Profitability
Weight: 25%
B
70
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 3.6%
- Operating Margin Trend -2.16 pp/yr
ENVA
Enova International, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
100
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 22.0%
- 5yr Share-Count CAGR -8.6%
Growth Quality
Weight: 10%
A+
95
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 34.9%
- 5yr EPS CAGR 14.3%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 5.21x
Balance Sheet
Weight: 30%
A-
83
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 20.7%
- Interest Coverage (EBIT/Int) 2.88x
Stability
Weight: 10%
C-
50
- EPS Volatility (σ/μ) 0.75
- Piotroski F-Score 6
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 1 added; 1 trimmed.
- Holders
- 4 +1
- Avg Δ position
- -0.1%
- New buys
- 0
- Full exits
- 0
- Greenblatt decreased -0%
- Wood increased