ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
163.85 USD
-0.46 (-0.28%)
160.28 USD
-3.57 (-2.18%)
Overall ENVA gets a fundamental rating of 7 out of 10. We evaluated ENVA against 55 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. ENVA is not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings could make ENVA a good candidate for growth and quality investing.
1. Profitability
1.1 Basic Checks
In the past year ENVA was profitable.
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 has a better Return On Assets (4.91%) 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.
ENVA has a better Return On Invested Capital (9.56%) than 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 12.59%.
The 3 year average ROIC (8.26%) for ENVA is below the current ROIC(9.56%), indicating increased profibility in the last year.
| 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
Looking at the Profit Margin, with a value of 16.83%, ENVA is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
In the last couple of years the Profit Margin of ENVA has grown nicely.
ENVA has a better Operating Margin (40.66%) than 92.73% of its industry peers.
In the last couple of years the Operating Margin of ENVA has grown nicely.
| 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.
Compared to 1 year ago, ENVA has less shares outstanding
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 2.72 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA's Altman-Z score of 2.72 is amongst the best of the industry. ENVA outperforms 87.27% 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.
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.
The Debt to Equity ratio of ENVA (3.20) is comparable to the rest of the 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 | 2.72 |
ROIC/WACC0.95
WACC10.1%
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.
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
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.
ENVA shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.81%.
Measured over the past years, ENVA shows a small growth in Revenue. The Revenue has been growing by 5.42% on average per year.
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.
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
ENVA is valuated correctly with a Price/Earnings ratio of 13.45.
Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.38. ENVA is valued slightly cheaper when compared to this.
ENVA is valuated reasonably with a Price/Forward Earnings ratio of 11.18.
ENVA's Price/Forward Earnings is on the same level as the industry average.
ENVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 11.18 |
4.2 Price Multiples
67.27% of the companies in the same industry are more expensive than ENVA, based on the Enterprise Value to EBITDA ratio.
78.18% of the companies in the same industry are more expensive than ENVA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.38 | ||
| EV/EBITDA | 10.82 |
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)0.32
PEG (5Y)0.69
EPS Next 2Y26.36%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
163.85
-0.46 (-0.28%)
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 Cap4.06B
Revenue(TTM)1.74B
Net Income(TTM)293.00M
Analysts84.29
Price Target143.44 (-12.46%)
Short Float %6.88%
Short Ratio6.39
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)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 | 13.45 | ||
| Fwd PE | 11.18 | ||
| P/S | 2.33 | ||
| P/FCF | 2.38 | ||
| P/OCF | 2.32 | ||
| P/B | 3.17 | ||
| P/tB | 4.07 | ||
| EV/EBITDA | 10.82 |
EPS(TTM)12.18
EY7.43%
EPS(NY)14.66
Fwd EY8.95%
FCF(TTM)68.79
FCFY41.98%
OCF(TTM)70.6
OCFY43.09%
SpS70.22
BVpS51.73
TBVpS40.29
PEG (NY)0.32
PEG (5Y)0.69
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 | 2.72 |
F-Score8
WACC10.1%
ROIC/WACC0.95
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 6 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Fairly Valued.
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 13.45 and the Price/Book (PB) ratio is 3.17.
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.