ENVA

Enova International, Inc.

Fundamental data last updated:October 10, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; 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 markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.

 


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VALUATION

P/E

12.10

Market Cap ($M USD)

$3.95B

Forward P/E

6.00

PEG

0.06

PRICE TO SALES

1.21

PRICE TO BOOK

2.82

EV / EBITDA

13.54

5-Year Average P/E

Free Cash Flow Yield

46.98%

DCF Value

$215.15

Graham Number

$129.02

Price to FCF

2.13

EV to FCF

4.70

Earnings Yield

8.26%

FCF Yield

46.98%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$13.13

Next Year EPS Growth Estimate

$26.48

Next Year Revenue Growth Estimate

$5.54B

Return on Equity (ROE)

24.88%

FREE CASH FLOW

Operating Margin

23.69%

Debt-to-Equity

3.41

Piotroski F-Score

6

Altman Z-Score

1.57

Return on Invested Capital (ROIC)

12.02%

Current Ratio

0.23

Quick Ratio

0.23

Net Debt to EBITDA

7.40

Interest Coverage

4.25

Gross Profit margin

64.02%

FCF PER SHARE

$74.68

REVENUE PER SHARE

$131.92

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Gainseekers Quantitative Analysis

Summary

Enova International, Inc. appears to be a compelling opportunity for value investors, trading below its DCF value and Graham Number. The Forward P/E of 6.60 suggests significant growth expectations, while the Earnings Yield of 7.51% indicates a potentially undervalued stock. However, the Altman Z-score of 1.62 raises concerns about financial distress risk. Despite these red flags, the market seems to be underestimating its earnings potential, given the robust EPS growth forecast.

AI Exposure / Tech Reliance

Operating within the financial services sector, Enova is well-positioned to leverage AI and tech advancements. As a credit services provider, integrating AI can enhance risk assessment and customer service. This adaptability is crucial for maintaining competitiveness in a rapidly evolving industry.

The Bull Case

For GARP investors, Enova's appeal lies in its strong ROIC of 12.02% and a healthy FCF Yield of 42.68%. These metrics highlight its efficient capital use and robust cash generation capabilities. With an Operating Margin of 23.69% and a Piotroski F-Score of 6, the company demonstrates solid financial health and operational efficiency, suggesting strong pricing power and effective management.

The Bear Case

Despite its strengths, Enova faces significant structural risks. The Debt/Equity ratio of 3.41 and Net Debt to EBITDA of 7.40 indicate a heavy reliance on leverage, which could be problematic in a rising interest rate environment. Additionally, trading near its 52-week high suggests potential overvaluation, especially with a Price/Book ratio of 3.10. These factors could limit upside potential and expose the stock to volatility.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$199.50

Institutional Ownership %

1-Year Beta

1.33

Insider Buying % (6 Mo)

Distance to 52-Week High

11.19%

Distance to 52-Week Low

42.81%

EARNINGS SURPRISE %

5.74%

50-DAY SMA

$155.59

200-DAY SMA

$139.80

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.