ENVA:NYE-Enova International Inc. (USD)

EQUITY | Credit Services | New York Stock Exchange

Last Closing

USD 107.62

Change

0.00 (0.00)%

Market Cap

USD 0.40B

Volume

0.14M

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: 2025-01-20 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
V Visa Inc. Class A

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USD 595.87B
MA Mastercard Inc

+3.36 (+0.64%)

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AXP American Express Company

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COF Capital One Financial Corporat..

+2.24 (+1.17%)

USD 66.83B
SYF Synchrony Financial

+0.72 (+1.05%)

USD 26.77B
ALLY Ally Financial Inc

+1.25 (+3.38%)

USD 11.39B
OMF OneMain Holdings Inc

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USD 6.53B
BFH Bread Financial Holdings Inc

+2.22 (+3.61%)

USD 3.08B
MUI BlackRock Muni Intermediate Du..

-0.02 (-0.16%)

USD 2.77B
LU Lufax Holding Ltd

+0.20 (+7.94%)

USD 2.15B

ETFs Containing ENVA

FYC First Trust Small Cap Gro.. 0.70 % 0.70 %

+1.57 (+2.30%)

USD 0.48B
FYX First Trust Small Cap Cor.. 0.35 % 0.63 %

+1.63 (+2.30%)

USD 0.97B
LEND 0.00 % 0.00 %

N/A

N/A
SPUN 0.00 % 0.55 %

N/A

N/A
AZTD Aztlan Global Stock Selec.. 0.00 % 0.00 %

+0.54 (+2.30%)

USD 0.03B

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 12.24% 97% N/A 95% A
Dividend Return N/A N/A N/A N/A N/A
Total Return 12.24% 97% N/A 95% A
Trailing 12 Months  
Capital Gain 89.27% 92% A 97% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 89.27% 84% B 96% N/A
Trailing 5 Years  
Capital Gain 356.21% 100% F 98% N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return 356.21% 100% F 98% N/A
Average Annual (5 Year Horizon)  
Capital Gain 51.29% 97% N/A 94% A
Dividend Return 51.29% 97% N/A 93% A
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) 51.81% 38% F 19% F
Risk Adjusted Return 98.99% 95% A 95% A
Market Capitalization 0.40B 64% D 71% 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 30% 51%
Price/Book Ratio 2.39 24% 36%
Price / Cash Flow Ratio 2.42 60% 71%
Price/Free Cash Flow Ratio 20.55 30% 16%
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.