ENOVA INTERNATIONAL INC (ENVA)
US29357K1034 - Common Stock
ENVA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 51 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 may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make ENVA a good candidate for value and quality investing.
1. Profitability
1.1 Basic Checks
In the past year ENVA was profitable.
In the past year ENVA had a positive cash flow from operations.
In the past 5 years ENVA has always been profitable.
In the past 5 years ENVA always reported a positive cash flow from operatings.
1.2 Ratios
ENVA has a better Return On Assets (3.82%) than 82.35% of its industry peers.
ENVA's Return On Equity of 14.12% is fine compared to the rest of the industry. ENVA outperforms 60.78% of its industry peers.
ENVA has a better Return On Invested Capital (7.47%) than 86.27% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ENVA is above the industry average of 6.30%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 14.12% | ||
| ROIC | 7.47% |
ROA(3y)6.2%
ROA(5y)7.77%
ROE(3y)18.35%
ROE(5y)21.19%
ROIC(3y)9.27%
ROIC(5y)10.95%
1.3 Margins
The Profit Margin of ENVA (14.23%) is better than 64.71% of its industry peers.
In the last couple of years the Profit Margin of ENVA has grown nicely.
With an excellent Operating Margin value of 34.31%, ENVA belongs to the best of the industry, outperforming 96.08% of the companies in the same industry.
In the last couple of years the Operating Margin of ENVA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 34.31% | ||
| PM (TTM) | 14.23% | ||
| GM | N/A |
OM growth 3Y-13.1%
OM growth 5Y13.71%
PM growth 3Y-36.35%
PM growth 5Y14.59%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ENVA is creating some 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.
Compared to 1 year ago, ENVA has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.34 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of ENVA (2.34) is better than 82.35% of its industry peers.
The Debt to FCF ratio of ENVA is 2.62, which is a good value as it means it would take ENVA, 2.62 years of fcf income to pay off all of its debts.
ENVA has a better Debt to FCF ratio (2.62) than 78.43% of its industry peers.
A Debt/Equity ratio of 2.37 is on the high side and indicates that ENVA has dependencies on debt financing.
With a Debt to Equity ratio value of 2.37, ENVA perfoms like the industry average, outperforming 49.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | 2.62 | ||
| Altman-Z | 2.34 |
ROIC/WACC0.92
WACC8.16%
2.3 Liquidity
A Current Ratio of 15.79 indicates that ENVA has no problem at all paying its short term obligations.
With an excellent Current ratio value of 15.79, ENVA belongs to the best of the industry, outperforming 96.08% of the companies in the same industry.
A Quick Ratio of 15.79 indicates that ENVA has no problem at all paying its short term obligations.
ENVA's Quick ratio of 15.79 is amongst the best of the industry. ENVA outperforms 96.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 15.79 | ||
| Quick Ratio | 15.79 |
3. Growth
3.1 Past
ENVA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.44%.
The Earnings Per Share has been growing by 21.44% on average over the past years. This is a very strong growth
Looking at the last year, ENVA shows a quite strong growth in Revenue. The Revenue has grown by 10.05% in the last year.
The Revenue has been growing slightly by 4.81% on average over the past years.
EPS 1Y (TTM)0.44%
EPS 3Y-2.15%
EPS 5Y21.44%
EPS growth Q2Q3.98%
Revenue 1Y (TTM)10.05%
Revenue growth 3Y21.59%
Revenue growth 5Y4.81%
Revenue growth Q2Q12.04%
3.2 Future
The Earnings Per Share is expected to grow by 20.52% 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 13.29% on average per year.
EPS Next Y21.03%
EPS Next 2Y20.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.04%
Revenue Next 2Y13.29%
Revenue Next 3YN/A
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
The Price/Earnings ratio is 9.24, which indicates a very decent valuation of ENVA.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
When comparing the Price/Earnings ratio of ENVA to the average of the S&P500 Index (24.92), we can say ENVA is valued rather cheaply.
The Price/Forward Earnings ratio is 7.64, which indicates a rather cheap valuation of ENVA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 72.55% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.49. ENVA is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.24 | ||
| Fwd PE | 7.64 |
4.2 Price Multiples
ENVA's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ENVA is cheaper than 86.27% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than the industry average as 78.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.55 | ||
| EV/EBITDA | 10.01 |
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.
A more expensive valuation may be justified as ENVA's earnings are expected to grow with 20.52% in the coming years.
PEG (NY)0.44
PEG (5Y)0.43
EPS Next 2Y20.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
ENOVA INTERNATIONAL INC
NYSE:ENVA (4/26/2024, 7:04:00 PM)
After market: 63.23 0 (0%)63.23
+0.78 (+1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.74B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.24 | ||
| Fwd PE | 7.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.44
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | 14.12% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 34.31% | ||
| PM (TTM) | 14.23% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.37 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 15.79 | ||
| Quick Ratio | 15.79 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)0.44%
EPS 3Y-2.15%
EPS 5Y
EPS growth Q2Q
EPS Next Y21.03%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)10.05%
Revenue growth 3Y21.59%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y