ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
150.83 USD
+9.43 (+6.67%)
Overall ENVA gets a fundamental rating of 7 out of 10. We evaluated ENVA against 55 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. This makes ENVA very considerable for value and growth and quality investing!
1. Profitability
1.1 Basic Checks
In the past year ENVA was profitable.
ENVA had a positive operating cash flow in the past year.
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 4.91%, ENVA is in the better half of the industry, outperforming 70.91% of the companies in the same industry.
ENVA's Return On Equity of 22.82% is fine compared to the rest of the industry. ENVA outperforms 80.00% of its industry peers.
ENVA's Return On Invested Capital of 9.56% is fine compared to the rest of the industry. ENVA outperforms 74.55% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ENVA is below the industry average of 12.59%.
The last Return On Invested Capital (9.56%) for ENVA is above the 3 year average (8.26%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.91% | ||
| ROE | 22.82% | ||
| ROIC | 9.56% |
ROA(3y)4.42%
ROA(5y)8.09%
ROE(3y)16.35%
ROE(5y)22.74%
ROIC(3y)8.26%
ROIC(5y)10.19%
1.3 Margins
The Profit Margin of ENVA (16.83%) is better than 69.09% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
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-1.77%
OM growth 5Y12.59%
PM growth 3Y-18.26%
PM growth 5Y34.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ENVA is destroying value.
ENVA has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, ENVA has less shares outstanding
Compared to 1 year ago, ENVA has a worse debt to assets ratio.
2.2 Solvency
ENVA has an Altman-Z score of 2.64. 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.
With an excellent Altman-Z score value of 2.64, ENVA belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
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 83.64% of the companies in the same industry.
A Debt/Equity ratio of 3.20 is on the high side and indicates that ENVA has dependencies on debt financing.
ENVA's Debt to Equity ratio of 3.20 is in line compared to the rest of the industry. ENVA outperforms 41.82% 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 | 2.64 |
ROIC/WACC0.93
WACC10.29%
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 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.
ENVA's Quick ratio of 21.75 is amongst the best of the industry. ENVA outperforms 96.36% of its industry peers.
| 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.
The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
ENVA shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.81%.
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 23.67% 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 17.77% yearly.
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 12.38 indicates a correct valuation of ENVA.
ENVA's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.59. ENVA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.29, the valuation of ENVA can be described as very reasonable.
ENVA's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.38 | ||
| Fwd PE | 10.29 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ENVA indicates a somewhat cheap valuation: ENVA is cheaper than 72.73% of the companies listed in the same industry.
78.18% 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 | 2.19 | ||
| EV/EBITDA | 10.07 |
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.
ENVA has a very decent profitability rating, which may justify a higher PE ratio.
ENVA's earnings are expected to grow with 23.67% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.63
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 |
NYSE:ENVA (12/11/2025, 9:51:30 AM)
150.83
+9.43 (+6.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners95.24%
Inst Owner Change-5.03%
Ins Owners4.54%
Ins Owner Change-0.38%
Market Cap3.74B
Revenue(TTM)1.74B
Net Income(TTM)293.00M
Analysts84.29
Price Target143.44 (-4.9%)
Short Float %6.85%
Short Ratio6.82
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)0%
PT rev (3m)7.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.37%
EPS NY rev (1m)0%
EPS NY rev (3m)5.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.38 | ||
| Fwd PE | 10.29 | ||
| P/S | 2.15 | ||
| P/FCF | 2.19 | ||
| P/OCF | 2.14 | ||
| P/B | 2.92 | ||
| P/tB | 3.74 | ||
| EV/EBITDA | 10.07 |
EPS(TTM)12.18
EY8.08%
EPS(NY)14.66
Fwd EY9.72%
FCF(TTM)68.79
FCFY45.61%
OCF(TTM)70.6
OCFY46.81%
SpS70.22
BVpS51.73
TBVpS40.29
PEG (NY)0.3
PEG (5Y)0.63
Graham Number119.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.91% | ||
| ROE | 22.82% | ||
| ROCE | 12.4% | ||
| ROIC | 9.56% | ||
| ROICexc | 9.65% | ||
| ROICexgc | 10.16% | ||
| OM | 40.66% | ||
| PM (TTM) | 16.83% | ||
| GM | N/A | ||
| FCFM | 97.97% |
ROA(3y)4.42%
ROA(5y)8.09%
ROE(3y)16.35%
ROE(5y)22.74%
ROIC(3y)8.26%
ROIC(5y)10.19%
ROICexc(3y)8.42%
ROICexc(5y)10.94%
ROICexgc(3y)9.07%
ROICexgc(5y)12.41%
ROCE(3y)10.71%
ROCE(5y)13.21%
ROICexgc growth 3Y-13.53%
ROICexgc growth 5Y-10.3%
ROICexc growth 3Y-11.26%
ROICexc growth 5Y-7.56%
OM growth 3Y-1.77%
OM growth 5Y12.59%
PM growth 3Y-18.26%
PM growth 5Y34.41%
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 | 104.65% | ||
| Cap/Sales | 2.58% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 233.15% | ||
| Profit Quality | 582.25% | ||
| Current Ratio | 21.75 | ||
| Quick Ratio | 21.75 | ||
| Altman-Z | 2.64 |
F-Score8
WACC10.29%
ROIC/WACC0.93
Cap/Depr(3y)114.69%
Cap/Depr(5y)115.55%
Cap/Sales(3y)3.46%
Cap/Sales(5y)3.52%
Profit Quality(3y)588.99%
Profit Quality(5y)425.56%
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 1Y34.33%
EBIT growth 3Y12.28%
EBIT growth 5Y18.69%
EBIT Next Year40.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y58.26%
FCF growth 3Y50.12%
FCF growth 5Y11.83%
OCF growth 1Y56.1%
OCF growth 3Y48.3%
OCF growth 5Y11.94%
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 7 / 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 12.38 and the Price/Book (PB) ratio is 2.92.
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.