ENOVA INTERNATIONAL INC (ENVA) Fundamental Analysis & Valuation

NYSE:ENVA • US29357K1034

Current stock price

134.08 USD
-0.03 (-0.02%)
At close:
134.08 USD
0 (0%)
After Hours:

This ENVA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ENVA Profitability Analysis

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.
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 2025 500M 1B 1.5B

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.
  • Looking at the Return On Equity, with a value of 23.07%, ENVA is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • ENVA has a Return On Invested Capital of 9.25%. This is in the better half 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 RankSector 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%
ENVA Yearly ROA, ROE, ROICENVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 66.67% of its industry peers.
  • ENVA's Profit Margin has declined in the last couple of years.
  • ENVA's Operating Margin of 40.40% is amongst the best of the industry. ENVA outperforms 90.74% of its industry peers.
  • ENVA's Operating Margin has declined in the last couple of years.
Industry RankSector 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
ENVA Yearly Profit, Operating, Gross MarginsENVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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7

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.
  • ENVA has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ENVA has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ENVA has a worse debt to assets ratio.
ENVA Yearly Shares OutstandingENVA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B

2.2 Solvency

  • An Altman-Z score of 2.54 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.54, ENVA belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
  • 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.
  • The Debt to FCF ratio of ENVA (2.54) is better 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 has a Debt to Equity ratio (3.37) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Altman-Z 2.54
ROIC/WACC1.15
WACC8.06%
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 2025 1B 2B 3B 4B

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.
  • ENVA's Current ratio of 19.62 is amongst the best of the industry. ENVA outperforms 96.30% of its industry peers.
  • 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.
  • The Quick ratio of ENVA (19.62) is better than 96.30% of its industry peers.
Industry RankSector Rank
Current Ratio 19.62
Quick Ratio 19.62
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 2025 2B 4B 6B

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

8

3. ENVA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 41.94% over the past year.
  • The Earnings Per Share has been growing by 12.29% on average over the past years. This is quite good.
  • ENVA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.67%.
  • Measured over the past years, ENVA shows a very strong growth in Revenue. The Revenue has been growing by 21.75% on average per year.
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.
  • Based on estimates for the next years, ENVA will show a quite strong growth in Revenue. The Revenue will grow by 19.95% on average per year.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

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7

4. ENVA Valuation Analysis

4.1 Price/Earnings Ratio

  • ENVA is valuated reasonably with a Price/Earnings ratio of 10.29.
  • The rest of the industry has a similar Price/Earnings ratio as ENVA.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, ENVA is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 8.34, the valuation of ENVA can be described as very reasonable.
  • ENVA's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, ENVA is valued rather cheaply.
Industry RankSector Rank
PE 10.29
Fwd PE 8.34
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 64.81% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ENVA is valued a bit cheaper than 77.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.89
EV/EBITDA 9.96
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.
  • ENVA has a very decent profitability rating, which 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%

More info and screens

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

0

5. ENVA Dividend Analysis

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

ENVA Fundamentals: All Metrics, Ratios and Statistics

ENOVA INTERNATIONAL INC

NYSE:ENVA (3/16/2026, 4:15:00 PM)

After market: 134.08 0 (0%)

134.08

-0.03 (-0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-27
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 (47.37%)
Short Float %7.77%
Short Ratio5.61
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)7.95%
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)0.18%
EPS NQ rev (3m)7.84%
EPS NY rev (1m)0%
EPS NY rev (3m)9.72%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.32%
Valuation
Industry RankSector 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 9.96
EPS(TTM)13.03
EY9.72%
EPS(NY)16.08
Fwd EY12%
FCF(TTM)70.85
FCFY52.84%
OCF(TTM)72.74
OCFY54.25%
SpS73.18
BVpS53.45
TBVpS42.13
PEG (NY)0.44
PEG (5Y)0.84
Graham Number125.18
Profitability
Industry RankSector 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 RankSector 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 2.54
F-Score7
WACC8.06%
ROIC/WACC1.15
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 Fundamental Analysis 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.