Historical Valuation
Enova International Inc (ENVA) is now in the Overvalued zone, suggesting that its current forward PE ratio of 11.60 is considered Overvalued compared with the five-year average of 7.02. The fair price of Enova International Inc (ENVA) is between 105.56 to 141.08 according to relative valuation methord. Compared to the current price of 161.60 USD , Enova International Inc is Overvalued By 14.54%.
Relative Value
Fair Zone
105.56-141.08
Current Price：161.60
14.54%
Overvalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Enova International Inc (ENVA) has a current Price-to-Book (P/B) ratio of 3.14. Compared to its 3-year average P/B ratio of 1.73 , the current P/B ratio is approximately 81.24% higher. Relative to its 5-year average P/B ratio of 1.49, the current P/B ratio is about 111.03% higher. Enova International Inc (ENVA) has a Forward Free Cash Flow (FCF) yield of approximately 42.45%. Compared to its 3-year average FCF yield of 62.62%, the current FCF yield is approximately -32.21% lower. Relative to its 5-year average FCF yield of 56.23% , the current FCF yield is about -24.50% lower.
P/B
Median3y
1.73
Median5y
1.49
FCF Yield
Median3y
62.62
Median5y
56.23
Competitors Valuation Multiple
AI Analysis for ENVA
The average P/S ratio for ENVA competitors is 2.26, providing a benchmark for relative valuation. Enova International Inc Corp (ENVA.N) exhibits a P/S ratio of 1.14, which is -49.24% above the industry average. Given its robust revenue growth of 15.07%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for ENVA
1Y
3Y
5Y
Market capitalization of ENVA increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of ENVA in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is ENVA currently overvalued or undervalued?
Enova International Inc (ENVA) is now in the Overvalued zone, suggesting that its current forward PE ratio of 11.60 is considered Overvalued compared with the five-year average of 7.02. The fair price of Enova International Inc (ENVA) is between 105.56 to 141.08 according to relative valuation methord. Compared to the current price of 161.60 USD , Enova International Inc is Overvalued By 14.54% .
What is Enova International Inc (ENVA) fair value?
ENVA's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Enova International Inc (ENVA) is between 105.56 to 141.08 according to relative valuation methord.
How does ENVA's valuation metrics compare to the industry average?
The average P/S ratio for ENVA's competitors is 2.26, providing a benchmark for relative valuation. Enova International Inc Corp (ENVA) exhibits a P/S ratio of 1.14, which is -49.24% above the industry average. Given its robust revenue growth of 15.07%, this premium appears unsustainable.
What is the current P/B ratio for Enova International Inc (ENVA) as of Jan 10 2026?
As of Jan 10 2026, Enova International Inc (ENVA) has a P/B ratio of 3.14. This indicates that the market values ENVA at 3.14 times its book value.
What is the current FCF Yield for Enova International Inc (ENVA) as of Jan 10 2026?
As of Jan 10 2026, Enova International Inc (ENVA) has a FCF Yield of 42.45%. This means that for every dollar of Enova International Inc’s market capitalization, the company generates 42.45 cents in free cash flow.
What is the current Forward P/E ratio for Enova International Inc (ENVA) as of Jan 10 2026?
As of Jan 10 2026, Enova International Inc (ENVA) has a Forward P/E ratio of 11.60. This means the market is willing to pay $11.60 for every dollar of Enova International Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Enova International Inc (ENVA) as of Jan 10 2026?
As of Jan 10 2026, Enova International Inc (ENVA) has a Forward P/S ratio of 1.14. This means the market is valuing ENVA at $1.14 for every dollar of expected revenue over the next 12 months.