ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
NYSE:ENVA - US29357K1034 - Common Stock
121.3 USD
-0.45 (-0.37%)
121.3 USD
0 (0%)
We assign a fundamental rating of 7 out of 10 to ENVA. ENVA was compared to 54 industry peers in the Consumer Finance industry. ENVA gets an excellent profitability rating and is at the same time showing great financial health properties. ENVA has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! These ratings would make ENVA suitable for value and growth and quality investing!
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.
Each year in the past 5 years ENVA has been profitable.
Each year in the past 5 years ENVA had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.48%, ENVA is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
ENVA's Return On Equity of 20.85% is amongst the best of the industry. ENVA outperforms 83.33% of its industry peers.
Looking at the Return On Invested Capital, with a value of 9.38%, ENVA is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ENVA is below the industry average of 11.02%.
The last Return On Invested Capital (9.38%) for ENVA is above the 3 year average (8.27%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.48% | ||
| ROE | 20.85% | ||
| ROIC | 9.38% |
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
With a decent Profit Margin value of 15.24%, ENVA is doing good in the industry, outperforming 62.96% 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 (39.55%) than 92.59% of its industry peers.
In the last couple of years the Operating Margin of ENVA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.55% | ||
| PM (TTM) | 15.24% | ||
| 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 below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, ENVA has less shares outstanding
The number of shares outstanding for ENVA has been reduced compared to 5 years ago.
ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.58 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA's Altman-Z score of 2.58 is fine compared to the rest of the industry. ENVA outperforms 79.63% of its industry peers.
The Debt to FCF ratio of ENVA is 2.44, which is a good value as it means it would take ENVA, 2.44 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ENVA (2.44) is better than 81.48% of its industry peers.
A Debt/Equity ratio of 3.23 is on the high side and indicates that ENVA has dependencies on debt financing.
The Debt to Equity ratio of ENVA (3.23) is comparable to the rest of the industry.
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 | 3.23 | ||
| Debt/FCF | 2.44 | ||
| Altman-Z | 2.58 |
ROIC/WACC0.85
WACC11%
2.3 Liquidity
A Current Ratio of 20.45 indicates that ENVA has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 20.45, ENVA belongs to the top of the industry, outperforming 96.30% of the companies in the same industry.
A Quick Ratio of 20.45 indicates that ENVA has no problem at all paying its short term obligations.
ENVA has a Quick ratio of 20.45. This is amongst the best in the industry. ENVA outperforms 96.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 20.45 | ||
| Quick Ratio | 20.45 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 51.28% over the past year.
ENVA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.61% yearly.
The Revenue has grown by 23.54% 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)51.28%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%46.15%
Revenue 1Y (TTM)23.54%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%21.58%
3.2 Future
The Earnings Per Share is expected to grow by 23.42% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 18.32% on average over the next years. This is quite good.
EPS Next Y34.59%
EPS Next 2Y25.49%
EPS Next 3Y23.42%
EPS Next 5YN/A
Revenue Next Year19.66%
Revenue Next 2Y17.63%
Revenue Next 3Y18.32%
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 stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.76, the valuation of ENVA can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
Compared to an average S&P500 Price/Earnings ratio of 27.13, ENVA is valued rather cheaply.
ENVA is valuated reasonably with a Price/Forward Earnings ratio of 8.39.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 64.81% of the companies listed in the same industry.
ENVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.39 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than 72.22% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ENVA is valued cheaper than 87.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.87 | ||
| EV/EBITDA | 9.84 |
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.
ENVA has a very decent profitability rating, which may justify a higher PE ratio.
ENVA's earnings are expected to grow with 23.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)0.55
EPS Next 2Y25.49%
EPS Next 3Y23.42%
5. Dividend
5.1 Amount
ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
121.3
-0.45 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners96.94%
Inst Owner Change2.26%
Ins Owners4.52%
Ins Owner Change0.49%
Market Cap3.03B
Analysts84.29
Price Target133.75 (10.26%)
Short Float %7.98%
Short Ratio5.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)6.03%
Min EPS beat(2)5.92%
Max EPS beat(2)6.14%
EPS beat(4)4
Avg EPS beat(4)7.24%
Min EPS beat(4)3.97%
Max EPS beat(4)12.95%
EPS beat(8)7
Avg EPS beat(8)3.01%
EPS beat(12)11
Avg EPS beat(12)3.73%
EPS beat(16)15
Avg EPS beat(16)7.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.72%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)-0.44%
Revenue beat(4)1
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)1.51%
Revenue beat(8)3
Avg Revenue beat(8)-0.25%
Revenue beat(12)4
Avg Revenue beat(12)-10.02%
Revenue beat(16)4
Avg Revenue beat(16)-13.98%
PT rev (1m)0.96%
PT rev (3m)3.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.03%
EPS NY rev (1m)2.93%
EPS NY rev (3m)2.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.24%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.39 | ||
| P/S | 1.8 | ||
| P/FCF | 1.87 | ||
| P/OCF | 1.82 | ||
| P/B | 2.47 | ||
| P/tB | 3.22 | ||
| EV/EBITDA | 9.84 |
EPS(TTM)11.27
EY9.29%
EPS(NY)14.46
Fwd EY11.92%
FCF(TTM)64.87
FCFY53.48%
OCF(TTM)66.68
OCFY54.97%
SpS67.21
BVpS49.13
TBVpS37.68
PEG (NY)0.31
PEG (5Y)0.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.48% | ||
| ROE | 20.85% | ||
| ROCE | 12.16% | ||
| ROIC | 9.38% | ||
| ROICexc | 9.48% | ||
| ROICexgc | 10.01% | ||
| OM | 39.55% | ||
| PM (TTM) | 15.24% | ||
| GM | N/A | ||
| FCFM | 96.51% |
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%
ROICexcg growth 3Y-13.52%
ROICexcg 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 | 3.23 | ||
| Debt/FCF | 2.44 | ||
| Debt/EBITDA | 5.62 | ||
| Cap/Depr | 111.23% | ||
| Cap/Sales | 2.69% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 236.35% | ||
| Profit Quality | 633.24% | ||
| Current Ratio | 20.45 | ||
| Quick Ratio | 20.45 | ||
| Altman-Z | 2.58 |
F-Score8
WACC11%
ROIC/WACC0.85
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)51.28%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%46.15%
EPS Next Y34.59%
EPS Next 2Y25.49%
EPS Next 3Y23.42%
EPS Next 5YN/A
Revenue 1Y (TTM)23.54%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%21.58%
Revenue Next Year19.66%
Revenue Next 2Y17.63%
Revenue Next 3Y18.32%
Revenue Next 5YN/A
EBIT growth 1Y39.37%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year35.4%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y55.67%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y53.96%
OCF growth 3Y48.28%
OCF growth 5Y11.93%