Discounted Cash Flow
Enova International, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $745.6m | $34.6m | $34.6m | 4.6% | $1.04 |
| 2017 | $843.7m (13.2%) | $29.2m (-15.5%) | $29.2m (-15.5%) | 3.5% (-25.3%) | $0.87 (-16.3%) |
| 2018 | $1.1b (32.0%) | $70.1m (139.7%) | $668.8m (2187.1%) | 6.3% (81.6%) | $2.06 (136.8%) |
| 2019 | $1.2b (5.4%) | $36.6m (-47.8%) | $36.6m (-94.5%) | 3.1% (-50.5%) | $1.09 (-47.1%) |
| 2020 | $1.1b (-7.8%) | $377.8m (932.0%) | $711.4m (1843.0%) | 34.9% (1018.7%) | $11.85 (987.2%) |
| 2021 | $1.2b (11.5%) | $256.3m (-32.2%) | $442.2m (-37.8%) | 21.2% (-39.1%) | $7.05 (-40.5%) |
| 2022 | $1.7b (43.7%) | $207.4m (-19.1%) | $850.4m (92.3%) | 11.9% (-43.7%) | $6.42 (-8.9%) |
| 2023 | $2.1b (22.0%) | $175.1m (-15.6%) | $1.1b (31.9%) | 8.3% (-30.8%) | $5.71 (-11.1%) |
| 2024 | $2.7b (25.5%) | $209.4m (19.6%) | $1.5b (33.3%) | 7.9% (-4.7%) | $7.78 (36.3%) |
| 2025 | $3.2b (18.6%) | $308.4m (47.2%) | $1.8b (18.5%) | 9.8% (24.2%) | $12.25 (57.5%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.