.87
Fwd EY9.2%
FCF(TTM)68.78
FCFY42.56%
OCF(TTM)70.62
OCFY43.7%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.32
PEG (5Y)0.68
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 | 2.71 |
F-Score8
WACC8.54%
ROIC/WACC1.12
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.