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Held by 365 of 5,944 reporting institutions (95th percentile) — extremely crowded.
Data as of Q1 2026
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Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $179.06 today, the market must believe free cash flow compounds -9.2%/yr for a decade (off $1.5B normalized FCF).
The market's -9.2% is more conservative than its 9-yr track record.
2-stage DCF · 0.02B shares · net debt $4.4B
mean 24.1% · volatility σ 37% · implied rate exceeded in 7/9 yrs
Central path = implied -9.2%/yr growth; shaded band = ±1σ (37%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
6/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor; leverage rising year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $215M buybacks = $215M returned on $1.8B FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 5%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $72M covers the $0 due within a year 71709000.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Coverage is adequate but not comfortable. Effective rate ~7.5% on $4.5B of debt.
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.15B 100.0% | $2.66B 100.0% | $2.12B 100.0% | $1.74B 100.0% | $1.21B 100.0% | $1.08B 100.0% | $1.17B 100.0% | $972.6M 100.0% | $728.9M 100.0% | $745.6M 100.0% |
| Cost of Revenue | — | — | — | — | — | — | $602.9M 51.3% | $503.4M 51.8% | $353.5M 48.5% | $328.0M 44.0% |
| Gross Profit | $1.83B 58.1% | $1.53B 57.5% | $1.23B 58.1% | $1.12B 64.4% | $1.02B 84.8% | $684.2M 63.1% | $571.9M 48.7% | $469.2M 48.2% | $375.4M 51.5% | $417.6M 56.0% |
| Selling, General & Admin | $169.7M 5.4% | $156.5M 5.9% | $160.3M 7.6% | $140.5M 8.1% | $157.0M 13.0% | $140.6M 13.0% | $109.2M 9.3% | $105.1M 10.8% | $99.8M 13.7% | $98.0M 13.1% |
| Total Operating Expenses | $1.09B 34.6% | $944.7M 35.5% | $807.8M 38.1% | $733.6M 42.3% | $611.2M 50.6% | $326.4M 30.1% | $323.7M 27.6% | $293.7M 30.2% | $259.2M 35.6% | $296.1M 39.7% |
| Operating Income | $739.4M 23.5% | $584.8M 22.0% | $422.1M 19.9% | $384.0M 22.1% | $413.1M 34.2% | $357.8M 33.0% | $248.2M 21.1% | $175.5M 18.0% | $116.2M 15.9% | $121.5M 16.3% |
| Interest Expense | $339.3M 10.8% | $290.4M 10.9% | $194.8M 9.2% | $115.9M 6.7% | $76.5M 6.3% | $86.7M 8.0% | $75.6M 6.4% | $79.4M 8.2% | — | — |
| Other Income (Expense), net | -$1.0M -0.0% | -$5.7M -0.2% | -$282K -0.0% | -$1.3M -0.1% | -$2.0M -0.2% | -$827K -0.1% | -$2.3M -0.2% | — | — | — |
| Pretax Income | $401.0M 12.7% | $271.1M 10.2% | $227.2M 10.7% | $272.6M 15.7% | $337.2M 27.9% | $435.4M 40.2% | $170.1M 14.5% | $68.9M 7.1% | $19.7M 2.7% | $57.4M 7.7% |
| Income Tax Expense | $92.6M 2.9% | $61.7M 2.3% | $52.1M 2.5% | $65.2M 3.8% | $80.1M 6.6% | $57.2M 5.3% | $42.1M 3.6% | $5.3M 0.5% | $2.1M 0.3% | $22.8M 3.1% |
| Net Income | $308.4M 9.8% | $209.4M 7.9% | $175.1M 8.3% | $207.4M 11.9% | $256.3M 21.2% | $377.8M 34.9% | $36.6M 3.1% | $70.1M 7.2% | $29.2M 4.0% | $34.6M 4.6% |
| Per Share | ||||||||||
| EPS (Basic) | $12.25 | $7.78 | $5.71 | $6.42 | $7.05 | $11.85 | $1.09 | $2.06 | $0.87 | $1.04 |
| EPS (Diluted) | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $1.06 | $1.99 | $0.86 | $1.03 |
| Weighted Avg Shares (Basic) | 25.2M | 26.9M | 30.7M | 32.3M | 36.4M | 31.9M | 33.7M | 34.0M | 33.5M | 33.2M |
| Weighted Avg Shares (Diluted) | 26.8M | 28.2M | 31.9M | 33.5M | 37.7M | 32.3M | 34.4M | 35.2M | 34.1M | 33.5M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
EOD close · as of 2026-09-17
Where each multiple sits in its own 12-yr range · 94th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 12-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 1.4× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 51.8 | 51.3 | — | — | — | — | — | — |
| Gross Profit | 48.2 | 48.7 | 63.1 | 84.8 | 64.4 | 58.1 | 57.5 | 58.1 |
| SG&A | 10.8 | 9.3 | 13.0 | 13.0 | 8.1 | 7.6 | 5.9 | 5.4 |
| Operating Income | 18.0 | 21.1 | 33.0 | 34.2 | 22.1 | 19.9 | 22.0 | 23.5 |
| Income Tax | 0.5 | 3.6 | 5.3 | 6.6 | 3.8 | 2.5 | 2.3 | 2.9 |
| Net Income | 7.2 | 3.1 | 34.9 | 21.2 | 11.9 | 8.3 | 7.9 | 9.8 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on ENVA: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $940.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $513.8B | 34.4× | — | 15.7× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $417.6B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $278.1B | 18.3× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $214.3B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $171.3B | 21.5× | — | 6.7× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $160.8B | 29.4× | — | 6.6× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| CB | $133.6B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $132.1B | — | — | — | — | — | — | — | — | — | 3,072 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| CME | $98.0B | 24.4× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| HOOD | $92.8B | 50.9× | — | 20.7× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| BX | $92.4B | 31.9× | — | 6.4× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $88.9B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $87.4B | 26.7× | 20.7× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $86.3B | — | — | 4.4× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $85.7B | 21.0× | 15.6× | 3.2× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| ENVA | $4.3B | 14.9× | 11.2× | 1.4× | 18.6% | 58.1% | 9.8% | 23.1% | 5.3% | 5.8× | 365 |
Peers = companies sharing ENVA's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.