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

ENVA POWR Grades

• Value is the dimension where ENVA ranks best; there it ranks ahead of 88.19% of US stocks.
• The strongest trend for ENVA is in Momentum, which has been heading down over the past 179 days.
• ENVA's current lowest rank is in the Growth metric (where it is better than 30.07% of US stocks).

ENVA Stock Summary

• With a price/earnings ratio of 5.12, Enova International Inc P/E ratio is greater than that of about only 6.86% of stocks in our set with positive earnings.
• Price to trailing twelve month operating cash flow for ENVA is currently 2.78, higher than only 8.72% of US stocks with positive operating cash flow.
• Enova International Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -27.81%, greater than the shareholder yield of only 14.15% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to Enova International Inc are SUPN, RMTI, EBIX, CMPR, and BKYI.
• 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 3 year revenue growth rate is now at 74.27%.
• The year over year net income to common stockholders growth rate now stands at 6254.42%.
• Its 5 year net income to common stockholders growth rate is now at -75.94%.

ENVA's revenue has moved down $128,699,000 over the prior 34 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
2021-12-31	1,024.26	471.868	256.295
2021-09-30	987.384	442.795	438.336
2021-06-30	922.77	477.355	480.455
2021-03-31	796.026	605.385	448.304
2020-12-31	684.193	740.871	377.844
2020-09-30	707.051	865.967	96.6

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 57.1% of graded US stocks.
• ENVA's asset turnover comes in at 0.443 -- ranking 16th of 428 Banking stocks.
• ELVT, BK, and UBFO are the stocks whose asset turnover ratios are most correlated with ENVA.

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