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ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis

USA - NYSE:ENVA - US29357K1034 - Common Stock

125.34 USD
-1.98 (-1.56%)
Last: 9/23/2025, 7:22:22 PM
125.34 USD
0 (0%)
After Hours: 9/23/2025, 7:22:22 PM
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to ENVA. ENVA was compared to 55 industry peers in the Consumer Finance industry. ENVA has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. ENVA has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination! These ratings would make ENVA suitable for value and growth and quality investing!


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

In the past year ENVA was profitable.
In the past year ENVA had a positive cash flow from operations.
In the past 5 years ENVA has always been profitable.
Each year in the past 5 years ENVA had a positive operating cash flow.
ENVA Yearly Net Income VS EBIT VS OCF VS FCFENVA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

1.2 Ratios

ENVA has a Return On Assets of 4.48%. This is in the better half of the industry: ENVA outperforms 70.91% of its industry peers.
ENVA has a better Return On Equity (20.85%) than 83.64% of its industry peers.
ENVA's Return On Invested Capital of 9.38% is fine compared to the rest of the industry. ENVA outperforms 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 11.02%.
The last Return On Invested Capital (9.38%) for ENVA is above the 3 year average (8.27%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.48%
ROE 20.85%
ROIC 9.38%
ROA(3y)4.43%
ROA(5y)8.1%
ROE(3y)16.37%
ROE(5y)22.75%
ROIC(3y)8.27%
ROIC(5y)10.19%
ENVA Yearly ROA, ROE, ROICENVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

1.3 Margins

ENVA has a better Profit Margin (15.24%) than 63.64% of its industry peers.
In the last couple of years the Profit Margin of ENVA has grown nicely.
The Operating Margin of ENVA (39.55%) is better than 92.73% of its industry peers.
ENVA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 39.55%
PM (TTM) 15.24%
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
ENVA Yearly Profit, Operating, Gross MarginsENVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

7

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ENVA is destroying value.
Compared to 1 year ago, ENVA has less shares outstanding
ENVA has less shares outstanding than it did 5 years ago.
ENVA has a worse debt/assets ratio than last year.
ENVA Yearly Shares OutstandingENVA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
ENVA Yearly Total Debt VS Total AssetsENVA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

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.
With a decent Altman-Z score value of 2.60, ENVA is doing good in the industry, outperforming 80.00% of the companies in the same industry.
The Debt to FCF ratio of ENVA is 2.44, which is a good value as it means it would take ENVA, 2.44 years of fcf income to pay off all of its debts.
ENVA's Debt to FCF ratio of 2.44 is amongst the best of the industry. ENVA outperforms 81.82% of its industry peers.
A Debt/Equity ratio of 3.23 is on the high side and indicates that ENVA has dependencies on debt financing.
ENVA has a Debt to Equity ratio (3.23) which is comparable to the rest of the industry.
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 RankSector Rank
Debt/Equity 3.23
Debt/FCF 2.44
Altman-Z 2.6
ROIC/WACC0.85
WACC11.04%
ENVA Yearly LT Debt VS Equity VS FCFENVA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

ENVA has a Current Ratio of 20.45. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
ENVA has a better Current ratio (20.45) than 96.36% of its industry peers.
ENVA has a Quick Ratio of 20.45. This indicates that ENVA is financially healthy and has no problem in meeting its short term obligations.
ENVA's Quick ratio of 20.45 is amongst the best of the industry. ENVA outperforms 96.36% of its industry peers.
Industry RankSector Rank
Current Ratio 20.45
Quick Ratio 20.45
ENVA Yearly Current Assets VS Current LiabilitesENVA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 51.28% 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.
ENVA shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.54%.
ENVA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.42% yearly.
EPS 1Y (TTM)51.28%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%46.15%
Revenue 1Y (TTM)23.54%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%21.58%

