Enova International, Inc. Common Stock (ENVA)
Financial Services › Personal Credit Institutions
Price History
Feb 9, 2026 — Aug 9, 2026Investment Snapshot
- Trading 83% above Graham Number — above intrinsic value estimate
- Piotroski F-Score 6/9 — moderate financial health
- Strong ROE of 23.6% with 10.5% net margin
- Revenue growing at 19% annually
Enova International, Inc. Common Stock (ENVA) is a Financial Services company operating in Personal Credit Institutions, listed on the NYSE , with a market capitalisation of $6.3 billion . Key value metrics: P/E ratio 17.8, P/B ratio 4.20, Piotroski F-Score 6 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
Enova International, Inc. Common Stock — Fundamental Analysis Summary
Enova International, Inc. Common Stock (ENVA) is currently trading 83% above its Graham Number of $138.42, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 17.8x.
On financial health, ENVA shows a moderate Piotroski F-Score of 6/9, and strong return on equity of 23.6% (sector average: 5.4%), and high leverage with a debt-to-equity ratio of 3.35.
StockPik's composite Value Score for ENVA is 77/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
ENVA reports a solid gross margin of 59.3% (sector average: 16.7%) and a strong operating margin of 24.5%.
ENVA shows revenue growing at 19% year-over-year, with earnings growing at 47%.