ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:ENVA • US29357K1034

156.345 USD
-2.4 (-1.51%)
Last: Feb 10, 2026, 02:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

ENVA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. ENVA has an excellent financial health rating, but there are some minor concerns on its profitability. ENVA is valued quite cheap, while showing a decent growth score. This is a good combination! This makes ENVA very considerable for value investing!


Dividend Valuation Growth Profitability Health

6

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.
  • Of the past 5 years ENVA 4 years were profitable.
  • Of the past 5 years ENVA 4 years had a positive operating cash flow.
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 500M 1B 1.5B

1.2 Ratios

  • With a decent Return On Assets value of 4.92%, ENVA is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • ENVA has a Return On Equity of 22.86%. This is in the better half of the industry: ENVA outperforms 77.78% of its industry peers.
  • The Return On Invested Capital of ENVA (9.57%) is better than 72.22% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ENVA 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 RankSector 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%
ENVA Yearly ROA, ROE, ROICENVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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 improved in the last couple of years.
  • ENVA's Operating Margin of 40.64% is amongst the best of the industry. ENVA outperforms 92.59% of its industry peers.
  • ENVA's Operating Margin has improved in the last couple of years.
Industry RankSector 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
ENVA Yearly Profit, Operating, Gross MarginsENVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

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.
  • There is no outstanding debt for ENVA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ENVA Yearly Shares OutstandingENVA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B 5B

2.2 Solvency

  • An Altman-Z score of 2.70 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 (2.70) than 83.33% 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.
  • With an excellent Debt to FCF ratio value of 2.41, ENVA belongs to the best of the industry, outperforming 83.33% 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.
  • ENVA has a Debt to Equity ratio of 3.20. This is comparable to the rest of the industry: ENVA outperforms 44.44% 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 RankSector Rank
Debt/Equity 3.2
Debt/FCF 2.41
Altman-Z 2.7
ROIC/WACC1.14
WACC8.37%
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 1B 2B 3B

2.3 Liquidity

  • ENVA has a Current Ratio of 21.75. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
  • ENVA has a Current ratio of 21.75. This is amongst the best in the industry. ENVA outperforms 98.15% 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 98.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 21.75
Quick Ratio 21.75
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 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

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.
  • 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.
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.06%

3.2 Future

  • Based on estimates for the next years, ENVA will show a very strong growth in Earnings Per Share. The EPS will grow by 24.46% on average per year.
  • The Revenue is expected to grow by 19.95% on average over the next years. This is quite good.
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.
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

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • ENVA is valuated reasonably with a Price/Earnings ratio of 12.00.
  • 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 28.06. ENVA is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 9.72 indicates a reasonable valuation of ENVA.
  • The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
  • The average S&P500 Price/Forward Earnings ratio is at 27.86. ENVA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12
Fwd PE 9.72
ENVA Price Earnings VS Forward Price EarningsENVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 77.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.27
EV/EBITDA 10.65
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)0.51
PEG (5Y)0.98
EPS Next 2Y21.21%
EPS Next 3Y24.46%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

ENOVA INTERNATIONAL INC

NYSE:ENVA (2/10/2026, 2:46:06 PM)

156.345

-2.4 (-1.51%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners95.29%
Inst Owner Change2.65%
Ins Owners4.55%
Ins Owner Change-0.21%
Market Cap3.88B
Revenue(TTM)N/A
Net Income(TTM)293.41M
Analysts84.29
Price Target197.59 (26.38%)
Short Float %7.9%
Short Ratio6.16
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)7.5%
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)7.92%
PT rev (3m)37.75%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 12
Fwd PE 9.72
P/S 2.23
P/FCF 2.27
P/OCF 2.21
P/B 3.02
P/tB 3.88
EV/EBITDA 10.65
EPS(TTM)13.03
EY8.33%
EPS(NY)16.08
Fwd EY10.29%
FCF(TTM)68.78
FCFY44%
OCF(TTM)70.62
OCFY45.17%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.51
PEG (5Y)0.98
Graham Number123.19
Profitability
Industry RankSector 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 RankSector 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 2.7
F-Score8
WACC8.37%
ROIC/WACC1.14
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year41.04%
EBIT Next 3Y21.99%
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 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.


What is the profitability of ENVA stock?

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


How financially healthy is ENOVA INTERNATIONAL INC?

The financial health rating of ENOVA INTERNATIONAL INC (ENVA) is 7 / 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.