Is Enova International (ENVA) overvalued or fairly valued?

MarketChacha shows Enova International's valuation in context — a trailing P/E of about 18.5, a forward P/E of about 11.4, a price-to-book of about 4.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Enova International's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (6.53×) from reported figures — education, not a rating.

What is Enova International's revenue?

Enova International reported revenue of $3.2B for FY2025, with net profit of $308.4M, per official filings.

What is the share price of Enova International (ENVA)?

Enova International last traded at $223.08 (-2.4% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Enova International

ENVA · NYSE · Financials · United States

$223.08-2.4%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:32 PM

Snapshot

TickerENVA

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees1,836

HeadquartersChicago, United States

Market cap$5.6B

P/E (TTM)18.5

P/B4.0

Volume210.73K

Websitewww.enova.com

Filings tracked7

About Enova International

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders4.5%
Institutions95.5%
Public & other0.0%

521 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.16.32%
Vanguard Capital Management LLC4.28%
Dimensional Fund Advisors LP4.25%
State Street Corporation3.88%
Invesco Ltd.3.57%
Vanguard Portfolio Management LLC3.48%
Renaissance Technologies, LLC3.01%
Geode Capital Management, LLC2.69%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion6.53×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend8.3% → 9.8%

Margin has expanded by about 1.5 points — the business is getting more profitable.

Return on equity23.1%

Latest ROE of 23.1% — capital is generating a healthy return.

Growth qualityrev 22% · PAT 33%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $959.3M · EPS 4.12

Est. earnings growth +22.7%

Next fiscal year

Rev $4.4B · EPS 19.57

Est. earnings growth +19.4%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$99.6152-wk range$246.38

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$5.6B

Day change

-2.4%

P/E (TTM)

18.5

Fwd P/E

11.4

P/B

4.0

Beta

1.22

Revenue (FY2025)

$3.2B

Net margin

9.8%

ROE

23.1%

Revenue CAGR (2y)

+22.0%

Profit CAGR (2y)

+32.7%

EPS (FY2025)

11.52

Net profit (FY2025)

$308.4M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about ENVA

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$3.2B	$308.4M	11.52	9.8%	23.1%
FY2024	$2.7B	$209.4M	7.43	7.9%	17.5%
FY2023	$2.1B	$175.1M	5.49	8.3%	14.1%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$875.1M	$91.1M	3.46	10.4%
2025Q3	$802.7M	$80.3M	3.03	10.0%
2025Q2	$764.0M	$76.1M	2.86	10.0%
2025Q1	$745.5M	$72.9M	2.69	9.8%
2024Q3	$689.9M	$43.4M	1.57	6.3%
2024Q2	$628.4M	$53.9M	1.93	8.6%
2024Q1	$609.9M	$48.4M	1.64	7.9%
2023Q3	$551.4M	$41.3M	1.29	7.5%
2023Q2	$499.4M	$48.1M	1.50	9.6%
2023Q1	$483.3M	$50.9M	1.56	10.5%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K/A — Executive/director change
SEC7/15/2026
8-K — Executive/director change, Exhibits
SEC7/10/2026material
8-K — Material agreement, Material financial obligation
SEC6/25/2026material
8-K — Shareholder vote results
SEC5/13/2026material
8-K — Results of operations, Exhibits
SEC4/23/2026material
10-Q filing
SEC4/23/2026
8-K — Material agreement, Material financial obligation
SEC4/1/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.