Is Enova International, Inc. (ENVA) Overvalued?
We dive into why Enova International, Inc. (ENVA) could be considered overvalued on 2026-07-27, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
Why Enova International, Inc.’s (ENVA) Stock Is Up 7.19%
As of Friday, July 24, Enova International, Inc.’s ENVA share price has surged by 7.19%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
What You Need to Know About Enova International, Inc.'s Q3 Earnings
Enova International, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (ENVA) missed or beat analyst's expectations.Rosalio Madrigal
Three Consumer Finance Stocks to Check for Interest
This week, we use AAII’s A+ Investor Stock Grades to provide insight into three stocks in the consumer finance industry.
Rosalio Madrigal
Which Is a Better Investment, Encore Capital Group, Inc. or Enova International, Inc. Stock?
Learn more about whether Encore Capital Group, Inc. or Enova International, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
Financial Summary
| Share Statistics | ENVA | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $6,327.7 | $1,153.3 | 71% |
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| Shares Out (Mil) | 26.3 | 36.1 | 35% |
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| Institutional Ownership | 95.7% | 79.0% | 68% |
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| Float (Mil) | 23.8 | 32.7 | 32% |
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| Beta | 1.22 | 1.06 | 71% |
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| Avg Daily Volume (000s) | 433 | 364 | 57% |
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| Price Change (52-week) |
143.0% | 77.7% | 95% |
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| Growth | ENVA | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 20.1% | 7.7% | 81% |
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| Net Income (5yr) | (4.0%) | 12.6% | 35% |
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| EPS (5yr) | (0.3%) | 17.1% | 30 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (17.9%) | (2.8%) | 38% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $4.383 | $17.203 | $20.593 | |
| Month Ago EPS | $4.118 | $16.373 | $19.534 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 1 | 0 | 0 | |
| Three Months Ago EPS | $4.118 | $16.363 | $19.582 | |
| Year/Year Chg | 9.6% | 49.3% | na | |
| Financials | ENVA | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,692 | $1,086 | 58% |
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| Net Income (TTM) (Mil) | $356 | $147 | 75% |
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| EPS (TTM) | $14.295 | $1.600 | 97% |
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| Operating Cash Flow (TTM) (Mil) | $1,999 | $231 | 88% |
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| Net Cash Flow (TTM) (Mil) | $86 | $6 | 76% |
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| Long-Term Debt (Q1) (Mil) | $5,046 | $808 | 86% |
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| Enterprise Value (Q1) (Mil) | na | $1,297 | na |
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| Valuation | ENVA | Industry Median |
Percentile (All Stocks) |
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| P/B | 4.22 | 1.44 | 74% |
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| P/E | 18.9 | 9.2 | 47% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | na | 0.5 | na |
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| Ratios | ENVA | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 83.3% | 75.1% | 91% |
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| Net Margin | 21.0% | 14.6% | 80% |
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| ROA | 5.5% | 2.9% | 74% |
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| ROE | 26.1% | 14.6% | 85% |
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| Liabilities to Assets | 79.3% | 79.0% | 74% |
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| F-Score | 7 | 5 | 84% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
