The Discounted Cash Flow (DCF) valuation of Enova International Inc (ENVA) is 517.23 USD. With the latest stock price at 114.82 USD, the upside of Enova International Inc based on DCF is 350.5%.

Is ENVA a buy or a sell?

Based on the latest price of 114.82 USD and our DCF valuation, Enova International Inc (ENVA) is a buy. Buying ENVA stocks now will result in a potential gain of 350.5%.

	Range	Selected
WACC / Discount Rate	7.4% - 9.8%	8.6%
Long-term Growth Rate	0.0% - 1.0%	0.5%
Fair Price	407.59 - 685.92	517.23
Upside	255.0% - 497.4%	350.5%

114.82 USD

Stock Price

517.23 USD

Fair Price

REVENUE & EXPENSES

CAPEX

D&A

WORKING CAPITAL

TERMINAL VALUE

ENVA DCF Valuation: Revenue & Expenses Forecast

(USD in millions)		Projections

	12-2024	12-2025	12-2026	12-2027	12-2028	12-2029

Revenue	1,529	3,012	3,354	3,945	4,345	4,712
% Growth	24%	97%	11%	18%	10%	8%

Cost of goods sold	0	0	0	0	0	0
% of Revenue	0%	0%	0%	0%	0%	0%

Selling, G&A expenses	(904)	(1,781)	(1,984)	(2,333)	(2,570)	(2,787)
% of Revenue	59%	59%	59%	59%	59%	59%

Research & Development	0	0	0	0	0	0
% of Revenue	0%	0%	0%	0%	0%	0%

Net interest & other expenses	(354)	(697)	(776)	(913)	(1,005)	(1,090)
% of Revenue	23%	23%	23%	23%	23%	23%

Tax expense	(62)	(122)	(136)	(160)	(177)	(192)
Tax rate	23%	23%	23%	23%	23%	23%

Net profit	209	411	458	539	594	644
% Margin	14%	14%	14%	14%	14%	14%