ENVA Relative Valuation
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. If the market price exceeds this fair value range, ENVA is overvalued; if below, it's undervalued.
Historical Valuation
Enova International Inc (ENVA) is now in the Overvalued zone, suggesting that its current forward PE ratio of 11.22 is considered Overvalued compared with the five-year average of 6.94. The fair price of Enova International Inc (ENVA) is between 111.28 to 146.83 according to relative valuation methord. Compared to the current price of 162.34 USD , Enova International Inc is Overvalued By 10.57%.
Relative Value
Fair Zone
111.28-146.83
Current Price：162.34
10.57%
Overvalued
11.22
PE
1Y
3Y
5Y
Trailing
Forward
NaN
EV/EBITDA
Enova International Inc. (ENVA) has a current EV/EBITDA of NaN. The 5-year average EV/EBITDA is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBITDA of NaN falls within the range.
NaN
EV/EBIT
Enova International Inc. (ENVA) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.
1.00
PS
Enova International Inc. (ENVA) has a current PS of 1.00. The 5-year average PS is 0.77. The thresholds are as follows: Strongly Undervalued below 0.46, Undervalued between 0.46 and 0.61, Fairly Valued between 0.92 and 0.61, Overvalued between 0.92 and 1.07, and Strongly Overvalued above 1.07. The current Forward PS of 1.00 falls within the Overvalued range.
0.00
P/OCF
Enova International Inc. (ENVA) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Enova International Inc. (ENVA) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Enova International Inc (ENVA) has a current Price-to-Book (P/B) ratio of 3.06. Compared to its 3-year average P/B ratio of 1.69 , the current P/B ratio is approximately 81.32% higher. Relative to its 5-year average P/B ratio of 1.46, the current P/B ratio is about 109.11% higher. Enova International Inc (ENVA) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 63.04%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 56.94% , the current FCF yield is about -100.00% lower.
3.06
P/B
Median3y
1.69
Median5y
1.46
48.62
FCF Yield
Median3y
63.04
Median5y
56.94
Competitors Valuation Multiple
The average P/S ratio for ENVA's competitors is , providing a benchmark for relative valuation. Enova International Inc Corp (ENVA) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 15.07%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of ENVA increased by 64.71% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 10.84 to 17.43.
The secondary factor is the Revenue Growth, contributed 15.07%to the performance.
Overall, the performance of ENVA in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
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