ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
156.87 USD
+1.64 (+1.06%)
156.87 USD
0 (0%)
Taking everything into account, ENVA scores 7 out of 10 in our fundamental rating. ENVA was compared to 54 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making ENVA a very profitable company, without any liquidiy or solvency issues. ENVA is evaluated to be cheap and growing strongly. This does not happen too often! With these ratings, ENVA could be worth investigating further 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.
- In the past 5 years ENVA has always been profitable.
- ENVA had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ENVA has a better Return On Assets (4.92%) than 66.67% of its industry peers.
- Looking at the Return On Equity, with a value of 22.86%, ENVA is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
- ENVA has a Return On Invested Capital of 9.57%. This is in the better half of the industry: ENVA outperforms 72.22% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital 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 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
- ENVA has a Profit Margin of 16.85%. This is in the better half of the industry: ENVA outperforms 64.81% of its industry peers.
- In the last couple of years the Profit Margin of ENVA has grown nicely.
- ENVA has a better Operating Margin (40.64%) 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 | 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ENVA is still 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
- ENVA has an Altman-Z score of 2.69. 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.
- The Altman-Z score of ENVA (2.69) is better than 83.33% of its industry peers.
- ENVA has a debt to FCF ratio of 2.41. This is a good value and a sign of high solvency as ENVA would need 2.41 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.41, ENVA belongs to the top 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.
- 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 | 2.69 |
ROIC/WACC1.12
WACC8.51%
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 98.15% 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.
- ENVA's Quick ratio of 21.75 is amongst the best of the industry. ENVA outperforms 98.15% 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.
- The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
- Looking at the last year, ENVA shows a very strong growth in Revenue. 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
- ENVA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.68% yearly.
EPS Next Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue Next Year18.59%
Revenue Next 2Y17.45%
Revenue Next 3Y16.68%
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
- ENVA is valuated correctly with a Price/Earnings ratio of 12.88.
- ENVA's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of ENVA to the average of the S&P500 Index (27.38), we can say ENVA is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.55, which indicates a very decent valuation of ENVA.
- The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
- ENVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.88 | ||
| Fwd PE | 10.55 |
4.2 Price Multiples
- 70.37% of the companies in the same industry are more expensive than ENVA, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 79.63% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.28 | ||
| EV/EBITDA | 10.58 |
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 25.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)0.66
EPS Next 2Y27.26%
EPS Next 3Y25.89%
5. Dividend
5.1 Amount
- No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
156.87
+1.64 (+1.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-27 2026-01-27/amc
Inst Owners95.29%
Inst Owner Change0.07%
Ins Owners4.55%
Ins Owner Change-0.38%
Market Cap3.89B
Revenue(TTM)1.74B
Net Income(TTM)293.41M
Analysts84.29
Price Target188.19 (19.97%)
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)31.2%
PT rev (3m)42.06%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)10.44%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)5.11%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-2.83%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.88 | ||
| Fwd PE | 10.55 | ||
| P/S | 2.23 | ||
| P/FCF | 2.28 | ||
| P/OCF | 2.22 | ||
| P/B | 3.03 | ||
| P/tB | 3.89 | ||
| EV/EBITDA | 10.58 |
EPS(TTM)12.18
EY7.76%
EPS(NY)14.87
Fwd EY9.48%
FCF(TTM)68.78
FCFY43.85%
OCF(TTM)70.62
OCFY45.02%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.31
PEG (5Y)0.66
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 | 2.69 |
F-Score8
WACC8.51%
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 2Y17.45%
Revenue Next 3Y16.68%
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.