# Enova International Inc. (ENVA) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Consumer Finance. Price $230.58, market value $5.7 billion.

## Valuation
- **P/E (trailing): 17.1×** (5-yr avg 9.8×, 3-yr avg 12.2×). Enova International Inc. trades at 17.1× trailing earnings, well above its own five-year average of 9.8×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.20**. A PEG of 0.20 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.7×**. Each dollar of revenue is priced at 1.7×.
- **Price / book: 3.8×**. The shares trade at 3.8× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 11.7×**. Enterprise value is 11.7× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 34.0%** (5-yr avg 51.1%). Free cash flow equals 34.0% of the market value, below its five-year average of 51.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 5.8%**. The inverse of the P/E: 5.8% of the price is earned each year.

## Profitability
- **Gross margin: 59.8%**. Enova International Inc. keeps 59.8% of revenue after the direct cost of what it sells.
- **Operating margin: 24.0%**. 24.0% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 9.8%**. 9.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 23.1%**. 23.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 11.3%**. Return on all capital, debt included, is 11.3%.
- **Return on assets: 5.5%**. Each dollar of assets produces 5.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 18.6%** (3-yr 22.0%/yr, 5-yr 23.8%/yr). Revenue grew 18.6% over the last year, against 23.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 55.0%** (3-yr 23.0%/yr, 5-yr -0.3%/yr). Earnings per share rose 55.0%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 27.7%/yr**. Free cash flow has compounded at 27.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $72 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Enova International Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: strong_buy** (7 analysts). 7 analysts cover Enova International Inc.; the consensus is strong_buy, with an average price target of $277.14 (+20% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 86.9%** (YTD 46.7%, 3-mo 36.6%). The shares are up 86.9% over twelve months including dividends.
- **From 52-week high: -13.8%** (123.8% above the low). Trading 14% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 1.29** (volatility 41%). Beta of 1.29 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ENVA · Page: https://foliofundamentals.com/stocks/enva

Not investment advice.