ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - NYSE:ENVA - US29357K1034 - Common Stock
129.2 USD
+1.94 (+1.52%)
130.2 USD
+1 (+0.77%)
Overall ENVA gets a fundamental rating of 7 out of 10. We evaluated ENVA against 55 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 is evaluated to be cheap and growing strongly. This does not happen too often! 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.
ENVA had positive earnings in each of the past 5 years.
Each year in the past 5 years ENVA had a positive operating cash flow.
1.2 Ratios
ENVA has a Return On Assets of 4.92%. This is in the better half of the industry: ENVA outperforms 70.91% of its industry peers.
ENVA has a Return On Equity of 22.83%. This is amongst the best in the industry. ENVA outperforms 81.82% of its industry peers.
The Return On Invested Capital of ENVA (9.57%) is better than 78.18% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ENVA is below the industry average of 11.61%.
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 | 22.83% | ||
| 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's Profit Margin of 16.83% is fine compared to the rest of the industry. ENVA outperforms 70.91% of its industry peers.
In the last couple of years the Profit Margin of ENVA has grown nicely.
ENVA's Operating Margin of 40.66% is amongst the best of the industry. ENVA outperforms 92.73% of its industry peers.
ENVA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| 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.
The number of shares outstanding for ENVA has been reduced compared to 1 year ago.
ENVA has less shares outstanding than it did 5 years ago.
ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.60 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
ENVA has a better Altman-Z score (2.60) than 81.82% 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.
ENVA has a better Debt to FCF ratio (2.41) than 81.82% of its industry peers.
ENVA has a Debt/Equity ratio of 3.20. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.20, ENVA perfoms like the industry average, outperforming 41.82% of the companies in the same 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 | 3.2 | ||
| Debt/FCF | 2.41 | ||
| Altman-Z | 2.6 |
ROIC/WACC0.87
WACC11.01%
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.
ENVA has a better Current ratio (21.75) than 96.36% of its industry peers.
A Quick Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 21.75, ENVA belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 45.00% 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 20.81% 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)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 23.67% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 17.77% on average over the next years. This is quite good.
EPS Next Y41.52%
EPS Next 2Y26.36%
EPS Next 3Y23.67%
EPS Next 5YN/A
Revenue Next Year18.7%
Revenue Next 2Y17.42%
Revenue Next 3Y17.77%
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.
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
A Price/Earnings ratio of 10.61 indicates a reasonable valuation of ENVA.
Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
When comparing the Price/Earnings ratio of ENVA to the average of the S&P500 Index (26.34), we can say ENVA is valued rather cheaply.
The Price/Forward Earnings ratio is 8.81, which indicates a very decent valuation of ENVA.
The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
ENVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.61 | ||
| Fwd PE | 8.81 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than 74.55% of the companies in the same industry.
85.45% of the companies in the same industry are more expensive than ENVA, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.89 | ||
| EV/EBITDA | 9.64 |
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 23.67% in the coming years.
PEG (NY)0.26
PEG (5Y)0.54
EPS Next 2Y26.36%
EPS Next 3Y23.67%
5. Dividend
5.1 Amount
No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
129.2
+1.94 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners99.19%
Inst Owner Change-0.78%
Ins Owners4.51%
Ins Owner Change0.34%
Market Cap3.23B
Revenue(TTM)1.74B
Net Income(TTM)293.10M
Analysts84.29
Price Target143.44 (11.02%)
Short Float %6.23%
Short Ratio5.44
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)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)8.28%
PT rev (3m)7.25%
EPS NQ rev (1m)10.37%
EPS NQ rev (3m)10.37%
EPS NY rev (1m)5.15%
EPS NY rev (3m)8.23%
Revenue NQ rev (1m)-2.92%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)-0.8%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.61 | ||
| Fwd PE | 8.81 | ||
| P/S | 1.86 | ||
| P/FCF | 1.89 | ||
| P/OCF | 1.85 | ||
| P/B | 2.52 | ||
| P/tB | 3.23 | ||
| EV/EBITDA | 9.64 |
EPS(TTM)12.18
EY9.43%
EPS(NY)14.66
Fwd EY11.35%
FCF(TTM)68.18
FCFY52.77%
OCF(TTM)70.01
OCFY54.18%
SpS69.63
BVpS51.33
TBVpS39.96
PEG (NY)0.26
PEG (5Y)0.54
Graham Number118.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.92% | ||
| ROE | 22.83% | ||
| ROCE | 12.4% | ||
| ROIC | 9.57% | ||
| ROICexc | 9.66% | ||
| ROICexgc | 10.17% | ||
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| GM | N/A | ||
| FCFM | 97.92% |
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 | 106.19% | ||
| Cap/Sales | 2.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.15% | ||
| Profit Quality | 581.78% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.6 |
F-Score8
WACC11.01%
ROIC/WACC0.87
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 Y41.52%
EPS Next 2Y26.36%
EPS Next 3Y23.67%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
Revenue Next Year18.7%
Revenue Next 2Y17.42%
Revenue Next 3Y17.77%
Revenue Next 5YN/A
EBIT growth 1Y34.32%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year35.4%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.18%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y56.09%
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.
Can you provide the valuation status for ENOVA INTERNATIONAL INC?
ChartMill assigns a valuation rating of 8 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Undervalued.
How profitable is ENOVA INTERNATIONAL INC (ENVA) stock?
ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 7 / 10.
What is the valuation of ENOVA INTERNATIONAL INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ENOVA INTERNATIONAL INC (ENVA) is 10.61 and the Price/Book (PB) ratio is 2.52.
What is the earnings growth outlook for ENOVA INTERNATIONAL INC?
The Earnings per Share (EPS) of ENOVA INTERNATIONAL INC (ENVA) is expected to grow by 41.52% in the next year.