Enova International Valuation
Is ENVA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Below Future Cash Flow Value
Significantly Below Future Cash Flow Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Future Cash Flow Value
What is the Fair Price of ENVA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
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Below Future Cash Flow Value: ENVA ($149.12) is trading above our estimate of future cash flow value ($83.44)
Significantly Below Future Cash Flow Value: ENVA is trading above our estimate of future cash flow value.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for ENVA?
Key metric: As ENVA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is ENVA's PE Ratio? | |
|---|---|
| PE Ratio | 12x |
| Earnings | US$308.39m |
| Market Cap | US$3.69b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 0.7x |
Price to Earnings Ratio vs Peers
How does ENVA's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 19.9x | ||
UPST Upstart Holdings | 56.1x | 50.54% | US$3.0b |
SLM SLM | 6.6x | -7.27% | US$4.8b |
NNI Nelnet | 10.7x | -3.84% | US$4.7b |
BFH Bread Financial Holdings | 6x | -6.15% | US$3.1b |
ENVA Enova International | 12x | 17.18% | US$3.7b |
Price-To-Earnings vs Peers: ENVA is good value based on its Price-To-Earnings Ratio (12x) compared to the peer average (19.9x).
Historical Price to Earnings Ratio
Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.
Fetching historical data
Price to Earnings Ratio vs Industry
How does ENVA's PE Ratio compare vs other companies in the US Consumer Finance Industry?
Price-To-Earnings vs Industry: ENVA is expensive based on its Price-To-Earnings Ratio (12x) compared to the US Consumer Finance industry average (8.1x).
Price to Earnings Ratio vs Fair Ratio
What is ENVA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 12x |
| Fair PE Ratio | 17x |
Price-To-Earnings vs Fair Ratio: ENVA is good value based on its Price-To-Earnings Ratio (12x) compared to the estimated Fair Price-To-Earnings Ratio (17x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | US$149.12 | US$193.71 +29.90% | 4.68% | US$210.00 | US$182.00 | n/a | 7 |
| Feb ’27 | US$165.17 | US$193.71 +17.28% | 4.68% | US$210.00 | US$182.00 | n/a | 7 |
| Jan ’27 | US$157.20 | US$179.50 +14.19% | 10.11% | US$210.00 | US$150.00 | n/a | 8 |
| Dec ’26 | US$130.19 | US$140.63 +8.02% | 8.34% | US$150.00 | US$111.00 | n/a | 8 |
| Nov ’26 | US$119.57 | US$140.63 +17.61% | 8.34% | US$150.00 | US$111.00 | n/a | 8 |
| Oct ’26 | US$112.21 | US$131.13 +16.86% | 6.79% | US$140.00 | US$111.00 | n/a | 8 |
| Sep ’26 | US$121.30 | US$131.13 +8.10% | 6.79% | US$140.00 | US$111.00 | n/a | 8 |
| Aug ’26 | US$100.56 | US$131.13 +30.39% | 6.79% | US$140.00 | US$111.00 | n/a | 8 |
| Jul ’26 | US$112.96 | US$126.50 +11.99% | 7.06% | US$138.00 | US$109.00 | n/a | 8 |
| Jun ’26 | US$92.67 | US$126.50 +36.51% | 7.06% | US$138.00 | US$109.00 | n/a | 8 |
| May ’26 | US$91.60 | US$126.86 +38.49% | 7.48% | US$138.00 | US$109.00 | n/a | 7 |
| Apr ’26 | US$99.92 | US$127.71 +27.82% | 7.83% | US$138.00 | US$109.00 | n/a | 7 |
| Mar ’26 | US$103.34 | US$129.57 +25.38% | 6.94% | US$138.00 | US$109.00 | n/a | 7 |
| Feb ’26 | US$112.32 | US$112.43 +0.097% | 13.11% | US$130.00 | US$83.00 | US$165.17 | 7 |
| Jan ’26 | US$95.88 | US$108.00 +12.64% | 13.33% | US$130.00 | US$83.00 | US$157.20 | 7 |
| Dec ’25 | US$105.51 | US$103.43 -1.97% | 9.18% | US$110.00 | US$83.00 | US$130.19 | 7 |
| Nov ’25 | US$87.57 | US$102.67 +17.24% | 9.80% | US$110.00 | US$83.00 | US$119.57 | 6 |
| Oct ’25 | US$81.84 | US$90.67 +10.79% | 6.94% | US$100.00 | US$81.00 | US$112.21 | 6 |
| Sep ’25 | US$85.73 | US$88.33 +3.04% | 8.88% | US$100.00 | US$76.00 | US$121.30 | 6 |
| Aug ’25 | US$84.12 | US$88.20 +4.85% | 9.52% | US$100.00 | US$76.00 | US$100.56 | 5 |
| Jul ’25 | US$62.05 | US$72.33 +16.57% | 7.68% | US$78.00 | US$62.00 | US$112.96 | 6 |
| Jun ’25 | US$61.65 | US$72.33 +17.33% | 7.68% | US$78.00 | US$62.00 | US$92.67 | 6 |
| May ’25 | US$61.05 | US$72.33 +18.48% | 7.68% | US$78.00 | US$62.00 | US$91.60 | 6 |
| Apr ’25 | US$61.77 | US$67.17 +8.74% | 7.37% | US$73.00 | US$59.00 | US$99.92 | 6 |
| Mar ’25 | US$63.14 | US$67.17 +6.38% | 7.37% | US$73.00 | US$59.00 | US$103.34 | 6 |
| Feb ’25 | US$55.03 | US$65.57 +19.16% | 9.18% | US$73.00 | US$56.00 | US$112.32 | 7 |
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/02/15 21:53 |
| End of Day Share Price | 2026/02/13 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Enova International, Inc. is covered by 10 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| John Rowan | Brean Capital (formerly Janney Montgomery) |
| Vincent Caintic | BTIG |