Enova International, Inc. (ENVA)
Personal Credit Institutions · Financial Services · $4.8B
Intrinsic Value (Consensus)
$153.38
Current Price
$193.80
Margin of Safety
-20.9%
20.9% Above Intrinsic Value
Value: $153
Price: $194
Valuation Model Estimates
Current Price: $193.80
DCF (Discounted Cash Flow)
$3367.38
Graham Number
$117.91
Earnings Power Value
$111.84
Relative Value (P/E)
$230.40
Dividend Discount Model
Not applicable
—
Consensus Value
$153.38
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
62
Profitability
22/25
Strength
12/25
Valuation
9/25
Growth
19/25
Financial Health Signals
Very high debt — Debt/Equity ratio is 337% (above 200% is risky)
Strong profitability — ROE of 23% (above 20% is excellent)
Strong earnings growth (20% YoY)
High free cash flow yield (37.1%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $11.52
- EPS (Forward)
- $13.82
- Book Value
- $53.64
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 23.1%
- Debt/Equity
- 337%
- Revenue Growth
- 18.6%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance