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ZENVIA INC - A (ZENV) Stock Fundamental Analysis

NASDAQ:ZENV - Nasdaq - KYG9889V1014 - Common Stock - Currency: USD

1.45  -0.04 (-2.68%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ZENV. ZENV was compared to 282 industry peers in the Software industry. ZENV has a bad profitability rating. Also its financial health evaluation is rather negative. ZENV is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ZENV has reported negative net income.
ZENV had a positive operating cash flow in the past year.
ZENV had negative earnings in each of the past 5 years.
Of the past 5 years ZENV 4 years had a positive operating cash flow.
ZENV Yearly Net Income VS EBIT VS OCF VS FCFZENV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 100M -100M -200M

1.2 Ratios

With a Return On Assets value of -5.42%, ZENV perfoms like the industry average, outperforming 47.87% of the companies in the same industry.
Looking at the Return On Equity, with a value of -12.08%, ZENV is in line with its industry, outperforming 48.58% of the companies in the same industry.
ZENV's Return On Invested Capital of 0.86% is fine compared to the rest of the industry. ZENV outperforms 64.89% of its industry peers.
Industry RankSector Rank
ROA -5.42%
ROE -12.08%
ROIC 0.86%
ROA(3y)-8.63%
ROA(5y)-6.61%
ROE(3y)-17.47%
ROE(5y)-14.93%
ROIC(3y)N/A
ROIC(5y)N/A
ZENV Yearly ROA, ROE, ROICZENV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

With a decent Operating Margin value of 1.03%, ZENV is doing good in the industry, outperforming 63.48% of the companies in the same industry.
ZENV's Operating Margin has declined in the last couple of years.
The Gross Margin of ZENV (26.42%) is worse than 79.43% of its industry peers.
In the last couple of years the Gross Margin of ZENV has grown nicely.
Industry RankSector Rank
OM 1.03%
PM (TTM) N/A
GM 26.42%
OM growth 3YN/A
OM growth 5Y-41.21%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.3%
GM growth 5Y3.13%
ZENV Yearly Profit, Operating, Gross MarginsZENV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZENV is destroying value.
The number of shares outstanding for ZENV has been increased compared to 1 year ago.
The number of shares outstanding for ZENV has been increased compared to 5 years ago.
Compared to 1 year ago, ZENV has a worse debt to assets ratio.
ZENV Yearly Shares OutstandingZENV Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
ZENV Yearly Total Debt VS Total AssetsZENV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

Based on the Altman-Z score of 0.42, we must say that ZENV is in the distress zone and has some risk of bankruptcy.
ZENV's Altman-Z score of 0.42 is on the low side compared to the rest of the industry. ZENV is outperformed by 69.50% of its industry peers.
The Debt to FCF ratio of ZENV is 1.51, which is an excellent value as it means it would take ZENV, only 1.51 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.51, ZENV is in the better half of the industry, outperforming 70.21% of the companies in the same industry.
ZENV has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
ZENV has a Debt to Equity ratio of 0.04. This is comparable to the rest of the industry: ZENV outperforms 58.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 1.51
Altman-Z 0.42
ROIC/WACC0.05
WACC18.24%
ZENV Yearly LT Debt VS Equity VS FCFZENV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

A Current Ratio of 0.44 indicates that ZENV may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.44, ZENV is doing worse than 91.49% of the companies in the same industry.
ZENV has a Quick Ratio of 0.44. This is a bad value and indicates that ZENV is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.44, ZENV is doing worse than 90.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.44
Quick Ratio 0.44
ZENV Yearly Current Assets VS Current LiabilitesZENV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

ZENV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.83%, which is quite impressive.
Looking at the last year, ZENV shows a very strong growth in Revenue. The Revenue has grown by 24.00%.
ZENV shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.07% yearly.
EPS 1Y (TTM)29.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%104.92%
Revenue 1Y (TTM)24%
Revenue growth 3Y16.16%
Revenue growth 5Y22.07%
Sales Q2Q%28.81%

3.2 Future

The Earnings Per Share is expected to grow by 32.12% on average over the next years. This is a very strong growth
Based on estimates for the next years, ZENV will show a small growth in Revenue. The Revenue will grow by 2.99% on average per year.
EPS Next Y96.17%
EPS Next 2Y43.44%
EPS Next 3Y32.12%
EPS Next 5YN/A
Revenue Next Year-1.64%
Revenue Next 2Y1.05%
Revenue Next 3Y2.99%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ZENV Yearly Revenue VS EstimatesZENV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
ZENV Yearly EPS VS EstimatesZENV Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -1 -2 -3

