Enova International, Inc (ENVA) Fair Value & Analysis

Financial Services · US · Market cap $5.9B

A solid business, but screening 36% overvalued on our models.

What matters now

• The model range is unusually wide ($120.83 to $579.51). The outcome hinges heavily on assumptions, so read the point estimate with caution.
• Solid but not exceptional quality (68/100) 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 Jul 12, 2026.

How to read this chart

60‑month range $26.63 – $263.02 · fair‑value band $120.83 – $579.51 · the $252.64 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 Jul 12, 2026.

Full chart & analysis →

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Analysis

Enova International, Inc (ENVA) currently trades at $252.64, while our model-based Fair Value estimate is $161.10, implying the stock looks roughly 36.2% overvalued today. The Quality Score stands at 68/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: 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 Jul 12, 2026

Our scenario range runs from $120.83 (bear case) to $579.51 (bull case); at $252.64, 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 172% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -36%, ENVA screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

Widest divergence: Growth DCF ($491.94) versus Dividend Discount ($13.63). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

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.

ENVA screens 36% overvalued. Compare with Visa Inc →

Peer Group

Credit Services · 333 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

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.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.