Price History
Feb 9, 2026 — Apr 4, 2026Investment Snapshot
- Trading 17% above Graham Number — above intrinsic value estimate
- Piotroski F-Score 6/9 — moderate financial health
- ROE of 20.4% — good return on equity
- Revenue growing at 19% annually
ENOVA INTERNATIONAL, INC. (ENVA) is a Financial Services company operating in Personal Credit Institutions, listed on the NYSE , with a market capitalisation of $3.4 billion . Key value metrics: P/E ratio 12.3, P/B ratio 2.51, 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. — Fundamental Analysis Summary
ENOVA INTERNATIONAL, INC. (ENVA) is currently trading 17% above its Graham Number of $114.53, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 12.3x.
On financial health, ENVA shows a moderate Piotroski F-Score of 6/9, and strong return on equity of 20.4% (sector average: 5.8%), and high leverage with a debt-to-equity ratio of 3.37.
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 57.6% (sector average: 9.2%) and a strong operating margin of 23.5%.
ENVA shows revenue growing at 19% year-over-year, with earnings growing at 47%.