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for ZENV. In the last year negative earnings were reported.
ZENV is valuated quite expensively with a Price/Forward Earnings ratio of 45.99.
ZENV's Price/Forward Earnings ratio is in line with the industry average.
ZENV's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 36.44.
Industry RankSector Rank
PE N/A
Fwd PE 45.99
ZENV Price Earnings VS Forward Price EarningsZENV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60

4.2 Price Multiples

ZENV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ZENV is cheaper than 98.23% of the companies in the same industry.
98.23% of the companies in the same industry are more expensive than ZENV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.87
EV/EBITDA 3.97
ZENV Per share dataZENV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 3

4.3 Compensation for Growth

ZENV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ZENV's earnings are expected to grow with 32.12% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y43.44%
EPS Next 3Y32.12%

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0

5. Dividend

5.1 Amount

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

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ZENVIA INC - A

NASDAQ:ZENV (7/21/2025, 8:00:02 PM)

1.45

-0.04 (-2.68%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)07-02 2025-07-02/amc
Earnings (Next)09-05 2025-09-05
Inst Owners8.42%
Inst Owner Change-2.25%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap76.04M
Analysts43.33
Price Target1.53 (5.52%)
Short Float %1.34%
Short Ratio1.98
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1332.15%
Min EPS beat(2)-2805.23%
Max EPS beat(2)140.93%
EPS beat(4)2
Avg EPS beat(4)-585.19%
Min EPS beat(4)-2805.23%
Max EPS beat(4)757.84%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)8.05%
Min Revenue beat(2)-9.77%
Max Revenue beat(2)25.87%
Revenue beat(4)3
Avg Revenue beat(4)7.38%
Min Revenue beat(4)-9.77%
Max Revenue beat(4)25.87%
Revenue beat(8)7
Avg Revenue beat(8)122.88%
Revenue beat(12)7
Avg Revenue beat(12)71.51%
Revenue beat(16)10
Avg Revenue beat(16)79.63%
PT rev (1m)-11.76%
PT rev (3m)-11.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-402.94%
EPS NY rev (3m)-174.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.92%
Revenue NY rev (3m)-4.49%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 45.99
P/S 0.4
P/FCF 5.87
P/OCF 3.3
P/B 0.54
P/tB N/A
EV/EBITDA 3.97
EPS(TTM)-0.34
EYN/A
EPS(NY)0.03
Fwd EY2.17%
FCF(TTM)0.25
FCFY17.04%
OCF(TTM)0.44
OCFY30.32%
SpS3.58
BVpS2.69
TBVpS-1.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -5.42%
ROE -12.08%
ROCE 1.08%
ROIC 0.86%
ROICexc 0.94%
ROICexgc N/A
OM 1.03%
PM (TTM) N/A
GM 26.42%
FCFM 6.9%
ROA(3y)-8.63%
ROA(5y)-6.61%
ROE(3y)-17.47%
ROE(5y)-14.93%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5Y-49.64%
OM growth 3YN/A
OM growth 5Y-41.21%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.3%
GM growth 5Y3.13%
F-Score5
Asset Turnover0.6
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 1.51
Debt/EBITDA 0.31
Cap/Depr 61.41%
Cap/Sales 5.38%
Interest Coverage 0.61
Cash Conversion 125.42%
Profit Quality N/A
Current Ratio 0.44
Quick Ratio 0.44
Altman-Z 0.42
F-Score5
WACC18.24%
ROIC/WACC0.05
Cap/Depr(3y)64.4%
Cap/Depr(5y)60.76%
Cap/Sales(3y)6.52%
Cap/Sales(5y)5.35%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)29.83%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%104.92%
EPS Next Y96.17%
EPS Next 2Y43.44%
EPS Next 3Y32.12%
EPS Next 5YN/A
Revenue 1Y (TTM)24%
Revenue growth 3Y16.16%
Revenue growth 5Y22.07%
Sales Q2Q%28.81%
Revenue Next Year-1.64%
Revenue Next 2Y1.05%
Revenue Next 3Y2.99%
Revenue Next 5YN/A
EBIT growth 1Y144.43%
EBIT growth 3YN/A
EBIT growth 5Y-28.23%
EBIT Next Year382.53%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-58.13%
FCF growth 3YN/A
FCF growth 5Y23.72%
OCF growth 1Y-43.02%
OCF growth 3YN/A
OCF growth 5Y32.39%