Stock AnalizEnova International, Inc. ENVA
Finance: Consumer Services · IPO 2014 · data as of November 13, 2026
Enova International, Inc. (ENVA) is a financial company listed in the US with a market value of about $4.2B. In the twelve months to September 30, 2026 it had revenue of $3.7B and net income of $382M, a net margin of 10.5%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (4/5); the weakest is financial health (2/5).
Key numbers: a P/E of 11.7, a price to free cash flow of 2.1, 5-year revenue growth of 24% a year, a 5-year average ROIC of 10%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 95% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
Checks not passed
- PEG below 1.5
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Pays a dividend
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.7B | $3.2B | $2.7B | $2.1B | $1.7B | $1.2B | $1.1B | $1.2B | $973M | $729M | $746M |
| Net income | $382M | $308M | $209M | $175M | $207M | $256M | $378M | $37M | $70M | $29M | $35M |
| Free cash flow | $2.0B | $1.8B | $1.5B | $1.1B | $850M | $442M | $711M | $829M | $670M | $432M | $379M |
| EPS (diluted) | $14.51 | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $1.06 | $1.99 | $0.86 | $1.03 |
| Net margin | 10.5% | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% | 3.1% | 7.2% | 4.0% | 4.6% |
| ROIC | — | 9.7% | 9.4% | 7.7% | 8.4% | 12.5% | 16.1% | 13.3% | 13.4% | 9.7% | 8.2% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $230.83, 36% above the current price; targets range from $220.00 to $275.00; the consensus rating is “Strong buy”; expected EPS is $17.28 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Enova International’s P/E ratio?
About 11.7, based on the last twelve months of diluted earnings per share (forward P/E about 8.4).
Is Enova International stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 95% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Enova International pay a dividend?
Not currently.
Is Enova International a good stock to buy?
We do not give buy or sell advice. Enova International scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.