Enova International (ENVA) Fundamental Analysis: Revenue, Earnings & Valuation

2.29 / 10

Underperform

Fundamentally ENVA is rated Underperform. Cash‑to‑market value and operating‑revenue growth are strong, yet asset turnover and total profit growth lag, resulting in a low composite score of 2.3/10. The balance sheet shows modest cash advantage but overall financial health is subdued.

Analysis Checks(4/10)

Gross profit margin (%)

Value58.07

Score1/3

Weight1.36%

1M Return0.72%

Total profit (YoY growth rate %)

Value47.93

Score1/3

Weight7.07%

1M Return3.24%

Net cash flow from operating activities (YoY growth rate %)

Value18.23

Score2/3

Weight13.60%

1M Return6.03%

Net profit margin (%)

Value9.79

Score1/3

Weight4.94%

1M Return2.48%

Total profit / EBIT (%)

Value54.17

Score3/3

Weight17.08%

1M Return7.57%

Operating revenue (YoY growth rate %)

Value18.58

Score2/3

Weight21.94%

1M Return10.24%

Total assets turnover ratio

Value0.54

Score1/3

Weight6.29%

1M Return3.15%

EBIT / Total operating revenue (%)

Value23.49

Score1/3

Weight3.93%

1M Return1.87%

Asset-MV

Value-0.55

Score1/3

Weight14.27%

1M Return6.37%

Cash-MV

Value1.53

Score2/3

Weight9.52%

1M Return4.28%

Is ENVA undervalued or overvalued?

ENVA scores 2.29/10 on fundamentals and holds a Premium valuation at present. Backed by its 24.34% ROE, 9.79% net margin, 10.52 P/E ratio, 2.43 P/B ratio, and 57.46% earnings growth, these metrics solidify its Underperform investment rating.