ENOVA INTERNATIONAL INC (ENVA) Fundamental Analysis & Valuation
NYSE:ENVA • US29357K1034
134.11 USD
-1.3 (-0.96%)
At close: Mar 13, 2026
134.11 USD
0 (0%)
After Hours: 3/13/2026, 5:25:18 PM
This ENVA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
ENVA gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. ENVA is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. ENVA is growing strongly while it also seems undervalued. This is an interesting combination These ratings could make ENVA a good candidate for value and growth investing.
1. ENVA Profitability Analysis
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
- With a decent Return On Assets value of 4.77%, ENVA is doing good in the industry, outperforming 62.96% of the companies in the same industry.
- With a decent Return On Equity value of 23.07%, ENVA is doing good in the industry, outperforming 75.93% of the companies in the same industry.
- ENVA's Return On Invested Capital of 9.25% is fine compared to the rest 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 last Return On Invested Capital (9.25%) for ENVA is above the 3 year average (8.59%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.77% | ||
| ROE | 23.07% | ||
| ROIC | 9.25% |
ROA(3y)4.19%
ROA(5y)5.47%
ROE(3y)18.23%
ROE(5y)19.12%
ROIC(3y)8.59%
ROIC(5y)9.25%
1.3 Margins
- The Profit Margin of ENVA (16.85%) is better than 66.67% of its industry peers.
- In the last couple of years the Profit Margin of ENVA has declined.
- ENVA has a better Operating Margin (40.40%) than 90.74% of its industry peers.
- ENVA's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.4% | ||
| PM (TTM) | 16.85% | ||
| GM | N/A |
OM growth 3Y5.55%
OM growth 5Y-5.03%
PM growth 3Y-3.17%
PM growth 5Y-21.13%
GM growth 3YN/A
GM growth 5YN/A
2. ENVA Health Analysis
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.
- 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.
- The debt/assets ratio for ENVA is higher compared to a year ago.
2.2 Solvency
- ENVA has an Altman-Z score of 2.55. 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.
- ENVA has a Altman-Z score of 2.55. This is amongst the best in the industry. ENVA outperforms 83.33% of its industry peers.
- The Debt to FCF ratio of ENVA is 2.54, which is a good value as it means it would take ENVA, 2.54 years of fcf income to pay off all of its debts.
- ENVA has a better Debt to FCF ratio (2.54) than 79.63% of its industry peers.
- A Debt/Equity ratio of 3.37 is on the high side and indicates that ENVA has dependencies on debt financing.
- ENVA's Debt to Equity ratio of 3.37 is in line compared to the rest of the industry. ENVA outperforms 42.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.37 | ||
| Debt/FCF | 2.54 | ||
| Altman-Z | 2.55 |
ROIC/WACC1.14
WACC8.1%
2.3 Liquidity
- ENVA has a Current Ratio of 19.62. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Current ratio value of 19.62, ENVA belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
- ENVA has a Quick Ratio of 19.62. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Quick ratio value of 19.62, ENVA belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 19.62 | ||
| Quick Ratio | 19.62 |
3. ENVA Growth Analysis
3.1 Past
- ENVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.94%, 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 12.29% yearly.
- The Revenue has grown by 19.67% in the past year. This is quite good.
- ENVA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.75% yearly.
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
Revenue 1Y (TTM)19.67%
Revenue growth 3Y17.87%
Revenue growth 5Y21.75%
Sales Q2Q%15.06%
3.2 Future
- Based on estimates for the next years, ENVA will show a very strong growth in Earnings Per Share. The EPS will grow by 24.46% on average per year.
- The Revenue is expected to grow by 19.95% on average over the next years. This is quite good.
EPS Next Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue Next Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
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 stable: in the next years the growth will be about the same than in the last years.
4. ENVA Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.29, the valuation of ENVA can be described as reasonable.
- ENVA's Price/Earnings ratio is in line with the industry average.
- ENVA is valuated cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 8.34, 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 23.82, ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 8.34 |
4.2 Price Multiples
- ENVA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 66.67% of the companies in the same industry.
- 77.78% 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 | 10 |
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.
