ENOVA INTERNATIONAL INC (ENVA) Fundamental Analysis & Valuation

NYSE:ENVA • US29357K1034

Current stock price

136.88 USD
-0.01 (-0.01%)
At close:
136.88 USD
0 (0%)
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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

  • ENVA had positive earnings in the past year.
  • ENVA had a positive operating cash flow in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.77%, ENVA is in the better half of the industry, outperforming 64.81% of the companies in the same industry.
  • ENVA has a better Return On Equity (23.07%) than 75.93% of its industry peers.
  • The Return On Invested Capital of ENVA (9.25%) is better than 72.22% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ENVA is in line with the industry average of 9.87%.
  • 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's Profit Margin of 16.85% is fine compared to the rest of the industry. ENVA outperforms 64.81% of its industry peers.
  • In the last couple of years the Profit Margin of ENVA has declined.
  • Looking at the Operating Margin, with a value of 40.40%, ENVA belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • 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

  • ENVA has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, ENVA has less shares outstanding
  • Compared to 5 years ago, ENVA has less shares outstanding
  • 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 2.55 indicates that ENVA is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • ENVA has a Altman-Z score of 2.55. This is amongst the best in the industry. ENVA outperforms 85.19% of its industry peers.
  • ENVA has a debt to FCF ratio of 2.54. This is a good value and a sign of high solvency as ENVA would need 2.54 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.54, ENVA is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
  • ENVA has a Debt/Equity ratio of 3.37. This is a high value indicating a heavy dependency on external financing.
  • ENVA's Debt to Equity ratio of 3.37 is in line compared to the rest of the industry. ENVA outperforms 40.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.37
Debt/FCF 2.54
Altman-Z 2.55
ROIC/WACC1.12
WACC8.27%
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.
  • The Current ratio of ENVA (19.62) is better than 96.30% of its industry peers.
  • A Quick Ratio of 19.62 indicates that ENVA has no problem at all paying its short term obligations.
  • ENVA has a better Quick ratio (19.62) 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.
  • Looking at the last year, ENVA shows a quite strong growth in Revenue. The Revenue has grown by 19.67% in the last year.
  • 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.
  • ENVA is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.95% yearly.
EPS Next Y23.43%
EPS Next 2Y21.21%
EPS Next 3Y24.46%
EPS Next 5YN/A
Revenue Next Year15.96%
Revenue Next 2Y15.96%
Revenue Next 3Y19.95%
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 accelerating.
  • 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

  • Based on the Price/Earnings ratio of 10.50, 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.
  • ENVA is valuated cheaply when we compare the Price/Earnings ratio to 26.17, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.51, the valuation of ENVA can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ENVA is on the same level as its industry peers.
  • ENVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.05.
Industry RankSector Rank
PE 10.5
Fwd PE 8.51
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 75.93% 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

  • 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.
  • ENVA's earnings are expected to grow with 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)0.86
EPS Next 2Y21.21%
EPS Next 3Y24.46%

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

0

5. ENVA Dividend Analysis

5.1 Amount

  • ENVA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ENVA Fundamentals: All Metrics, Ratios and Statistics

ENOVA INTERNATIONAL INC

NYSE:ENVA (4/2/2026, 8:21:12 PM)

After market: 136.88 0 (0%)

136.88

-0.01 (-0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-27
Earnings (Next)04-28
Inst Owners95.15%
Inst Owner Change-0.01%
Ins Owners4.44%
Ins Owner Change-1.15%
Market Cap3.42B
Revenue(TTM)1.83B
Net Income(TTM)308.39M
Analysts86.15
Price Target197.59 (44.35%)
Short Float %8.17%
Short Ratio6.14
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)7.92%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)7.15%
EPS NY rev (1m)0%
EPS NY rev (3m)8.17%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)-0.4%
Valuation
Industry RankSector Rank
PE 10.5
Fwd PE 8.51
P/S 1.87
P/FCF 1.93
P/OCF 1.88
P/B 2.56
P/tB 3.25
EV/EBITDA 10.05
EPS(TTM)13.03
EY9.52%
EPS(NY)16.08
Fwd EY11.75%
FCF(TTM)70.85
FCFY51.76%
OCF(TTM)72.74
OCFY53.14%
SpS73.18
BVpS53.45
TBVpS42.13
PEG (NY)0.45
PEG (5Y)0.86
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 2.55
F-Score7
WACC8.27%
ROIC/WACC1.12
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 Year15.96%
Revenue Next 2Y15.96%
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.


Can you provide the profitability details for ENOVA INTERNATIONAL INC?

ENOVA INTERNATIONAL INC (ENVA) has a profitability rating of 6 / 10.


What are the PE and PB ratios of ENOVA INTERNATIONAL INC (ENVA) stock?

The Price/Earnings (PE) ratio for ENOVA INTERNATIONAL INC (ENVA) is 10.5 and the Price/Book (PB) ratio is 2.56.


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.