What is ENVA's Value Score?

Enova International, Inc. Common Stock (ENVA) has a StockPik Value Score of 87 out of 100 — a high score, indicating strong value characteristics across multiple metrics. The Value Score is a composite ranking built from P/E ratio, P/B ratio, Graham Number, ROE, gross margin, debt-to-equity, current ratio, and Piotroski F-Score, calculated from SEC EDGAR annual filing data.

What is ENVA's Piotroski F-Score?

Enova International, Inc. Common Stock (ENVA) has a Piotroski F-Score of 6 out of 9 — a moderate score. The F-Score assesses nine binary financial criteria across profitability, leverage, and operating efficiency. A score of 7–9 indicates a financially improving company; a score of 0–3 is a warning sign.

Is ENVA trading below its Graham Number?

ENVA is currently trading above its Graham Number. The stock price of $164.59 exceeds the Graham Number of $127.77, meaning it does not meet Graham's criterion for a margin of safety at the current price. The Graham Number is calculated as √(22.5 × EPS × Book Value Per Share) and represents Benjamin Graham's ceiling price for a defensive investor.

What is ENVA's Graham Number?

ENVA's Graham Number is $127.77, calculated using the Benjamin Graham formula √(22.5 × EPS × Book Value per Share). The Graham Number is an estimate of intrinsic value — the maximum price a defensive investor should pay. At the current price of $164.59, ENVA is trading 29% above its Graham Number.

What is ENVA's Piotroski F-Score?

ENVA's Piotroski F-Score is 6 out of 9, indicating moderate financial health. The Piotroski F-Score evaluates nine criteria across profitability, leverage, and operating efficiency. Scores of 7 or above are considered strong; 3 or below indicate financial weakness.

Is ENVA (Enova International, Inc. Common Stock) undervalued?

ENVA scores 87/100 on StockPik's Value Score, placing it in undervalued territory. The stock trades 29% above its Graham Number of $127.77.

What is ENVA's P/E ratio?

ENVA's trailing P/E ratio is 12.8x — a reasonable earnings multiple. The Financial Services sector average P/E is 19.3x. Compare against other Financial Services stocks in the StockPik screener.

What sector is Enova International, Inc. Common Stock (ENVA) in?

Enova International, Inc. Common Stock (ENVA) is in the Financial Services sector, specifically in the Personal Credit Institutions industry. Compare it against other Financial Services stocks by Value Score, P/E ratio, and Piotroski F-Score on StockPik.

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Enova International, Inc. Common Stock (ENVA)

NYSE Mid Cap

Financial Services › Personal Credit Institutions

$164.59

Market Cap: $4.1B

Data as of Mar 31, 2026 (TTM)

Price History

Feb 9, 2026 — May 21, 2026

Investment Snapshot

Trading 29% above Graham Number — above intrinsic value estimate
Piotroski F-Score 6/9 — moderate financial health
Strong ROE of 22.9% with 10.1% 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 $4.1 billion . Key value metrics: P/E ratio 12.8, P/B ratio 2.92, Piotroski F-Score 6 out of 9 (moderate financial health) .

Value Score

out of 100

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Key Metrics

P/E Ratio

12.78

P/B Ratio

2.92

EPS

$12.88

Div. Yield

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PEG Ratio

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P/S Ratio

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EV/EBITDA

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ROE

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ROA

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Gross Margin

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Op. Margin

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Net Margin

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Debt/Equity

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Current Ratio

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Current vs 5-Year Average

Based on 5 years of SEC filings

Net Margin

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↑ +2.1pp avg —

Gross Margin

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↑ +2.1pp avg —

Operating Margin

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↑ +2.1pp avg —

Return on Equity

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↑ +2.1pp avg —

Debt / Equity

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Revenue & Net Income

Profit Margins

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EPS & Free Cash Flow Per Share

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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

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Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Enova International, Inc. Common Stock — Fundamental Analysis Summary

Enova International, Inc. Common Stock (ENVA) is currently trading 29% above its Graham Number of $127.77, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 12.8x.

On financial health, ENVA shows a moderate Piotroski F-Score of 6/9, and strong return on equity of 22.9% (sector average: 4.9%), and high leverage with a debt-to-equity ratio of 3.45.

StockPik's composite Value Score for ENVA is 87/100 — 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 58.3% (sector average: 9.8%) and a strong operating margin of 23.8%.

ENVA shows revenue growing at 19% year-over-year, with earnings growing at 47%.

Top Value Stocks in Financial Services

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ADAM	Adamas Trust, Inc. - Common Stock	$8.90	5.5	100
ACIC	American Coastal Insurance Corporation - Common Stock	$10.80	5.3	100
ATLCL	Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026	$24.99	3.2	100
ACGLN	Arch Capital Group Ltd. - Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	$16.60	1.4	100
ACGLO	Arch Capital Group Ltd. - Depositary Shares Each Representing 1/1,000th Interest in a Share of5.45% Non-Cumulative Preferred Shares, Series F	$19.77	1.6	100

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How is the Value Score calculated?

Read our full methodology →

How is the Graham Number calculated?

Benjamin Graham's intrinsic value formula, worked examples, and how to use it →

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