ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:ENVA - US29357K1034 - Common Stock
164.84 USD
+0.17 (+0.1%)
164.84 USD
0 (0%)
Taking everything into account, ENVA scores 7 out of 10 in our fundamental rating. ENVA was compared to 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 not overvalued while it is showing excellent growth. This is an interesting combination. With these ratings, ENVA could be worth investigating further for growth and quality investing!.
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.
ENVA had positive earnings in each of the past 5 years.
In the past 5 years ENVA always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.92%, ENVA is in the better half of the industry, outperforming 70.91% of the companies in the same industry.
ENVA has a Return On Equity of 22.86%. This is in the better half of the industry: ENVA outperforms 80.00% of its industry peers.
With a decent Return On Invested Capital value of 9.57%, ENVA is doing good in the industry, outperforming 74.55% 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 12.44%.
The 3 year average ROIC (8.27%) for ENVA is below the current ROIC(9.57%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
ENVA has a Profit Margin of 16.85%. This is in the better half of the industry: ENVA outperforms 69.09% 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 94.55% of its industry peers.
In the last couple of years the Operating Margin of ENVA has grown nicely.
| Industry Rank | Sector 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
2. Health
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.
Compared to 1 year ago, ENVA has less shares outstanding
Compared to 5 years ago, ENVA has less shares outstanding
ENVA has a worse debt/assets ratio than last year.
2.2 Solvency
ENVA has an Altman-Z score of 2.72. 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 better Altman-Z score (2.72) than 87.27% 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.
With an excellent Debt to FCF ratio value of 2.41, ENVA belongs to the best 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 has a Debt to Equity ratio (3.20) which is in line with 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 | 2.72 |
ROIC/WACC1.1
WACC8.68%
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.
The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
The Revenue has grown by 20.81% in the past year. This is a very strong growth!
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
Based on estimates for the next years, ENVA will show a very strong growth in Earnings Per Share. The EPS will grow by 25.89% 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 17.21% on average per year.
EPS Next Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue Next Year18.59%
Revenue Next 2Y17.49%
Revenue Next 3Y17.21%
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.
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
The Price/Earnings ratio is 13.53, which indicates a correct valuation of ENVA.
The rest of the industry has a similar Price/Earnings ratio as ENVA.
ENVA's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
The Price/Forward Earnings ratio is 11.09, which indicates a very decent valuation of ENVA.
The rest of the industry has a similar Price/Forward Earnings ratio as ENVA.
When comparing the Price/Forward Earnings ratio of ENVA to the average of the S&P500 Index (23.46), we can say ENVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
ENVA's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 67.27% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than the industry average as 78.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.4 | ||
| EV/EBITDA | 10.85 |
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.
ENVA has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as ENVA's earnings are expected to grow with 25.89% in the coming years.
PEG (NY)0.33
PEG (5Y)0.69
EPS Next 2Y27.26%
EPS Next 3Y25.89%
5. Dividend
5.1 Amount
ENVA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
164.84
+0.17 (+0.1%)
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 Cap4.09B
Revenue(TTM)1.74B
Net Income(TTM)293.41M
Analysts84.29
Price Target183.09 (11.07%)
Short Float %6.88%
Short Ratio6.39
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)7.5%
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)27.64%
PT rev (3m)36.89%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)10.23%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)5.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.92%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-0.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.53 | ||
| Fwd PE | 11.09 | ||
| P/S | 2.35 | ||
| P/FCF | 2.4 | ||
| P/OCF | 2.33 | ||
| P/B | 3.18 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | 10.85 |
EPS(TTM)12.18
EY7.39%
EPS(NY)14.87
Fwd EY9.02%
FCF(TTM)68.78
FCFY41.73%
OCF(TTM)70.62
OCFY42.84%
SpS70.22
BVpS51.76
TBVpS40.3
PEG (NY)0.33
PEG (5Y)0.69
Graham Number119.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.72 |
F-Score8
WACC8.68%
ROIC/WACC1.1
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 Y41.47%
EPS Next 2Y27.26%
EPS Next 3Y25.89%
EPS Next 5YN/A
Revenue 1Y (TTM)20.81%
Revenue growth 3Y14.3%
Revenue growth 5Y5.42%
Sales Q2Q%16.34%
Revenue Next Year18.59%
Revenue Next 2Y17.49%
Revenue Next 3Y17.21%
Revenue Next 5YN/A
EBIT growth 1Y34.29%
EBIT growth 3Y12.28%
EBIT growth 5Y18.7%
EBIT Next Year41.04%
EBIT Next 3Y21.68%
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 7 / 10 to ENVA.
Can you provide the valuation status for ENOVA INTERNATIONAL INC?
ChartMill assigns a valuation rating of 6 / 10 to ENOVA INTERNATIONAL INC (ENVA). This can be considered as Fairly Valued.
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 13.53 and the Price/Book (PB) ratio is 3.18.
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 41.47% in the next year.