Enova International Stock Buy Hold or Sell Recommendation
| ENVA Stock | USD 101.72 1.03 1.00% |
Given the investment horizon of 90 days and your complete indifference towards market risk, our recommendation regarding Enova International is 'Strong Hold'. Macroaxis provides Enova International buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding ENVA positions.
Check out Enova International Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide. In addition, we conduct extensive research on individual companies such as Enova and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Enova International. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real.
Enova |
Execute Enova International Buy or Sell Advice
The Enova recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Enova International. Macroaxis does not own or have any residual interests in Enova International or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Enova International's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Enova International Trading Alerts and Improvement Suggestions
| Enova International generated a negative expected return over the last 90 days | |
| Over 96.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from news.google.com: 3 Reasons Growth Investors Will Love Enova International - MSN |
Enova International Returns Distribution Density
The distribution of Enova International's historical returns is an attempt to chart the uncertainty of Enova International's future price movements. The chart of the probability distribution of Enova International daily returns describes the distribution of returns around its average expected value. We use Enova International price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Enova International returns is essential to provide solid investment advice for Enova International.
| Mean Return | 0.04 | Value At Risk | -3.15 | Potential Upside | 3.14 | Standard Deviation | 1.80 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Enova International historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Enova Stock Institutional Investors
| Shares | Goldman Sachs Group Inc | 2024-12-31 | 437.4 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 423 K | Mangrove Partners | 2024-12-31 | 415.2 K | Northern Trust Corp | 2024-12-31 | 403.8 K | Amvescap Plc. | 2024-12-31 | 316.2 K | Harspring Capital Management Llc | 2024-12-31 | 302.4 K | No Street Gp Lp | 2024-12-31 | 275 K | Ubs Group Ag | 2024-12-31 | 243.1 K | Bridgeway Capital Management, Llc | 2024-12-31 | 215.2 K | Sparta 24 Ltd. | 2024-12-31 | 32 M | Blackrock Inc | 2024-12-31 | 5 M |
Enova International Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 288.2M | (143.3M) | (47.5M) | 199.0M | (54.8M) | (52.0M) | |
| Free Cash Flow | 711.4M | 442.2M | 850.4M | 1.1B | 1.5B | 1.6B | |
| Depreciation | 19.7M | 35.4M | 36.9M | 38.2M | 40.2M | 22.4M | |
| Other Non Cash Items | 247.0M | 177.7M | 619.3M | 889.8M | 1.2B | 1.2B | |
| Capital Expenditures | 29.5M | 29.7M | 43.6M | 45.2M | 43.4M | 25.7M | |
| Net Income | 377.9M | 257.1M | 207.4M | 175.1M | 209.4M | 121.7M | |
| End Period Cash Flow | 369.2M | 225.9M | 178.4M | 377.4M | 322.7M | 338.8M | |
| Change To Netincome | 666.0M | (142.2M) | 471.9M | 43.4M | 49.9M | 47.4M | |
| Investments | 83.6M | (980.4M) | (1.7B) | (1.4B) | (1.9B) | (1.8B) | |
| Net Borrowings | 127.1M | (478.9M) | 472.6M | 863.7M | 993.3M | 1.0B | |
| Dividends Paid | 189K | 15.5M | 4.2M | 22.4M | 20.2M | 15.0M |
Enova International Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Enova International or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Enova International's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Enova stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.03 | |
β | Beta against Dow Jones | 0.26 | |
σ | Overall volatility | 1.83 | |
Ir | Information ratio | 0.02 |
Enova International Volatility Alert
Enova International has relatively low volatility with skewness of -0.1 and kurtosis of 0.15. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Enova International's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Enova International's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Enova International Fundamentals Vs Peers
Comparing Enova International's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Enova International's direct or indirect competition across all of the common fundamentals between Enova International and the related equities. This way, we can detect undervalued stocks with similar characteristics as Enova International or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Enova International's fundamental indicators could also be used in its relative valuation, which is a method of valuing Enova International by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Enova International to competition |
| Fundamentals | Enova International | Peer Average |
| Return On Equity | 0.17 | -0.31 |
| Return On Asset | 0.0425 | -0.14 |
| Profit Margin | 0.17 % | (1.27) % |
| Operating Margin | 0.23 % | (5.51) % |
| Current Valuation | 6.15 B | 16.62 B |
| Shares Outstanding | 25.79 M | 571.82 M |
| Shares Owned By Insiders | 4.24 % | 10.09 % |
| Shares Owned By Institutions | 95.76 % | 39.21 % |
| Number Of Shares Shorted | 1.88 M | 4.71 M |
| Price To Earning | 2.95 X | 28.72 X |
| Price To Book | 2.20 X | 9.51 X |
| Price To Sales | 2.12 X | 11.42 X |
| Revenue | 2.66 B | 9.43 B |
| Gross Profit | 1.01 B | 27.38 B |
| EBITDA | 334.52 M | 3.9 B |
| Net Income | 209.45 M | 570.98 M |
| Cash And Equivalents | 87.73 M | 2.7 B |
| Cash Per Share | 2.77 X | 5.01 X |
| Total Debt | 3.6 B | 5.32 B |
| Debt To Equity | 1.83 % | 48.70 % |
| Current Ratio | 17.98 X | 2.16 X |
| Book Value Per Share | 46.38 X | 1.93 K |
| Cash Flow From Operations | 1.54 B | 971.22 M |
| Short Ratio | 9.49 X | 4.00 X |
| Earnings Per Share | 7.43 X | 3.12 X |
| Target Price | 129.57 | |
| Number Of Employees | 1.79 K | 18.84 K |
| Beta | 1.5 | -0.15 |
| Market Capitalization | 2.63 B | 19.03 B |
| Total Asset | 5.27 B | 29.47 B |
| Retained Earnings | 1.7 B | 9.33 B |
| Working Capital | 4.33 B | 1.48 B |
| Current Asset | 440.77 M | 9.34 B |
Note: Disposition of 4841 shares by Kirk Chartier of Enova International at 87.71 subject to Rule 16b-3 [view details]
Enova International Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Enova . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 7100.59 | |||
| Daily Balance Of Power | (0.39) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 101.95 | |||
| Day Typical Price | 101.87 | |||
| Price Action Indicator | (0.75) | |||
| Period Momentum Indicator | (1.03) | |||
| Relative Strength Index | 61.25 |
About Enova International Buy or Sell Advice
When is the right time to buy or sell Enova International? Buying financial instruments such as Enova Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out Enova International Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.You can also try the Price Ceiling Movement module to calculate and plot Price Ceiling Movement for different equity instruments.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enova International. If investors know Enova will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enova International listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 1.038 | Earnings Share 7.43 | Revenue Per Share | Quarterly Revenue Growth 0.255 | Return On Assets |
The market value of Enova International is measured differently than its book value, which is the value of Enova that is recorded on the company's balance sheet. Investors also form their own opinion of Enova International's value that differs from its market value or its book value, called intrinsic value, which is Enova International's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enova International's market value can be influenced by many factors that don't directly affect Enova International's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Enova International's value and its price as these two are different measures arrived at by different means. Investors typically determine if Enova International is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enova International's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.