ENVA
Enova International·NYSE
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3.95 / 10
Netural
Analysis concludes challenging fundamental quality (4.0/10). Favorable components: Profit-MV and Cash-MV, though challenges appear in Total assets turnover ratio and Total profit (YoY growth rate %). Investment recommendation: defensive.
Analysis Checks(5/10)
Gross profit margin (%)
Value57.45
Score1/3
Weight1.27%
1M Return0.93%
Value57.45
Score1/3
Weight1.27%
1M Return0.93%
Total profit (YoY growth rate %)
Value56.04
Score1/3
Weight5.13%
1M Return3.41%
Value56.04
Score1/3
Weight5.13%
1M Return3.41%
Total profit / EBIT (%)
Value54.70
Score3/3
Weight16.37%
1M Return10.07%
Value54.70
Score3/3
Weight16.37%
1M Return10.07%
Total assets turnover ratio
Value0.41
Score1/3
Weight4.70%
1M Return3.38%
Value0.41
Score1/3
Weight4.70%
1M Return3.38%
Asset-MV
Value-0.50
Score2/3
Weight26.93%
1M Return13.76%
Value-0.50
Score2/3
Weight26.93%
1M Return13.76%
Profit-MV
Value1.31
Score3/3
Weight15.96%
1M Return9.34%
Value1.31
Score3/3
Weight15.96%
1M Return9.34%
Net profit margin (%)
Value9.92
Score0/3
Weight1.65%
1M Return1.14%
Value9.92
Score0/3
Weight1.65%
1M Return1.14%
Operating revenue (YoY growth rate %)
Value19.92
Score2/3
Weight11.21%
1M Return7.92%
Value19.92
Score2/3
Weight11.21%
1M Return7.92%
EBIT / Total operating revenue (%)
Value23.90
Score1/3
Weight1.59%
1M Return1.22%
Value23.90
Score1/3
Weight1.59%
1M Return1.22%
Cash-MV
Value0.14
Score2/3
Weight15.19%
1M Return7.48%
Value0.14
Score2/3
Weight15.19%
1M Return7.48%
Gross profit margin (%)
Value57.45
Score1/3
Weight1.27%
1M Return0.93%
Value57.45
Score1/3
Weight1.27%
1M Return0.93%
Profit-MV
Value1.31
Score3/3
Weight15.96%
1M Return9.34%
Value1.31
Score3/3
Weight15.96%
1M Return9.34%
Total profit (YoY growth rate %)
Value56.04
Score1/3
Weight5.13%
1M Return3.41%
Value56.04
Score1/3
Weight5.13%
1M Return3.41%
Net profit margin (%)
Value9.92
Score0/3
Weight1.65%
1M Return1.14%
Value9.92
Score0/3
Weight1.65%
1M Return1.14%
Total profit / EBIT (%)
Value54.70
Score3/3
Weight16.37%
1M Return10.07%
Value54.70
Score3/3
Weight16.37%
1M Return10.07%
Operating revenue (YoY growth rate %)
Value19.92
Score2/3
Weight11.21%
1M Return7.92%
Value19.92
Score2/3
Weight11.21%
1M Return7.92%
Total assets turnover ratio
Value0.41
Score1/3
Weight4.70%
1M Return3.38%
Value0.41
Score1/3
Weight4.70%
1M Return3.38%
EBIT / Total operating revenue (%)
Value23.90
Score1/3
Weight1.59%
1M Return1.22%
Value23.90
Score1/3
Weight1.59%
1M Return1.22%
Asset-MV
Value-0.50
Score2/3
Weight26.93%
1M Return13.76%
Value-0.50
Score2/3
Weight26.93%
1M Return13.76%
Cash-MV
Value0.14
Score2/3
Weight15.19%
1M Return7.48%
Value0.14
Score2/3
Weight15.19%
1M Return7.48%
Is ENVA fundamentally strong?
- ENVA scores 3.95/10 on fundamentals and holds a Fair valuation at present. Backed by its 18.50% ROE, 9.64% net margin, 13.58 P/E ratio, 3.10 P/B ratio, and 75.69% earnings growth, these metrics solidify its Netural investment rating.
