ENVA
Enova International Inc
NYSE: ENVA · FINANCIAL SERVICES · CREDIT SERVICES
$168.58
-2.29% today
Updated 2026-04-29
Market cap
$4.20B
P/E ratio
13.72
P/S ratio
2.66x
EPS (TTM)
$12.29
Dividend yield
—
52W range
$89 – $177
Volume
0.2M
WallStSmart proprietary scores
69
out of 100
Grade: B
Buy
Investment rating
8.7
Growth
A4.3
Quality
C8.5
Profitability
A6.0
Valuation
B4/9
Piotroski F-Score
Moderate
1.3
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →204 stocks currently score above 75
Price targets
Analyst target
$202.00
+19.82%
12-Month target
$137.74
-18.29%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy5 Buy0 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 20.70% — above average
+ ROE 25.10% — strong efficiency
+ Free cash flow $463.79M — positive
+ Revenue growth 25.80% QoQ
Risks
- Altman Z 1.28 — distress zone
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 $168.58. representing a P/E of 13.72x 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 $168.58.
Is Enova International Inc overvalued?
Smart Value Score 69/100 (Grade B, Buy).
What is the price target of Enova International Inc (ENVA)?
The analyst target price is $202.00, representing +19.8% upside from the current price of $168.58.
What is Enova International Inc's revenue?
TTM revenue is $1.58B.
Piotroski F-Score?
4/9 — moderate financial health.
Altman Z-Score?
1.28 — distress.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio2.66x
ROE25.10%
Beta1.21
50D MA$145.58
200D MA$134.03
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.2M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—