Enova International Inc (ENVA) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Enova International Inc stock (ENVA) is currently trading at $137.38. Enova International Inc PE ratio is 11.73. Enova International Inc PS ratio (Price-to-Sales) is 2.26. Analyst consensus price target for ENVA is $193.71. WallStSmart rates ENVA as Moderate Buy.
- ENVA PE ratio analysis and historical PE chart
- ENVA PS ratio (Price-to-Sales) history and trend
- ENVA intrinsic value — DCF, Graham Number, EPV models
- ENVA stock price prediction 2025 2026 2027 2028 2029 2030
- ENVA fair value vs current price
- ENVA insider transactions and insider buying
- Is ENVA undervalued or overvalued?
- Enova International Inc financial analysis — revenue, earnings, cash flow
- ENVA Piotroski F-Score and Altman Z-Score
- ENVA analyst price target and Smart Rating
Enova International Inc
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ENVA Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Enova International Inc (ENVA)
ENVA trades at a significant discount to its Graham intrinsic value of $538.67, offering a 72% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Enova International Inc (ENVA) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Enova International Inc (ENVA) Key Strengths (7)
Earnings per share surging 30.50% year-over-year
Keeps $21 of every $100 in revenue as net profit
95.23% of shares held by major funds and institutions
Every $100 of equity generates $24 in profit
Strong operational efficiency: $24 kept per $100 revenue
Strong revenue growth at 22.90% annually
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Enova International Inc (ENVA) Areas to Watch (2)
Revenue is fairly priced at 2.26x sales
Fairly priced relative to book value
Enova International Inc (ENVA) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 9 metrics analyzed, 7 register as strengths (avg 8.9/10) while 2 fall into concern territory (avg 6.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on EPS Growth, Profit Margin, Institutional Own.. Profitability is solid with Return on Equity at 24.30%, Operating Margin at 23.60%, Profit Margin at 20.70%. Growth metrics are encouraging with Revenue Growth at 22.90%, EPS Growth at 30.50%.
The Bear Case
The primary concerns are Price/Sales, Price/Book. Some valuation metrics including Price/Sales (2.26), Price/Book (2.53) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 24.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 22.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of EPS Growth and Profit Margin makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ENVA Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ENVA's Price-to-Sales ratio of 2.26x trades 206% above its historical average of 0.74x (96th percentile), historically expensive. The current valuation is 5% below its historical high of 2.38x set in Mar 2026, and 978% above its historical low of 0.21x in Feb 2016. Over the past 12 months, the PS ratio has expanded from ~0.9x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Enova International Inc (ENVA) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Enova International Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.5B with 23% growth year-over-year. Profit margins are strong at 20.7%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 2430.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 20.7% and operating margin of 23.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Enova International Inc maintain 23%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Enova International Inc.
Bottom Line
Enova International Inc offers an attractive blend of growth (23% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(55 last 3 months)
| Insider | Type | Shares |
|---|---|---|
FISHER, DAVID Director, Executive Chairman | Sell | -7,143 |
Data sourced from SEC Form 4 filings
Last updated: 8:26:19 AM
About Enova International Inc(ENVA)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
USA
Enova International, Inc., a technology and analytics company, offers online financial services in the United States, Brazil, Australia, and Canada. The company is headquartered in Chicago, Illinois.