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Enova International (Enova International) Cyclically Adjusted PS Ratio : 1.54 (As of May. 19, 2024)


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What is Enova International Cyclically Adjusted PS Ratio?

As of today (2024-05-19), Enova International's current share price is $62.16. Enova International's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 was $40.30. Enova International's Cyclically Adjusted PS Ratio for today is 1.54.

The historical rank and industry rank for Enova International's Cyclically Adjusted PS Ratio or its related term are showing as below:

ENVA' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.87   Med: 1.3   Max: 1.66
Current: 1.54

During the past years, Enova International's highest Cyclically Adjusted PS Ratio was 1.66. The lowest was 0.87. And the median was 1.30.

ENVA's Cyclically Adjusted PS Ratio is ranked better than
68.27% of 375 companies
in the Credit Services industry
Industry Median: 2.93 vs ENVA: 1.54

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Enova International's adjusted revenue per share data for the three months ended in Mar. 2024 was $20.672. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $40.30 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Enova International Cyclically Adjusted PS Ratio Historical Data

The historical data trend for Enova International's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Enova International Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 1.41 1.13 1.44

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 PS Ratio 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 1.26 1.47 1.36 1.44 1.56

Competitive Comparison of Enova International's Cyclically Adjusted PS Ratio

For the Credit Services subindustry, Enova International's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 PS Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Enova International's Cyclically Adjusted PS Ratio falls into.



Enova International Cyclically Adjusted PS Ratio Calculation

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

Enova International's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=62.16/40.3
=1.54

* 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 Revenue per Share for the quarter that ended in Mar. 2024 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=20.672/131.7762*131.7762
=20.672

Current CPI (Mar. 2024) = 131.7762.

Enova International Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201406 6.106 100.560 8.001
201409 6.217 100.428 8.158
201412 5.901 99.070 7.849
201503 5.019 99.621 6.639
201506 4.431 100.684 5.799
201509 5.004 100.392 6.568
201512 5.306 99.792 7.007
201603 5.263 100.470 6.903
201606 5.176 101.688 6.708
201609 5.839 101.861 7.554
201612 5.995 101.863 7.756
201703 5.649 102.862 7.237
201706 5.565 103.349 7.096
201709 6.471 104.136 8.189
201712 3.771 104.011 4.778
201803 7.356 105.290 9.206
201806 7.161 106.317 8.876
201809 8.240 106.507 10.195
201812 4.875 105.998 6.061
201903 7.682 107.251 9.439
201906 7.527 108.070 9.178
201909 8.839 108.329 10.752
201912 10.120 108.420 12.300
202003 11.033 108.902 13.350
202006 8.338 108.767 10.102
202009 6.737 109.815 8.084
202012 7.397 109.897 8.870
202103 6.921 111.754 8.161
202106 6.940 114.631 7.978
202109 8.429 115.734 9.597
202112 9.742 117.630 10.914
202203 11.058 121.301 12.013
202206 12.185 125.017 12.844
202209 13.839 125.227 14.563
202212 14.906 125.222 15.686
202303 14.774 127.348 15.288
202306 15.509 128.729 15.876
202309 17.283 129.860 17.538
202312 18.901 129.419 19.245
202403 20.672 131.776 20.672

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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  (NYSE:ENVA) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Enova International Cyclically Adjusted PS Ratio Related Terms

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


Enova International (Enova International) 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.
Executives
Linda Johnson Rice director
Steven E Cunningham officer: Executive VP - CFO & Treasurer 2500 LAKE COOK ROAD, RIVERWOODS IL 60015
Ellen Carnahan director 222 WEST ADAMS ST, C/O WILLIAM BLAIR VENTURE MANAGEMENT CO, CHICAGO IL 60606-5307
Kirk Chartier officer: SVP - Chief Marketing Officer C/O OPTIONSXPRESS HOLDINGS, INC., 311 WEST MONROE; SUITE 1000, CHICAGO IL 60606
Sean Rahilly officer: VP - Chief Compliance Officer C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
David Fisher director, officer: President - CEO 39 SOUTH LASALLE STREET, SUITE 220, CHICAGO IL 60605
James A Gray director 39 SOUTH LASALLE STREET SUITE 220, CHICAGO IL 60605
Gregg A. Kaplan director C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
James Joseph Lee officer: Chief Accounting Officer C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., SUITE 1000, CHICAGO IL 60604
William M Goodyear director NAVIGANT CONSULTING, INC, 615 N. WABASH AVENUE, CHICAGO IL 60611
Mark Mcgowan director C/O COMBIMATRIX CORPORATION, 6500 HARBOUR HEIGHTS PARKWAY, SUITE 303, MUKILTEO WA 98275
Gregory T Zeeman officer: SVP - Chief Operating Officer C/O HSBC NORTH AMERICA, 26525 N. RIVERWOODS BLVD., METTAWA IL 60045
Daniel R Feehan director CASH AMERICA INTL INC, 1600 W &TH ST, FORT WORTH TX 76102
Mark Tebbe director LANTE CORP, 161 NORTH CLARK STREET, SUITE 4900, CHICAGO IL 60601
John Higginson officer: VP - Chief Technology Officer C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604