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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 Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Enova International as the less overvalued of the two: Enova International trades at $253 versus a fair value of $161 (-36%), while Visa Inc. Class A trades at $363 versus $204 (-44%).
Enova International
ENVA · USD · Financials
-36%
upside to fair value
overvalued
Price$253
Fair Value$161
Quality67/100
Visa Inc. Class A
V · USD · Financials
-44%
upside to fair value
overvalued
Price$363
Fair Value$204
Quality82/100

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×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
21%Net margin52%
27%Operating margin67%
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%
Balance & size
3.30×Debt / equity0.52×
$6BMarket cap$664B
healthyGrowth qualityhealthy

Enova International leads: 7 to 5 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 84 Visa Inc. Class Aof which business quality 76 · market factors 65
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)
45
83
MomentumPrice trend over the last 3–12 months (market factor)
100
52
52W MomentumDistance to the 52-week high (market factor)
100
69
Net IssuanceBuybacks instead of dilution
100
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Enova International

DCF Models$392
Earnings-Based$373
Dividend Discount$14.70
Multiples$118
Asset-Based$35.99
Growth DCF$1,115
Economic Profit$119

8 of 13 models see the stock below the current price.

Visa Inc. Class A

DCF Models$236
Earnings-Based$269
Multiples$94.55
Asset-Based$15.30
Growth DCF$219
Economic Profit$190

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 $580
$253 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$363 = 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 score67 · Top 25%
Fair value upside-36% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-44% · bottom 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Enova International as the less overvalued of the two: Enova International trades at $253 versus a fair value of $161 (-36%), while Visa Inc. Class A trades at $363 versus $204 (-44%).

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 21 models. Values change with price and fundamentals; the date shown above applies.