- ENVA's earnings are expected to grow with 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)0.84
EPS Next 2Y21.21%
EPS Next 3Y24.46%
5. ENVA Dividend Analysis
5.1 Amount
- No dividends for ENVA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
ENVA Fundamentals: All Metrics, Ratios and Statistics
134.11
-1.3 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27 2026-01-27/amc
Earnings (Next)04-27 2026-04-27/amc
Inst Owners95.15%
Inst Owner Change4.95%
Ins Owners4.44%
Ins Owner Change-1.15%
Market Cap3.35B
Revenue(TTM)1.83B
Net Income(TTM)308.39M
Analysts86.15
Price Target197.59 (47.33%)
Short Float %7.89%
Short Ratio5.62
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)7.95%
Min EPS beat(2)7.05%
Max EPS beat(2)8.86%
EPS beat(4)4
Avg EPS beat(4)6.99%
Min EPS beat(4)5.92%
Max EPS beat(4)8.86%
EPS beat(8)8
Avg EPS beat(8)7.31%
EPS beat(12)11
Avg EPS beat(12)4.63%
EPS beat(16)15
Avg EPS beat(16)4.4%
Revenue beat(2)0
Avg Revenue beat(2)-2.16%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-1.87%
Revenue beat(4)0
Avg Revenue beat(4)-1.44%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)-0.44%
Revenue beat(8)2
Avg Revenue beat(8)-0.63%
Revenue beat(12)4
Avg Revenue beat(12)-4%
Revenue beat(16)4
Avg Revenue beat(16)-11.97%
PT rev (1m)0%
PT rev (3m)37.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.64%
EPS NY rev (1m)0%
EPS NY rev (3m)9.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.29 | ||
| Fwd PE | 8.34 | ||
| P/S | 1.83 | ||
| P/FCF | 1.89 | ||
| P/OCF | 1.84 | ||
| P/B | 2.51 | ||
| P/tB | 3.18 | ||
| EV/EBITDA | 10 |
EPS(TTM)13.03
EY9.72%
EPS(NY)16.08
Fwd EY11.99%
FCF(TTM)70.85
FCFY52.83%
OCF(TTM)72.74
OCFY54.24%
SpS73.18
BVpS53.45
TBVpS42.13
PEG (NY)0.44
PEG (5Y)0.84
Graham Number125.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.77% | ||
| ROE | 23.07% | ||
| ROCE | 12% | ||
| ROIC | 9.25% | ||
| ROICexc | 9.36% | ||
| ROICexgc | 9.81% | ||
| OM | 40.4% | ||
| PM (TTM) | 16.85% | ||
| GM | N/A | ||
| FCFM | 96.82% |
ROA(3y)4.19%
ROA(5y)5.47%
ROE(3y)18.23%
ROE(5y)19.12%
ROIC(3y)8.59%
ROIC(5y)9.25%
ROICexc(3y)8.7%
ROICexc(5y)9.53%
ROICexgc(3y)9.23%
ROICexgc(5y)10.4%
ROCE(3y)11.14%
ROCE(5y)12%
ROICexgc growth 3Y1.73%
ROICexgc growth 5Y-13.13%
ROICexc growth 3Y3.26%
ROICexc growth 5Y-10.59%
OM growth 3Y5.55%
OM growth 5Y-5.03%
PM growth 3Y-3.17%
PM growth 5Y-21.13%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.37 | ||
| Debt/FCF | 2.54 | ||
| Debt/EBITDA | 5.76 | ||
| Cap/Depr | 112.69% | ||
| Cap/Sales | 2.58% | ||
| Interest Coverage | 2.3 | ||
| Cash Conversion | 232.84% | ||
| Profit Quality | 574.59% | ||
| Current Ratio | 19.62 | ||
| Quick Ratio | 19.62 | ||
| Altman-Z | 2.55 |
F-Score7
WACC8.1%
ROIC/WACC1.14
Cap/Depr(3y)113.08%
Cap/Depr(5y)108.26%
Cap/Sales(3y)3.03%
Cap/Sales(5y)3.18%
Profit Quality(3y)642.98%
Profit Quality(5y)502.3%
High Growth Momentum
Growth
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
EPS Next Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue 1Y (TTM)19.67%
Revenue growth 3Y17.87%
Revenue growth 5Y21.75%
Sales Q2Q%15.06%
Revenue Next Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y26.5%
EBIT growth 3Y24.41%
EBIT growth 5Y15.63%
EBIT Next Year28.8%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.51%
FCF growth 3Y27.73%
FCF growth 5Y20.02%
OCF growth 1Y18.23%
OCF growth 3Y26.72%
OCF growth 5Y19.68%
ENOVA INTERNATIONAL INC / ENVA FAQ
Can you provide the ChartMill fundamental rating for ENOVA INTERNATIONAL INC?
ChartMill assigns a fundamental rating of 6 / 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 6 / 10.
How financially healthy is ENOVA INTERNATIONAL INC?
The financial health rating of ENOVA INTERNATIONAL INC (ENVA) is 7 / 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 23.43% in the next year.