Enova International Inc
Research Enova International Inc (ENVA) on Bullrun: valuation model: 5.4% overvalued, market cap USD 4.43B, P/E 13.2. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerENVA
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal5.4% overvalued
- Market capUSD 4.43B
- P/E13.2
- Financial periodQ2 2026
- RevenueUSD 928.93M
- Net incomeUSD 105.06M
- Free cash flowUSD 531.42M
- Gross margin50.6%
Valuation Snapshot
Bullrun's latest valuation model marks Enova International Inc as 5.4% overvalued; latest market cap is USD 4.43B; P/E is 13.2.
Peer valuation comparison
Latest P/E is 13.2x versus a Financial Services sector median of 13.39x.
Latest P/E is 13.2x versus a United States median of 23.85x (44.6% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 3.15B | USD 308.39M | USD 1.77B | 58.1% | 11.52 | USD 71.71M | USD 4.50B | USD 1.34B |
| FY2024 | USD 2.66B | USD 209.45M | USD 1.50B | 57.5% | 7.43 | USD 73.91M | USD 3.56B | USD 1.20B |
| FY2023 | USD 2.12B | USD 175.12M | USD 1.12B | 58.1% | 5.49 | USD 54.36M | USD 2.94B | USD 1.24B |
| FY2022 | USD 1.74B | USD 207.42M | USD 850.37M | 64.4% | 6.19 | USD 100.17M | USD 2.26B | USD 1.19B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-09 | USD 4.43B | 13.2 | n/a | n/a |
| 2025 | 2025-12-31 | USD 3.89B | 13.6 | n/a | n/a |
| 2024 | 2024-12-31 | USD 2.47B | 12.9 | n/a | n/a |
| 2023 | 2023-12-29 | USD 1.65B | 9.4 | n/a | n/a |
| 2022 | 2022-12-30 | USD 1.21B | 6.5 | n/a | n/a |
| 2021 | 2021-12-31 | USD 1.40B | 6.0 | n/a | n/a |
About Enova International Inc
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;
ETFs that hold Enova International Inc
Enova International Inc is one of the ten largest holdings of one ETF that investors in Europe can buy:
| ETF | Weight | TER |
|---|---|---|
| Jupiter Origin Global Smaller Companies Active UCITS ETF USD Acc | 1.27% | 0.45% |
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Frequently asked questions
Is Enova International Inc overvalued or undervalued?
Bullrun's valuation model currently marks Enova International Inc as 5.4% overvalued.
What is Enova International Inc's market cap?
Enova International Inc's market capitalization is USD 4.43B.
What is Enova International Inc's P/E ratio?
Enova International Inc's price-to-earnings (P/E) ratio is 13.2.
What does Enova International Inc do?
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.