US · ENVA
Enova International, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Chicago, IL 60604
- Website
- enova.com
Price · as of 2025-12-31
$170.93
Market cap 3.44B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $410.55 | +140.19% |
| Intrinsic Value(DCF) | $512.25 | +199.68% |
| Graham-Dodd Method(GD) | $104.99 | -38.58% |
| Graham Formula(GF) | $322.89 | +88.9% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $0.00 | $38.10 | |||
| 2012 | $4.12 | $78.67 | |||
| 2013 | $9.31 | $54.97 | |||
| 2014 | $23.00 | $68.65 | $67.10 | $0.00 | $46.29 |
| 2015 | $6.31 | $72.07 | $1.09 | $4.82 | $0.00 |
| 2016 | $13.55 | $59.28 | $1.03 | $4.45 | $22.64 |
| 2017 | $22.80 | $70.10 | $1.25 | $4.80 | $5.26 |
| 2018 | $24.21 | $91.34 | $60.90 | $12.69 | $82.65 |
| 2019 | $18.74 | $117.60 | $134.13 | $8.68 | $30.43 |
| 2020 | $40.48 | $187.86 | $52.86 | $79.59 | $7.93 |
| 2021 | $33.50 | $181.90 | $26.46 | $57.64 | $134.21 |
| 2022 | $45.87 | $189.24 | $53.45 | $60.20 | $321.36 |
| 2023 | $63.51 | $221.16 | $113.62 | $59.87 | $166.56 |
| 2024 | $91.51 | $287.11 | $277.76 | $72.99 | $253.78 |
| 2025 | $141.59 | $410.55 | $1,344.64 | $104.99 | $322.88 |
AI valuation
Our deep-learning model estimates Enova International, Inc.'s (ENVA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $410.55
- Current price
- $170.93
- AI upside
- +140.19%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$512.25
+199.68% upside
Graham-Dodd
$104.99
-38.58% upside
Graham Formula
$322.89
+88.9% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ENVA | Enova International, Inc. | $170.93 | 3.44B | +140% | +200% | -39% | +89% | 11.37 | 2.62 | 1.11 | 15.09 | 20.35 | 3.33 | 50.13% | 23.46% | 9.78% | 24.34% | 10.78% | 5.26% | 3.41 | 4.36 | 0.23 | 18.26 | 8.48 | 5585.00% | 1858.00% | 1851.00% | 50.55% | 5.95 | 33.60% | 0.00% | 0.00% | 0.00% | 10.81 | 4.51 | 2.54 | 1.67 |
| APAM | Artisan Partners Asset Ma… | $40.28 | 2.84B | +88% | +72% | -34% | +56% | 9.89 | 6.54 | 2.40 | 6.19 | 92.77 | 6.54 | 45.72% | 33.39% | 24.26% | 70.14% | 60.82% | 18.17% | 0.93 | 46.73 | 20.33 | 20.33 | 0.32 | 1066.00% | 763.00% | -9963.00% | 0.05% | 0.10 | 0.27% | 0.00% | 0.00% | 0.00% | 7.57 | 2243.71 | 2.53 | 4.25 |
| BFH | Bread Financial Holdings,… | $70.86 | 3.23B | +40% | -4% | +46% | +1% | 6.24 | 0.97 | 0.69 | 5.55 | 6.29 | 1.24 | 63.33% | 13.07% | 11.02% | 16.24% | 11.82% | 2.27% | 1.32 | 0.72 | 0.27 | 0.27 | 1.14 | 9927.00% | -206.00% | 1253.00% | 64.72% | 0.14 | 47.37% | 1.30% | 8.10% | 48.63% | 6.27 | 1.84 | 0.82 | -0.08 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| ETOR | eToro Group Ltd. | $30.67 | 2.57B | +165% | -28% | -3% | — | 11.87 | 1.84 | 2.83 | 5.21 | — | 1.90 | 92.99% | 27.97% | 23.81% | 19.37% | -17.07% | 14.46% | 0.07 | — | 217.88 | 217.88 | -3.64 | -7409.00% | -9282.00% | -320.00% | 10.06% | 43.91 | -20.39% | 0.00% | 0.00% | 2.33% | 5.48 | 5.39 | 1.53 | 5.85 |
| FBP | First BanCorp. | $21.13 | 3.34B | +147% | +21% | -56% | +21% | 9.92 | 1.78 | 2.49 | -5.28 | 169.70 | 1.83 | 70.74% | 32.80% | 25.04% | 18.87% | -8.27% | 1.56% | 0.34 | 1.36 | 0.34 | 0.34 | -1.43 | 585.00% | 616.00% | 1580.00% | 13.30% | 0.02 | -10.91% | 3.56% | 35.30% | 27.14% | -5.62 | -5.58 | -1.84 | -0.33 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
| WU | The Western Union Company | $9.63 | 3.06B | +183% | -48% | — | -32% | 6.25 | 3.26 | 0.77 | 2.02 | — | -2.09 | 28.70% | 19.41% | 12.36% | 51.86% | 53.28% | 5.99% | 0.00 | 5.48 | 16.52 | 16.52 | -1.32 | -4416.00% | -401.00% | 651.00% | 12.58% | 7.28 | 33.43% | 9.90% | 61.80% | 110.05% | 2.41 | 4.81 | 0.47 | 1.22 |
About Enova International, Inc.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; 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 markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.
- CEO
- Steven E. Cunningham
- Employees
- 1.79K
- Beta
- 1.21
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($512.25 ÷ $170.93) − 1 = +199.68% (DCF, example).