Enova International, Inc. (ENVA) on Decifer

Why it ranks here

• It earns strong returns on the money it puts to work, around 247% and those returns have been improving and it turns most of its profit into real cash.
• Revenue is growing about 19% a year and profits grew 58% over the past year.
• It keeps a high share of every sale as profit.
• It is riding an active market tailwind but its balance sheet leaves little room to fund growth.
• It is not watering down its owners with new shares and it returns cash to shareholders.
• Our durability check found pressure on this name, which costs it a few points.
• It trades about 16% above similar companies, and its growth does not yet back up that price.

The current read

The evidence on ENVA lines up on the supportive side: the intelligence feed flags this name as connected to what is moving markets now. The independent signals we track are telling the same story.

Themes

• Digitizing Financial Software & Compliance: Banks and consumers are replacing legacy financial systems with cloud-based software for core banking, tax, credit decisioning and health-savings administration.

Read the full ENVA research brief · See all quality rankings

Intelligence data powered by Decifer. Not financial advice. For informational purposes only.