Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.02
Equity-to-Asset	0.27
Debt-to-Equity	2.4
Debt-to-EBITDA	11.19
Interest Coverage	5.25
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.42	Distress Grey Safe
Beneish M-Score	-3.31	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	25.5
	3-Year EBITDA Growth Rate	-2.6
	3-Year EPS without NRI Growth Rate	-1.9
	3-Year FCF Growth Rate	16.9
	3-Year Book Growth Rate	18.5
	Future 3-5Y Total Revenue Growth Rate	16.16

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	39.78
	9-Day RSI	39.93
	14-Day RSI	43.44
	6-1 Month Momentum %	22.47
	12-1 Month Momentum %	26.1

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	15.79
	Quick Ratio	15.79
	Cash Ratio	0.21
	Days Payable	51.01

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	6.7
	Shareholder Yield %	-22.79

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	48.88
	Operating Margin %	10.74
	Net Margin %	8.27
	FCF Margin %	52.97
	ROE %	14.22
	ROA %	4.33
	ROIC %	4.64
	ROC (Joel Greenblatt) %	173.93
	ROCE %	5.96
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	11.08
	Forward PE Ratio	7.26
	PE Ratio without NRI	8.88
	Shiller PE Ratio	13.43
	Price-to-Owner-Earnings	8.11
	PEG Ratio	0.44
	PS Ratio	0.91
	PB Ratio	1.42
	Price-to-Tangible-Book	1.87
	Price-to-Free-Cash-Flow	1.71
	Price-to-Operating-Cash-Flow	1.65
	EV-to-EBIT	20.03
	EV-to-Forward-EBIT	8.58
	EV-to-EBITDA	17.15
	EV-to-Forward-EBITDA	8.02
	EV-to-Revenue	2.15
	EV-to-Forward-Revenue	1.84
	EV-to-FCF	4.06
	Price-to-Projected-FCF	0.15
	Price-to-Peter-Lynch-Fair-Value	0.39
	Price-to-Graham-Number	0.86
	Price-to-Net-Current-Asset-Value	2.27
	Earnings Yield (Greenblatt) %	4.99
	FCF Yield %	67.21
	Forward Rate of Return (Yacktman) %	59.93

GF Value: $66.27

ENVA

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