ScoreWhy is Enova International, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 23.91%
- Healthy long term growth as Operating profit has grown by an annual rate of 22.87%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 1,667.57 MM
- ROCE(HY) Highest at 21.56%
- NET SALES(Q) Highest at USD 764.04 MM
3
With ROE of 19.55%, it has a very attractive valuation with a 2.59 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 28.37%, its profits have risen by 35.5% ; the PEG ratio of the company is 0.3
4
Market Beating performance in long term as well as near term
- Along with generating 28.37% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Enova International, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Enova International, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Enova International, Inc.
28.37%
3.25
40.22%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.82%
EBIT Growth (5y)
22.87%
EBIT to Interest (avg)
3.84
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.35%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
97.64%
ROCE (avg)
61.16%
ROE (avg)
23.91%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.59
EV to EBIT
4.46
EV to EBITDA
4.19
EV to Capital Employed
3.16
EV to Sales
1.00
PEG Ratio
0.28
Dividend Yield
NA
ROCE (Latest)
70.74%
ROE (Latest)
19.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 1,667.57 MM
ROCE(HY)
Highest at 21.56%
NET SALES(Q)
Highest at USD 764.04 MM
INTEREST COVERAGE RATIO(Q)
Highest at 234.9
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
PRE-TAX PROFIT(Q)
Highest at USD 102.07 MM
NET PROFIT(Q)
Highest at USD 76.92 MM
EPS(Q)
Highest at USD 2.86
-2What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 294.36 %
Here's what is working for Enova International, Inc.
Operating Cash Flow
Highest at USD 1,667.57 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 764.04 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Interest Coverage Ratio
Highest at 234.9
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Pre-Tax Profit
Highest at USD 102.07 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 76.92 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.86
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 10.35 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for Enova International, Inc.
Debt-Equity Ratio
Highest at 294.36 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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