Enova International Inc (ENVA) Fair Value & Analysis
Financial Services · US · Market cap $5.9B · ISIN US29357K1034
What is Enova International Inc really worth?
Enova International Inc
ENVA · US
A solid business, but trading 45% above our fair value of $161.10.
Strengths
Risks
Fair value as of: Aug 31, 2026
From 13 valuation models · updated 5 days ago
Share price −9.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The model range is unusually wide ($120.83 to $573.01). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 31, 2026.
How to read this chart
60‑month range $26.63 – $265.45 · fair‑value band $120.83 – $573.01 · the $233.17 price screens above the $161.10 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 31, 2026.
Analysis
Enova International Inc (ENVA) currently trades at $233.17, while our model-based Fair Value estimate is $161.10, implying the stock looks roughly 44.7% overvalued today. The Quality Score stands at 69/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of $491.94 per share, and 5 of the 13 models we run sit above the $233.17 price. Bear case: the Asset-Based group reads lowest at $35.99, and 8 of the 13 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Enova International Inc generated revenue of $1.6B at a net margin of 20.7%. Revenue grew 25.8% year over year. It earns a return on equity of 25.1%. Net debt stands at $4.5B. Fundamentals as of Aug 31, 2026
Our scenario range runs from $120.83 (bear case) to $573.01 (bull case); at $233.17, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 151% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −31%, ENVA screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $8.31 per share, which is 5.2 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Growth DCF ($491.94) versus Dividend Discount ($13.63). Highest evidence: Growth DCF (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 82
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally.
Full company description
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 servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Enova International Inc reported revenue of $3.2B in FY2025 versus $1.2B in FY2021, a compound +27.1%/yr. Reported net income was $308M in FY2025, compounding +4.7%/yr from FY2021.
of which total revenue +15.3 % · buybacks/dilution +1.6 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
ENVA screens 45% overvalued. Compare with Visa Inc →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Q2 Earnings Outperformers: Enova (NYSE:ENVA) And The Rest Of The Personal Loan Stocks
- Enova International, Inc. (ENVA) Hit a 52 Week High, Can the Run Continue?
- Enova International (ENVA) Is a Great Choice for 'Trend' Investors, Here's Why
Peer Group
Credit Services · 324 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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