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STOCK COMPARISON

Enova International vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Enova International (ENVA) and Visa Inc. Class A (V) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees Enova International as the less overvalued of the two: Enova International trades at $233 versus a fair value of $161 (-31%), while Visa Inc. Class A trades at $379 versus $198 (-48%).
Enova International
ENVA · USD · Financials
-31%
upside to fair value
overvalued
Price$233
Fair Value$161
Quality68/100
Visa Inc. Class A
V · USD · Financials
-48%
upside to fair value
overvalued
Price$379
Fair Value$198
Quality82/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Enova InternationalVisa Inc. Class A
Valuation
19.4×P/E (TTM)30.4×
3.75×P/S (TTM)15.42×
4.43×P/B17.51×
19.4×EV/EBITDA22.0×
—PEG1.53×
−30.9%Fair value upside−47.7%
0.6%Dividend yield0.7%
—Dividend per share$2.60
Profitability
27%Operating margin67%
—EBIT margin trend (5Y)0.93×
25%Return on equity60%
5%Return on assets19%
Growth
26%Revenue growth (YoY)17%
22.0%Avg. growth/yr (3Y)10.9%
23.8%Avg. growth/yr (5Y)12.9%
+11.1%Value creation/yr+16.5%
Balance & size
4.4×Interest coverage (EBIT/interest)40.7×
3.30×Debt / equity0.52×
$6BMarket cap$664B
healthyGrowth qualityhealthy

Enova International leads: 7 to 6 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Enova Internationalof which business quality 63 · market factors 82 Visa Inc. Class Aof which business quality 76 · market factors 69
ProfitabilityMargins and returns on capital today
48
76
Quality GrowthAre margins and returns improving?
71
41
CashflowEarnings quality: real cash, not paper profit
100
85
Fin. StrengthBalance sheet, leverage, solvency risk
12
71
InvestmentDisciplined investing over empire-building
61
85
Low VolatilityCalm price path (market factor)
44
82
MomentumPrice trend over the last 3–12 months (market factor)
100
58
52W MomentumDistance to the 52-week high (market factor)
96
72
Net IssuanceBuybacks instead of dilution
100
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyEnova InternationalPrice $233Visa Inc. Class APrice $379
DCF Models+68%above the price$392-38%below the price$236
Earnings-Based+60%above the price$373-29%below the price$269
Dividend Discount-94%below the price$14.70n/a
Multiples-49%below the price$118-75%below the price$94.55
Asset-Based-85%below the price$35.99-96%below the price$15.30
Growth DCF+378%above the price$1,115-42%below the price$219
Economic Profit-49%below the price$119-50%below the price$190
Minimum-94%below the price$14.70-96%below the price$15.30
Maximum+378%above the price$1,115-29%below the price$269
Median-49%below the price$119-46%below the price$205
Geometric mean-39%below the price$143-67%below the price$125

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Enova International: 8 of 13 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Enova International
Bear $121Fair Value $161Bull $573
$233 = current price (white tick)
Visa Inc. Class A
Bear $119Fair Value $198Bull $332
$379 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Enova International · Financials

Quality score68 · Top 25%
Fair value upside-31% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-48% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees Enova International as the less overvalued of the two: Enova International trades at $233 versus a fair value of $161 (-31%), while Visa Inc. Class A trades at $379 versus $198 (-48%).

Visa Inc. Class A has the higher quality score (82/100).

See the full analysis →
Enova International · Visa Inc. Class A

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.