NYSE: ENVAEnova International Inc Stock
$231.04+9.66 (+4.36%)
Updated Jun 26, 2026
ENVA Price
$231.04
Fair Value Price
N/A
Market Cap
$5.75B
52 Week Low
$99.61
52 Week High
$231.06
P/E
17.68x
P/B
4.1x
P/S
1.03x
PEG
0.72x
Dividend Yield
N/A
Revenue
$3.28B
Earnings
$326.54M
Gross Margin
58.9%
Operating Margin
23.64%
Profit Margin
10%
Debt to Equity
3.91
Operating Cash Flow
$2B
Beta
1.34
Next Earnings
Jul 23, 2026
Ex-Dividend
N/A
Next Dividend
N/A
ENVA Overview
Enova International, Inc. provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers in the U.S and UK. Enova either is the lender or act as a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and fees on the transactions between borrowers and other lenders. Enova International was incorporated in 2011 and is headquartered in Chicago, IL.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ENVA's potential to beat the market
BBuy
- Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
C
ENVA
Ranked#5 of 46
Ranked#5 of 46
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $41.04 | A | |
| $20.38 | A | |
| $212.45 | B |
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ENVA News
Overview
Due Diligence Score
–
Industry Average (34)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ENVA scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
ENVA ($231.04) is trading above its intrinsic value of $178.18, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
ENVA is poor value based on its earnings relative to its share price (17.68x), compared to the US market average (12.38x)
P/E vs Market Valuation
ENVA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more ENVA due diligence checks available for Premium users.
Valuation
ENVA price to earnings (PE)
For valuing profitable companies with steady earnings
Company
17.68x
Industry
28.28x
Market
12.38x
ENVA is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ENVA is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation
ENVA price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
4.1x
Industry
4.75x
ENVA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ENVA price to earnings growth (PEG)
For valuing profitable companies with growth potential
ENVA is good value based... subscribe to Premium to read more.
PEG Value Valuation
ENVA's financial health
Profit margin
Revenue
$875.1M
Net Income
$91.1M
Profit Margin
10.4%
ENVA's Earnings (EBIT) of $775.68M... subscribe to Premium to read more.
Interest Coverage Financials
ENVA's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$6.9B
Liabilities
$5.5B
Debt to equity
3.91
ENVA's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ENVA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$474.5M
Investing
-$753.4M
Financing
$292.1M
ENVA's operating cash flow ($1.90B)... subscribe to Premium to read more.
Debt Coverage Financials
ENVA vs Credit Service Stocks
Enova International Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.