Enova International, Inc. (ENVA): Price and Financial Metrics

ENVA POWR Grades

• ENVA scores best on the Value dimension, with a Value rank ahead of 90.67% of US stocks.
• The strongest trend for ENVA is in Growth, which has been heading down over the past 52 weeks.
• ENVA ranks lowest in Growth; there it ranks in the 27th percentile.

ENVA Stock Summary

• ENVA's one year PEG ratio, measuring expected growth in earnings next year relative to current common stock price is 0.85 -- higher than merely 4.83% of US-listed equities with positive expected earnings growth.
• ENVA's current price/earnings ratio is 2.74, which is higher than just 1.57% of US stocks with positive earnings.
• Over the past twelve months, ENVA has reported earnings growth of 321.75%, putting it ahead of 92.29% of US stocks in our set.
• If you're looking for stocks that are quantitatively similar to Enova International Inc, a group of peers worth examining would be NH, SANW, AVID, SUPN, and SCL.
• Visit ENVA's SEC page to see the company's official filings. To visit the company's web site, go to www.enova.com.

ENVA Valuation Summary

• ENVA's price/earnings ratio is 2.4; this is 78.18% lower than that of the median Financial Services stock.
• Over the past 82 months, ENVA's price/sales ratio has gone down 0.
• Over the past 82 months, ENVA's EV/EBIT ratio has gone down 6.4.

Below are key valuation metrics over time for ENVA.

ENVA Growth Metrics

• Its 2 year net income to common stockholders growth rate is now at -83.7%.
• Its 4 year cash and equivalents growth rate is now at 53.11%.
• The 5 year cash and equivalents growth rate now stands at 384.52%.

ENVA's revenue has moved down $79,278,000 over the prior 33 months.

The table below shows ENVA's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-06-30	965.896	477.355	480.455
2021-03-31	959.824	605.385	448.304
2020-12-31	1,083.71	740.871	377.844
2020-09-30	1,086.219	865.967	96.6
2020-06-30	1,211.187	917.326	30.018
2020-03-31	1,243.826	880.073	7.055

ENVA's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• ENVA has a Quality Grade of C, ranking ahead of 69.48% of graded US stocks.
• ENVA's asset turnover comes in at 0.467 -- ranking 15th of 433 Banking stocks.
• UBFO, WSBF, and BAC are the stocks whose asset turnover ratios are most correlated with ENVA.

The table below shows ENVA's key quality metrics over time.