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ENOVA INTERNATIONAL INC (ENVA) Stock Fundamental Analysis

USA - NYSE:ENVA - US29357K1034 - Common Stock

108.88 USD
+1.81 (+1.69%)
Last: 10/17/2025, 8:08:21 PM
108.88 USD
0 (0%)
After Hours: 10/17/2025, 8:08:21 PM
Fundamental Rating

7

ENVA gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. ENVA scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ENVA is growing strongly while it also seems undervalued. This is an interesting combination This makes ENVA very considerable for value and growth and quality investing!


Dividend Valuation Growth Profitability Health

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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's Return On Assets of 4.48% is fine compared to the rest of the industry. ENVA outperforms 70.91% of its industry peers.
Looking at the Return On Equity, with a value of 20.85%, ENVA belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 9.38%, ENVA is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ENVA is below the industry average of 10.98%.
The 3 year average ROIC (8.27%) for ENVA is below the current ROIC(9.38%), indicating increased profibility in the last year.
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

The Profit Margin of ENVA (15.24%) is better than 63.64% of its industry peers.
ENVA's Profit Margin has improved in the last couple of years.
ENVA has a Operating Margin of 39.55%. This is amongst the best in the industry. ENVA outperforms 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

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8

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ENVA is destroying 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.
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

ENVA has an Altman-Z score of 2.54. 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 2.54. This is amongst the best in the industry. ENVA outperforms 81.82% of its industry peers.
ENVA has a debt to FCF ratio of 2.44. This is a good value and a sign of high solvency as ENVA would need 2.44 years to pay back of all of its debts.
The Debt to FCF ratio of ENVA (2.44) is better than 83.64% of its industry peers.
ENVA has a Debt/Equity ratio of 3.23. This is a high value indicating a heavy dependency on external financing.
ENVA has a Debt to Equity ratio (3.23) 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 RankSector Rank
Debt/Equity 3.23
Debt/FCF 2.44
Altman-Z 2.54
ROIC/WACC0.88
WACC10.65%
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 Current ratio of 20.45. This is amongst the best in the industry. ENVA outperforms 96.36% of its industry peers.
A Quick Ratio of 20.45 indicates that ENVA has no problem at all paying its short term obligations.
ENVA has a better Quick ratio (20.45) than 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

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 51.28% over the past year.
The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
Looking at the last year, ENVA shows a very strong growth in Revenue. The Revenue has grown by 23.54%.
The Revenue has been growing slightly by 5.42% on average over the past years.
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue 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 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

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.66, the valuation of ENVA can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ENVA is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.40, ENVA is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.53, the valuation of ENVA can be described as very cheap.
ENVA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ENVA is cheaper than 65.45% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.94. ENVA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.66
Fwd PE 7.53
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 74.55% 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 85.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.68
EV/EBITDA 9.4
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.
ENVA's earnings are expected to grow with 23.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)0.49
EPS Next 2Y25.49%
EPS Next 3Y23.42%

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0

5. Dividend

5.1 Amount

No dividends for ENVA!.
Industry RankSector Rank
Dividend Yield N/A

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ENOVA INTERNATIONAL INC

NYSE:ENVA (10/17/2025, 8:08:21 PM)

After market: 108.88 0 (0%)

108.88

+1.81 (+1.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-23 2025-10-23/amc
Inst Owners99.19%
Inst Owner Change-0.25%
Ins Owners4.51%
Ins Owner Change0.44%
Market Cap2.72B
Analysts84.29
Price Target132.47 (21.67%)
Short Float %7.65%
Short Ratio5.61
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)-0.95%
PT rev (3m)0%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)2.93%
EPS NY rev (1m)0%
EPS NY rev (3m)2.93%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)1.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
Industry RankSector Rank
PE 9.66
Fwd PE 7.53
P/S 1.62
P/FCF 1.68
P/OCF 1.63
P/B 2.22
P/tB 2.89
EV/EBITDA 9.4
EPS(TTM)11.27
EY10.35%
EPS(NY)14.46
Fwd EY13.28%
FCF(TTM)64.87
FCFY59.58%
OCF(TTM)66.68
OCFY61.24%
SpS67.21
BVpS49.13
TBVpS37.68
PEG (NY)0.28
PEG (5Y)0.49
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 2.54
F-Score8
WACC10.65%
ROIC/WACC0.88
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%