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 51.22%, its profits have risen by 35.5% ; the PEG ratio of the company is 0.3
4
Consistent Returns over the last 3 years
- Along with generating 51.22% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
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.
107.4%
4.02
41.73%
S&P 500
25.41%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.80%
EBIT Growth (5y)
6.43%
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
98.62%
ROCE (avg)
61.16%
ROE (avg)
23.91%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
3.09
EV to EBIT
5.03
EV to EBITDA
4.76
EV to Capital Employed
4.00
EV to Sales
1.18
PEG Ratio
0.24
Dividend Yield
NA
ROCE (Latest)
79.61%
ROE (Latest)
23.13%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 1,902.51 MM
ROCE(HY)
Highest at 25.13%
NET SALES(Q)
Highest at USD 875.14 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
CASH AND EQV(HY)
Highest at USD 829.22 MM
PRE-TAX PROFIT(Q)
Highest at USD 115.52 MM
NET PROFIT(Q)
Highest at USD 93.24 MM
EPS(Q)
Highest at USD 3.46
-4What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 316.95 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 0.62 times
INTEREST(Q)
Highest at USD 94.05 MM
Here's what is working for Enova International, Inc.
Operating Cash Flow
Highest at USD 1,902.51 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 875.14 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 115.52 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 93.24 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 3.46
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 829.22 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
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
Here's what is not working for Enova International, Inc.
Debt-Equity Ratio
Highest at 316.95 % 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
Interest
Highest at USD 94.05 MM
in the last five periods and Increased by 5.64% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debtors Turnover Ratio
Lowest at 0.62 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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