Enova International (ENVA) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Enova International

NYSE•Financial Services•Credit Services

$175.10+1.16(0.01%)Pre-market

Market Cap

$4.36B

P/E

11.4x

P/S

1.2x

P/B

2.8x

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; 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 also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

How this company scores

GoodMetricSide Score: 76/100

Strongest: Growth (25/25); weakest: Balance Sheet & Red Flags (5/25).

Profitability21/25

Growth25/25

Balance Sheet & Red Flags5/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsHigh ROE

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.4x5y range 10.0x – 16.5x

Currently near its 20-quarter median.

P/S · 1.2x5y range 0.9x – 2.6x

Currently near its 20-quarter median.

P/B · 2.8x5y range 2.0x – 3.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Leverage Risk

Red Flag

D/E ratio is 3.4 — heavily leveraged and vulnerable to rising rates or cash flow dips.

Price & Volume

Market Cap $4.36B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $3.65B
Q. Revenue: $1.01B
TTM EBITDA: $915.12M
TTM Op. Income: $878.11M
Q. Op. Income: $247.21M
TTM Net Income: $382.44M
Q. Net Income: $107.30M
EPS: $4.31
Shares Out.: $24.88M

$3.65B in TTM revenue grew 20.1% YoY, reaching $1.01B last quarter. TTM EBITDA of $915.12M and TTM operating income of $878.11M show growth is flowing through to the bottom line. TTM net income of $382.44M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 60.9%
EBITDA Margin: 25.5%
Op. Margin: 24.5%
Net Margin: 10.6%

Op. margin of 24.5% is down 0.0% YoY — costs are rising relative to revenue. Net margin at 10.6% and gross margin of 60.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 0% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.4x
P/S Ratio: 1.2x
P/B Ratio: 2.8x

At 11.4x P/E, the stock trades below typical market levels. P/S of 1.2x and P/B of 2.8x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 10% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $7.70B
Cash: $105.96M
Long-Term Debt: $5.38B
Book Value: $1.57B
D/E Ratio: 3.4
Debt/EBITDA: 20.9

With $7.70B in assets and $5.38B in long-term debt, D/E is 3.4and book value is $1.57B — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is up 7% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $535.62M
TTM Free Cash Flow: $2.01B
FCF Margin: 54.9%
FCF / Net Income: 5.2

TTM FCF of $2.01B on $535.62M in operating cash flow. The FCF / Net Income ratio of 5.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 7 consecutive quarters — an improving trend.