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%)
ENVA gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 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. An interesting combination arises when we look at growth and value: ENVA is growing strongly while it also seems undervalued. 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.
- 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 Return On Assets of 4.92%. This is in the better half of the industry: ENVA outperforms 66.67% of its industry peers.
- ENVA's Return On Equity of 22.86% is fine compared to the rest of the industry. ENVA outperforms 77.78% of its industry peers.
- 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.
- 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 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
- The Profit Margin of ENVA (16.85%) is better than 64.81% of its industry peers.
- ENVA's Profit Margin has improved in the last couple of years.
- With an excellent Operating Margin value of 40.64%, ENVA belongs to the best of the industry, outperforming 92.59% 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 | 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
- ENVA has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for ENVA is higher compared to a year ago.
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.
- 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.
- 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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.2 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | 2.69 |
ROIC/WACC1.12
WACC8.51%
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.
- 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.
- 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.
- The Quick ratio of ENVA (21.75) is better than 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.
- 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 20.81% in the past year. This is a very strong growth!
- Measured over the past years, ENVA shows a small growth in Revenue. The Revenue has been growing by 5.42% on average per year.
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
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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
- With a Price/Earnings ratio of 12.88, ENVA is valued correctly.
- The rest of the industry has a similar Price/Earnings ratio as ENVA.
- The average S&P500 Price/Earnings ratio is at 27.38. ENVA is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 10.55, the valuation of ENVA can be described as reasonable.
- ENVA's Price/Forward Earnings ratio is in line with the industry average.
- 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
- 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 79.63% of the companies 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.
- 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 25.89% in the coming years.
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.