Enova International, Inc. (ENVA) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servic...
Is Enova International, Inc. stock overvalued or undervalued in 2026?
Enova International, Inc. (ENVA) trades at 13.3× earnings (P/E), above the median of the 324 financial services companies over $2bn in Kaplio's universe. At the decade median (11.5×) $155 (-14 %); at its sector median (13.0×) $176 (-2 %).
Kaplio overview: Enova International, Inc.
Market cap $4B · 52 weeks $119 – $265 (32 % below the high) · P/E 13.3× · 2027 expected P/E 8.4× · Dividend none · Next earnings January 26, 2027 · expected EPS $4.63 · Closing price, Oct 28 · accounts published Oct 22.
- Valuation: P/E 13.3× (fairly priced).
- Business: ROE 26.4 % (excellent).
- Balance sheet: Debt/Equity 3.45 (fragile).
- Earnings: 7 of 8 (on track).
What would it be worth at its usual multiples?
At the decade median (11.5×) $155 (-14 %); at its sector median (13.0×) $176 (-2 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
P/E calculated by Kaplio with 12-month GAAP earnings; the data provider reports 10.6×.
What matters in financial services: 3 of 6 pass
- Operating margin 23.5 %, fails.
- Debt / Equity 3.45, fails.
- P/E vs own 5y 13.3×, fails.
- 5y revenue growth 30.2 %, passes.
- ROE 26.4 %, passes.
- FCF / Net Income 574.6 %, passes.
Against its peers (reference peers) — Enova International, Inc.: P/E 13.3×; EV/EBITDA 10.6×; ROIC 9.3 %; $4.4B. Bread Financial Holdings, Inc. (P/E 7.9×; EV/EBITDA 4.2×; ROIC 6.9 %; $3.8B), Cathay General Bancorp (P/E 11.9×; EV/EBITDA 5.8×; ROIC 10.3 %; $4.3B), First BanCorp. (P/E 11.3×; EV/EBITDA 8.2×; ROIC 1.9 %; $4.1B).
Expensive or cheap against its last ten years?
P/E at each close: today 13.3× · median 11.5× · minimum 2.6× · maximum 43.9× · cheap below 8.2× · expensive above 17.3×. It has been cheaper than today 63% of the time over its last ten years.
Profitability
| Return on Equity | 26.36% |
| Return on Invested Capital | 9.27% |
| Return on Assets | 4.97% |
| Gross Margin | 76.69% |
| Operating Margin | 27.37% |
| Net Margin | 11.89% |
Financial Health
| Debt / Equity | 3.45 |
| Current Ratio | 1.78 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 1.71 |
Price Performance
| 1 month | +7.09% |
| 3 months | -29.24% |
| Year-to-date | +14.39% |
| 1 year | +48.15% |
| 3 years | +354.90% |
| 5 years | +454.32% |
| 10 years | +1812.98% |
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Explore sector: Financial Services · Financial - Credit Services
More sections of ENVA: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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