3 Undervalued Consumer Finance Stocks for Tuesday, September 22
Discover the top 3 undervalued Consumer Finance stocks for Tuesday, September 22 based on AAII’s Stock Grades.Tudor Pop
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 Down 24.25%
As of Tuesday, September 15, Enova International, Inc.’s ENVA share price has dipped by 24.25%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Why Enova International, Inc.’s (ENVA) Stock Is Down 25.02%
As of Tuesday, September 15, Enova International, Inc.’s ENVA share price has dipped by 25.02%, which has investors questioning if this is right time to buy.Jenna Brashear
Why Enova International, Inc.’s (ENVA) Stock Is Up 7.16%
As of Friday, August 21, Enova International, Inc.’s ENVA share price has surged by 7.16%, which has investors questioning if this is right time to sell.Michael Rose
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
Financial Summary
| Share Statistics | ENVA | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $4,304.7 | $873.0 | 66% |
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| Shares Out (Mil) | 26.3 | 37.2 | 34% |
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| Institutional Ownership | 95.7% | 78.8% | 68% |
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| Float (Mil) | 23.8 | 33.1 | 31% |
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| Beta | 1.21 | 1.04 | 71% |
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| Avg Daily Volume (000s) | 358 | 381 | 52% |
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| Price Change (52-week) |
54.1% | 73.7% | 85% |
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| Growth | ENVA | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 20.1% | 8.8% | 81% |
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| Net Income (5yr) | (4.0%) | 12.6% | 35% |
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| EPS (5yr) | (0.3%) | 15.8% | 31 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (17.9%) | (5.0%) | 39% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $4.400 | $17.270 | $20.955 | |
| Month Ago EPS | $4.383 | $17.203 | $20.593 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 1 | 0 | 0 | |
| Three Months Ago EPS | $4.118 | $16.373 | $19.534 | |
| Year/Year Chg | 10.0% | 49.9% | na | |
| Financials | ENVA | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,692 | $1,133 | 58% |
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| Net Income (TTM) (Mil) | $356 | $155 | 74% |
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| EPS (TTM) | $14.295 | $1.600 | 96% |
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| Operating Cash Flow (TTM) (Mil) | $1,999 | $228 | 88% |
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| Net Cash Flow (TTM) (Mil) | $86 | $2 | 76% |
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| Long-Term Debt (Q1) (Mil) | $5,046 | $925 | 85% |
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| Enterprise Value (Q1) (Mil) | na | $1,233 | na |
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| Valuation | ENVA | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.87 | 1.16 | 66% |
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| P/E | 12.8 | 9.2 | 31% |
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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% | 75.2% | 90% |
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| Net Margin | 21.0% | 10.5% | 79% |
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| ROA | 5.5% | 2.8% | 73% |
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| ROE | 26.1% | 13.8% | 85% |
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| Liabilities to Assets | 79.3% | 78.0% | 74% |
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| F-Score | 7 | 5 | 82% |
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Passing Stock Screens
As of 10/2/2026, 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: | 13.4% |
| +/- S&P 500: | +5.9 |
