ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:ENVA • US29357K1034

158.74 USD
-2.36 (-1.46%)
At close: Feb 9, 2026
158.74 USD
0 (0%)
After Hours: 2/9/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, ENVA scores 6 out of 10 in our fundamental rating. ENVA was compared to 54 industry peers in the Consumer Finance industry. While ENVA has a great health rating, its profitability is only average at the moment. A decent growth rate in combination with a cheap valuation! Better keep an eye on ENVA. These ratings could make ENVA a good candidate for value investing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year ENVA was profitable.
  • ENVA had a positive operating cash flow in the past year.
  • Of the past 5 years ENVA 4 years were profitable.
  • ENVA had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

1.2 Ratios

  • With a decent Return On Assets value of 4.92%, ENVA is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • 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.
  • With a decent Return On Invested Capital value of 9.57%, ENVA is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • ENVA had an Average Return On Invested Capital over the past 3 years of 8.27%. This 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 RankSector 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%
ENVA Yearly ROA, ROE, ROICENVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

1.3 Margins

  • ENVA has a Profit Margin of 16.85%. This is in the better half of the industry: ENVA outperforms 64.81% of its industry peers.
  • ENVA's Profit Margin has improved in the last couple of years.
  • The Operating Margin of ENVA (40.64%) is better than 92.59% of its industry peers.
  • In the last couple of years the Operating Margin of ENVA has grown nicely.
Industry RankSector 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
ENVA Yearly Profit, Operating, Gross MarginsENVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ENVA is creating some value.
  • There is no outstanding debt for ENVA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ENVA Yearly Shares OutstandingENVA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • An Altman-Z score of 2.71 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • ENVA's Altman-Z score of 2.71 is amongst the best of the industry. ENVA outperforms 85.19% of its industry peers.
  • 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.
  • With an excellent Debt to FCF ratio value of 2.41, ENVA belongs to the best 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.
  • The Debt to Equity ratio of ENVA (3.20) is comparable to the rest of the 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 RankSector Rank
Debt/Equity 3.2
Debt/FCF 2.41
Altman-Z 2.71
ROIC/WACC1.14
WACC8.37%
ENVA Yearly LT Debt VS Equity VS FCFENVA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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.
  • With an excellent Current ratio value of 21.75, ENVA belongs to the best of the industry, outperforming 98.15% of the companies in the same industry.
  • A Quick Ratio of 21.75 indicates that ENVA has no problem at all paying its short term obligations.
  • With an excellent Quick ratio value of 21.75, ENVA belongs to the best of the industry, outperforming 98.15% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 21.75
Quick Ratio 21.75
ENVA Yearly Current Assets VS Current LiabilitesENVA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

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.
EPS 1Y (TTM)41.94%
EPS 3Y24.15%
EPS 5Y12.29%
EPS Q2Q%32.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.06%

3.2 Future

  • ENVA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.46% yearly.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
ENVA Yearly Revenue VS EstimatesENVA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
ENVA Yearly EPS VS EstimatesENVA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20 25

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • ENVA is valuated correctly with a Price/Earnings ratio of 12.18.
  • ENVA's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of ENVA to the average of the S&P500 Index (28.06), we can say ENVA is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.87 indicates a reasonable valuation of ENVA.
  • The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
  • The average S&P500 Price/Forward Earnings ratio is at 27.86. ENVA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.18
Fwd PE 9.87
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

  • 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.
  • ENVA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.31
EV/EBITDA 10.72
ENVA Per share dataENVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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 24.46% in the coming years.
PEG (NY)0.52
PEG (5Y)0.99
EPS Next 2Y21.21%
EPS Next 3Y24.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ENVA!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ENOVA INTERNATIONAL INC

NYSE:ENVA (2/9/2026, 8:04:00 PM)

After market: 158.74 0 (0%)

158.74

-2.36 (-1.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners95.29%
Inst Owner Change2.65%
Ins Owners4.55%
Ins Owner Change-0.21%
Market Cap3.94B
Revenue(TTM)N/A
Net Income(TTM)293.41M
Analysts84.29
Price Target197.59 (24.47%)
Short Float %7.9%
Short Ratio6.16
Dividend
Industry RankSector 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)7.92%
PT rev (3m)37.75%
EPS NQ rev (1m)-0.04%
EPS NQ rev (3m)-0.16%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)-0.04%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 12.18
Fwd PE 9.87
P/S 2.26
P/FCF 2.31
P/OCF 2.25
P/B 3.07
P/tB 3.94
EV/EBITDA 10.72
EPS(TTM)13.03
EY8.21%
EPS(NY)16.08
Fwd EY10.13%
FCF(TTM)68.78
FCFY43.33%
OCF(TTM)70.62
OCFY44.49%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.52
PEG (5Y)0.99
Graham Number123.19
Profitability
Industry RankSector 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 RankSector 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 2.71
F-Score8
WACC8.37%
ROIC/WACC1.14
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.06%
Revenue Next Year15.93%
Revenue Next 2Y15.65%
Revenue Next 3Y19.95%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year41.04%
EBIT Next 3Y21.99%
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 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.