ENVA
Enova International Inc
NYSE: ENVA · FINANCIAL SERVICES · CREDIT SERVICES
$168.90
+0.57% today
Updated 2026-06-05
Market cap
$4.71B
P/E ratio
15.41
P/S ratio
2.98x
EPS (TTM)
$12.29
Dividend yield
—
52W range
$95 – $194
Volume
0.2M
WallStSmart proprietary scores
69
out of 100
Grade: B
Buy
Investment rating
8.7
Growth
A3.5
Quality
D8.0
Profitability
A6.0
Valuation
B4/9
Piotroski F-Score
Moderate
1.3
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$202.00
+19.60%
12-Month target
$137.74
-18.45%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy5 Buy0 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 20.70% — above average
+ ROE 23.29% — strong efficiency
+ Free cash flow $463.79M — positive
+ Revenue growth 25.80% QoQ
Risks
- Altman Z 1.28 — distress zone
- Debt/equity 3.47x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $1.74B | $2.12B | $2.66B | $3.15B | $1.58B |
| Net income | $207.42M | $175.12M | $209.45M | $308.39M | $91.10M |
| EPS | — | — | — | — | $12.29 |
| Free cash flow | $850.37M | $1.12B | $1.50B | $1.77B | $463.79M |
| Profit margin | 11.95% | 8.27% | 7.88% | 9.78% | 20.70% |
Peer comparison
Smart narrative
Enova International Inc trades at $168.90. representing a P/E of 15.41x trailing earnings. Our Smart Value Score of 69/100 indicates the stock is good. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 1.28, it sits in the distress. TTM revenue stands at $1.58B. with profit margins at 20.70%.
Frequently asked questions
What is Enova International Inc's stock price?
Enova International Inc (ENVA) trades at $168.90, on a P/E of 15.4x and a P/S of 3.0x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Enova International Inc overvalued?
Enova International Inc carries a Smart Value Score of 69/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Enova International Inc (ENVA)?
The 12-month analyst consensus target is $202.00, about 19.6% above the current $168.90. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Enova International Inc's revenue?
Enova International Inc's trailing twelve-month revenue is $1.58B. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Enova International Inc's Altman Z-Score is 1.28, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio2.98x
ROE23.29%
Beta1.30
50D MA$163.73
200D MA$143.20
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.2M
Performance
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YTD—
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