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Personal credit institutions company · DE · FY ends Dec · Revenue $3.28B · 23.61% margin · $1.86B FCF
$232.52
$3.01 (-1.28%)
EOD Jul 17, 2026
Net margin is thin at 9.78%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 18.6% YoY.
At 19x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
18.9x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$3.28B
▲ +18.6% YoY
Net Income (TTM)
$327M
▲ +47.2% YoY
Net Margin
9.95%
P/E
18.9x
Balance Sheet
Total Assets
$6.88B
Equity
$1.40B
Total Debt
$4.86B
Cash & Equiv.
$96M
5Y CAGR: +23.8%
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At a P/E of 18.9 and a price-to-free-cash-flow of 3.3, Enova International (ENVA) trades below a two-stage DCF intrinsic value of about $3,377.56 per share, so at $232.52 the stock looks undervalued (1,352.6% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Enova International scores 81/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $3,377.56 per share for ENVA, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $2,533.17. At today's $232.52, that puts the stock about 1,352.6% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Enova International scores 81 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 23.6% operating margin and a 11.9% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. ENVA currently trades below its estimated intrinsic value and scores 81/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.