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%)
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 has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. ENVA has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! With these ratings, ENVA could be worth investigating further for value and 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.
Each year in the past 5 years ENVA had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ENVA (4.92%) is better than 67.27% of its industry peers.
ENVA has a Return On Equity of 22.86%. This is in the better half of the industry: ENVA outperforms 78.18% of its industry peers.
ENVA has a Return On Invested Capital of 9.57%. This is in the better half of the industry: ENVA outperforms 72.73% of its industry peers.
ENVA had an Average Return On Invested Capital over the past 3 years of 8.27%. This is below the industry average of 12.42%.
The 3 year average ROIC (8.27%) for ENVA is below the current ROIC(9.57%), indicating increased profibility in the last year.
| 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
The Profit Margin of ENVA (16.85%) is better than 65.45% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
ENVA has a better Operating Margin (40.64%) than 92.73% of its industry peers.
ENVA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.64% | ||
| 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
ENVA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for ENVA has been reduced compared to 1 year ago.
ENVA has less shares outstanding than it did 5 years ago.
ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
ENVA has an Altman-Z score of 2.72. 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 2.72, ENVA belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
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.
ENVA has a better Debt to FCF ratio (2.41) than 83.64% of its industry peers.
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 (3.20) which is in line with 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 | 2.72 |
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 has a Current ratio of 21.75. This is amongst the best in the industry. ENVA outperforms 98.18% 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.
ENVA has a Quick ratio of 21.75. This is amongst the best in 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.
ENVA shows a strong growth in Revenue. In the last year, 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
The Earnings Per Share is expected to grow by 25.89% 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 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
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.27, the valuation of ENVA can be described as correct.
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.
Based on the Price/Forward Earnings ratio of 10.87, the valuation of ENVA can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ENVA is on the same level as its industry peers.
ENVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.88.
| 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 the industry average as 67.27% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.35 | ||
| EV/EBITDA | 10.85 |
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 25.89% in the coming years. This may justify a more expensive valuation.
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 | 10.85 |
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 | 2.72 |
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.