ENVA
Enova International Inc
Price:  
115.85 
USD
Volume:  
161,490.00
United States | Consumer Finance
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ENVA Fair Value

99.01 %
Upside

What is the fair value of ENVA?

As of 2025-07-07, the Fair Value of Enova International Inc (ENVA) is 230.55 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 115.85 USD, the upside of Enova International Inc is 99.01%.

Is ENVA a good investment?

With the market price of 115.85 USD and our fair value calculation, Enova International Inc (ENVA) is a good investment. Investing in ENVA stocks now will result in a potential gain of 99.01%.

115.85 USD
Stock Price
230.55 USD
Fair Price
FAIR VALUE CALCULATION

ENVA Fair Value

Peter Lynch's formula is:

ENVA Fair Value
= Earnings Growth Rate x TTM EPS
ENVA Fair Value
= 25.00 x 9.22
ENVA Fair Value
= 230.55

The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.

Historical Earnings
2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31 5Y Avg
Net income 377.80 256.30 207.40 175.12 209.45 245.21
YoY growth 932.24% -32.16% -19.08% -15.56% 19.60% 177.01%

ENVA Fair Value - Key Data

Market Cap (mil) 2,939.11
P/E 12.56x
Forward P/E 7.14x
EPS 9.22
Avg earnings growth rate 177.01%
TTM earnings 233.96