ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis

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

158.74 USD
-2.36 (-1.46%)
At close: Feb 9, 2026
158.74 USD
0 (0%)
After Hours: 2/9/2026, 4:15:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ENVA. ENVA was compared to 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 may be a bit undervalued, certainly considering the very reasonable score on growth 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.
  • ENVA had positive earnings in 4 of the past 5 years.
  • ENVA had a positive operating cash flow in 4 of the past 5 years.
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.
  • With a decent Return On Equity value of 22.86%, ENVA is doing good in the industry, outperforming 77.78% of the companies in the same industry.
  • 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 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 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

  • ENVA has a better Profit Margin (16.85%) than 64.81% of its industry peers.
  • ENVA's Profit Margin has improved in the last couple of years.
  • ENVA has a Operating Margin of 40.64%. This is amongst the best in 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

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.
  • 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 2.71 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.71, ENVA belongs to the top of the industry, outperforming 85.19% 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's Debt to FCF ratio of 2.41 is amongst the best of the industry. ENVA outperforms 83.33% 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 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 RankSector Rank
Debt/Equity 3.2
Debt/FCF 2.41
Altman-Z 2.71
ROIC/WACC1.14
WACC8.36%
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

  • A Current Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
  • Looking at the Current 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.
  • 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 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

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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

  • ENVA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.46% yearly.
  • ENVA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.95% yearly.
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

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.18 indicates a correct valuation of ENVA.
  • ENVA's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.93, ENVA is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.87, which indicates a very decent valuation of ENVA.
  • ENVA's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of ENVA to the average of the S&P500 Index (27.77), we can say ENVA is valued rather cheaply.
Industry RankSector Rank
PE 12.18
Fwd PE 9.87
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

  • ENVA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 70.37% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.31
EV/EBITDA 10.72
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.
  • ENVA has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as ENVA's earnings are expected to grow with 24.46% in the coming years.
PEG (NY)0.52
PEG (5Y)0.99
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

  • No dividends for ENVA!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

ENOVA INTERNATIONAL INC

NYSE:ENVA (2/9/2026, 4:15:00 PM)

After market: 158.74 0 (0%)

158.74

-2.36 (-1.46%)

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 Cap3.94B
Revenue(TTM)N/A
Net Income(TTM)293.41M
Analysts84.29
Price Target197.59 (24.47%)
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 12.18
Fwd PE 9.87
P/S 2.26
P/FCF 2.31
P/OCF 2.25
P/B 3.07
P/tB 3.94
EV/EBITDA 10.72
EPS(TTM)13.03
EY8.21%
EPS(NY)16.08
Fwd EY10.13%
FCF(TTM)68.78
FCFY43.33%
OCF(TTM)70.62
OCFY44.49%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.52
PEG (5Y)0.99
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 2.71
F-Score8
WACC8.36%
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.