What sector does Enova International, Inc. belong to?

Enova International, Inc. operates in the Financials sector, specifically the Consumer Finance industry, and is listed on the US markets.

What is the current share price of ENVA?

As of the latest available quote, ENVA traded at $223.48. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of ENVA?

Enova International, Inc. has a price-to-earnings (P/E) ratio of about 16.62. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of ENVA?

The market capitalisation of Enova International, Inc. is approximately $5.98B.

Is Enova International, Inc. profitable?

For its latest reported financial year, Enova International, Inc. recorded a net profit margin of about 9.78%.

Does ENVA pay a dividend?

Enova International, Inc. does not currently show a dividend yield in our data.

What is the return on equity (ROE) of ENVA?

Enova International, Inc. has a return on equity (ROE) of about 20.60%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of ENVA?

Over the past 52 weeks, ENVA has traded between a low of $103.02 and a high of $267.45.

Enova International, Inc.

ENVA US Financials Consumer Finance

S&P 600

$223.48

+0.19%

Delayed · cached 15 min

Fair value analysis

ENVA

Enova International, Inc.

$223.48

Close used for this calculation

$218.56Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

55/100

Profitability15/25

Returns18/25

Balance Sheet6/25

Efficiency16/25

Growth9/25

Good

Quality radar

Consensus fair value

$218.56

Near FV

▼ -2.2% against the close used

Model range $121.56 – $298.53

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$121.56Fair value$218.56Bull$298.53

FairClose

52-week traded range

52W low $104.0152W high $265.45

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

Enova International, Inc. closed at $223.48, 2.3% above the consensus fair value of $218.56 drawn from 9 valuation models.

Financial DNA score 55/100 — Good. P/E of 19.4x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$228.66

+2.3%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=9%, r=10%, tg=3%, n=10yr

Graham Number

$121.56

-45.6%

√(22.5 × EPS × BVPS)

EPS=11.52, BVPS=57.01 · outside Graham range (P/E 19.4, P/B 3.9) — asset-light, treat as a rough floor

P/E Fair Value

$230.40

+3.1%

EPS × 20x (sector P/E)

EPS=11.52, Sector P/E=20x

Peter Lynch (PEG)

$135.82

-39.2%

EPS × Growth% (PEG = 1 is fair)

EPS=11.52, g=11.8%

EV/EBITDA

$298.53

+33.6%

(EBITDA × 15.9x − Net Debt) ÷ Shares

EBITDA=781.26M

Dividend Discount (DDM)

$200.33

-10.4%

D1 ÷ (r − g) where D1 = D0×(1+g)

D0=3.71, r=10%, g=8%

Book Value (P/B)

$208.09

-6.9%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=57.01, ROE=20.6%, g=6%, r=10%

Reverse DCF

$223.48

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: 6.7% | Historical: 11.8%

Margin of Safety

$145.16

-35.0%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=193.54, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

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