Enova International, Inc. (ENVA) is a Financial - Credit Services company in the Financial Services sector, currently trading at $153.84. It has a SharesGrow Score of 68/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of ENVA = $171.16 (+11.3% from the current price, the stock appears fairly valued). Analyst consensus target is ENVA = $193 (+25.5% upside).
Valuation: ENVA trades at a trailing Price-to-Earnings (P/E) of 11.7 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.63.
Financials: revenue is $3.2B, +22%/yr average growth. Net income is $308M, growing at +17.1%/yr. Net profit margin is 9.8% (thin). Gross margin is 50.1% (-14.3 pp trend).
Balance sheet: total debt is $4.6B against $1.3B equity (Debt-to-Equity (D/E) ratio 3.41, leveraged). Current ratio is 0.23 (tight liquidity). Debt-to-assets is 70.5%. Total assets: $6.5B.
Analyst outlook: 7 / 10 analysts rate ENVA as buy (70%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 84/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 59/100 (Partial), Future 79/100 (Pass), Income 45/100 (Partial).
