ENVA
Enova International Inc
Price:  
114.82 
USD
Volume:  
245,963
United States | Consumer Finance

ENVA Fair Value

100.8 %
Upside

What is the fair value of ENVA?

As of 2025-07-12, 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 114.82 USD, the upside of Enova International Inc is 100.8%.

Is ENVA a good investment?

With the market price of 114.82 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 100.8%.

114.82 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 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
12-202012-202112-202212-202312-20245Y Avg
Net income377.8256.3207.4175.12209.45245
YoY growth932.2%-32.2%-19.1%-15.6%19.6%177%

ENVA Fair Value - Peers Benchmarking

Market Cap (mil)EPS Fair Value Upside
a
360 DigiTech Inc5,56553.4186.32332.4%
goeasy Ltd2,75516.2405.74139.2%
LendingClub Corp1,4500.411.11-12.5%
Lexinfintech Holdings Ltd1,2336.321.91211.2%
World Acceptance Corp90616.9422.51147.7%
Atlanticus Holdings Corp8427.7192.74246.2%
X Financial79439.427.5143.6%
EZCORP Inc7811.68.14-42.6%
Regional Management Corp3213.383.24157.3%
Medallion Financial Corp2201.68.15-13.9%

ENVA Fair Value - Key Data

Market Cap (mil)2,913
P/E12.5x
Forward P/E7.1x
EPS9.22
Avg earnings growth rate177%
TTM earnings234

ENVA Fair Value - Formula's Origin

Peter Lynch is one of the most legendary investors/fund managers of all time. His philosophy for stock investing is very simple and straightforward: he invests in stocks that are undervalued, meaning its P/E is less than or equal to its earnings growth rate. He believes that if a stock is trading at its fair value, the PEG ratio, which was also invented by him, should be 1.

Therefore, his formula to determine a company's fair value is:

Peter Lynch Fair Value = Earnings Growth Rate * EPS * PEG

PEG is set to 1 so we can ignore it in the calculation. Based on the formula, if the earnings growth rate of a company is 15%, Peter Lynch is willing to buy its share up to P/E = 15.