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 23.42% on average per year.
Based on estimates for the next years, ENVA will show a quite strong growth in Revenue. The Revenue will grow by 18.32% on average per year.
EPS Next Y34.59%
EPS Next 2Y25.49%
EPS Next 3Y23.42%
EPS Next 5YN/A
Revenue Next Year19.66%
Revenue Next 2Y17.63%
Revenue Next 3Y18.32%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.
ENVA Yearly Revenue VS EstimatesENVA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
ENVA Yearly EPS VS EstimatesENVA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.12 indicates a reasonable valuation of ENVA.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
When comparing the Price/Earnings ratio of ENVA to the average of the S&P500 Index (27.41), we can say ENVA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.67, the valuation of ENVA can be described as reasonable.
Based on the Price/Forward Earnings ratio, ENVA is valued a bit cheaper than 63.64% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, ENVA is valued rather cheaply.
Industry RankSector Rank
PE 11.12
Fwd PE 8.67
ENVA Price Earnings VS Forward Price EarningsENVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ENVA is valued a bit cheaper than the industry average as 72.73% of the companies are valued more expensively.
ENVA's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ENVA is cheaper than 87.27% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.93
EV/EBITDA 10.05
ENVA Per share dataENVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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 23.42% in the coming years.
PEG (NY)0.32
PEG (5Y)0.57
EPS Next 2Y25.49%
EPS Next 3Y23.42%

0

5. Dividend

5.1 Amount

ENVA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

ENOVA INTERNATIONAL INC

NYSE:ENVA (9/23/2025, 7:22:22 PM)

After market: 125.34 0 (0%)

125.34

-1.98 (-1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners96.94%
Inst Owner Change2.26%
Ins Owners4.52%
Ins Owner Change0.44%
Market Cap3.13B
Analysts84.29
Price Target133.75 (6.71%)
Short Float %8.19%
Short Ratio6.39
Dividend
Industry RankSector 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)6.03%
Min EPS beat(2)5.92%
Max EPS beat(2)6.14%
EPS beat(4)4
Avg EPS beat(4)7.24%
Min EPS beat(4)3.97%
Max EPS beat(4)12.95%
EPS beat(8)7
Avg EPS beat(8)3.01%
EPS beat(12)11
Avg EPS beat(12)3.73%
EPS beat(16)15
Avg EPS beat(16)7.53%
Revenue beat(2)0
Avg Revenue beat(2)-0.72%
Min Revenue beat(2)-0.99%
Max Revenue beat(2)-0.44%
Revenue beat(4)1
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-2.03%
Max Revenue beat(4)1.51%
Revenue beat(8)3
Avg Revenue beat(8)-0.25%
Revenue beat(12)4
Avg Revenue beat(12)-10.02%
Revenue beat(16)4
Avg Revenue beat(16)-13.98%
PT rev (1m)0%
PT rev (3m)3.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.47%
EPS NY rev (1m)0%
EPS NY rev (3m)2.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
Industry RankSector Rank
PE 11.12
Fwd PE 8.67
P/S 1.86
P/FCF 1.93
P/OCF 1.88
P/B 2.55
P/tB 3.33
EV/EBITDA 10.05
EPS(TTM)11.27
EY8.99%
EPS(NY)14.46
Fwd EY11.53%
FCF(TTM)64.87
FCFY51.75%
OCF(TTM)66.68
OCFY53.2%
SpS67.21
BVpS49.13
TBVpS37.68
PEG (NY)0.32
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 4.48%
ROE 20.85%
ROCE 12.16%
ROIC 9.38%
ROICexc 9.48%
ROICexgc 10.01%
OM 39.55%
PM (TTM) 15.24%
GM N/A
FCFM 96.51%
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%
ROICexcg growth 3Y-13.52%
ROICexcg 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 RankSector Rank
Debt/Equity 3.23
Debt/FCF 2.44
Debt/EBITDA 5.62
Cap/Depr 111.23%
Cap/Sales 2.69%
Interest Coverage 250
Cash Conversion 236.35%
Profit Quality 633.24%
Current Ratio 20.45
Quick Ratio 20.45
Altman-Z 2.6
F-Score8
WACC11.04%
ROIC/WACC0.85
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)51.28%
EPS 3Y6.64%
EPS 5Y19.61%
EPS Q2Q%46.15%
EPS Next Y34.59%
EPS Next 2Y25.49%
EPS Next 3Y23.42%
EPS Next 5YN/A
Revenue 1Y (TTM)23.54%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%21.58%
Revenue Next Year19.66%
Revenue Next 2Y17.63%
Revenue Next 3Y18.32%
Revenue Next 5YN/A
EBIT growth 1Y39.37%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year35.4%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y55.67%
FCF growth 3Y50.09%
FCF growth 5Y11.81%
OCF growth 1Y53.96%
OCF growth 3Y48.28%
OCF growth 5Y11.93%