ENVA:NYE-Enova International Inc. (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 96.32

Change

-0.15 (-0.16)%

Market Cap

USD 0.40B

Volume

0.24M

Analyst Target

USD 28.00
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Enova International Inc is a provider of online financial services. The Company originates, arranges, guarantees or purchases short-term consumer loans, line of credit accounts and installment loans.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-12-23 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
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COF Capital One Financial Corporat..

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SYF Synchrony Financial

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ALLY Ally Financial Inc

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OMF OneMain Holdings Inc

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BFH Bread Financial Holdings Inc

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MUI BlackRock Muni Intermediate Du..

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LU Lufax Holding Ltd

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ETFs Containing ENVA

AZTD Aztlan Global Stock Selec.. 2.24 % 0.00 %

-0.07 (-0.30%)

USD 0.03B
LEND 0.00 % 0.00 %

N/A

N/A
SPUN 0.00 % 0.55 %

N/A

N/A
SIXS 6 Meridian Small Cap Equi.. 0.00 % 0.00 %

-0.01 (-0.30%)

USD 0.10B

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 73.99% 92% A 97% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 73.99% 89% A- 96% N/A
Trailing 12 Months  
Capital Gain 74.81% 92% A 96% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 74.81% 89% A- 96% N/A
Trailing 5 Years  
Capital Gain 304.71% 100% F 97% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 304.71% 100% F 97% N/A
Average Annual (5 Year Horizon)  
Capital Gain 49.89% 97% N/A 93% A
Dividend Return 49.89% 97% N/A 93% A
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) 52.01% 38% F 19% F
Risk Adjusted Return 95.94% 92% A 95% A
Market Capitalization 0.40B 59% D- 70% C-

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.10 33% 57%
Price/Book Ratio 2.14 29% 40%
Price / Cash Flow Ratio 2.17 60% 72%
Price/Free Cash Flow Ratio 19.56 30% 19%
Management Effectiveness  
Return on Equity 14.80% 61% 75%
Return on Invested Capital 9.70% 61% 66%
Return on Assets 3.98% 77% 67%
Debt to Equity Ratio 237.37% 42% 15%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.