GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Enova International Inc (FRA:27E) » Definitions » Cyclically Adjusted Price-to-FCF

Enova International (FRA:27E) Cyclically Adjusted Price-to-FCF : 2.69 (As of Jun. 10, 2024)


View and export this data going back to 2015. Start your Free Trial

What is Enova International Cyclically Adjusted Price-to-FCF?

As of today (2024-06-10), Enova International's current share price is €54.00. Enova International's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 was €20.06. Enova International's Cyclically Adjusted Price-to-FCF for today is 2.69.

The historical rank and industry rank for Enova International's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

FRA:27E' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 1.58   Med: 2.23   Max: 3.02
Current: 2.68

During the past years, Enova International's highest Cyclically Adjusted Price-to-FCF was 3.02. The lowest was 1.58. And the median was 2.23.

FRA:27E's Cyclically Adjusted Price-to-FCF is ranked better than
83.65% of 104 companies
in the Credit Services industry
Industry Median: 9.34 vs FRA:27E: 2.68

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Enova International's adjusted free cash flow per share data for the three months ended in Mar. 2024 was €10.519. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is €20.06 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Enova International Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Enova International's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Enova International Cyclically Adjusted Price-to-FCF Chart

Enova International Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 2.43 2.04 2.63

Enova International Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.28 2.64 2.47 2.63 2.84

Competitive Comparison of Enova International's Cyclically Adjusted Price-to-FCF

For the Credit Services subindustry, Enova International's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Enova International's Cyclically Adjusted Price-to-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Enova International's Cyclically Adjusted Price-to-FCF falls into.



Enova International Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Enova International's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=54.00/20.06
=2.69

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enova International's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, Enova International's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=10.519/131.7762*131.7762
=10.519

Current CPI (Mar. 2024) = 131.7762.

Enova International Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201406 2.738 100.560 3.588
201409 2.748 100.428 3.606
201412 1.689 99.070 2.247
201503 2.136 99.621 2.825
201506 0.867 100.684 1.135
201509 1.847 100.392 2.424
201512 2.078 99.792 2.744
201603 2.607 100.470 3.419
201606 2.042 101.688 2.646
201609 3.090 101.861 3.997
201612 2.519 101.863 3.259
201703 3.234 102.862 4.143
201706 1.644 103.349 2.096
201709 2.984 104.136 3.776
201712 3.251 104.011 4.119
201803 3.511 105.290 4.394
201806 3.364 106.317 4.170
201809 4.042 106.507 5.001
201812 5.342 105.998 6.641
201903 5.570 107.251 6.844
201906 4.830 108.070 5.890
201909 4.894 108.329 5.953
201912 6.264 108.420 7.613
202003 6.818 108.902 8.250
202006 6.535 108.767 7.917
202009 3.710 109.815 4.452
202012 2.489 109.897 2.985
202103 2.463 111.754 2.904
202106 2.080 114.631 2.391
202109 2.184 115.734 2.487
202112 3.298 117.630 3.695
202203 3.733 121.301 4.055
202206 6.369 125.017 6.713
202209 6.823 125.227 7.180
202212 7.490 125.222 7.882
202303 7.756 127.348 8.026
202306 8.285 128.729 8.481
202309 7.591 129.860 7.703
202312 8.983 129.419 9.147
202403 10.519 131.776 10.519

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Enova International  (FRA:27E) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Enova International Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Enova International's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Enova International (FRA:27E) Business Description

Traded in Other Exchanges
Address
175 West Jackson Boulevard, Suite 1000, Chicago, IL, USA, 60604
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.

Enova International (FRA:27E) Headlines

No Headlines