What is ENVA's P/E ratio?

ENOVA INTERNATIONAL INC (ENVA) currently trades at a P/E ratio of 17.75.

ENOVA INTERNATIONAL INC reports a Return on Equity (ROE) of 23.74%.

What is ENVA's dividend yield?

ENOVA INTERNATIONAL INC offers a dividend yield of 0.00%.

What is ENVA's Quality Score?

Our AI rates ENVA's overall financial quality at 54 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy ENVA?

Our AI Timing Score for ENVA is 91 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does ENVA belong to?

ENOVA INTERNATIONAL INC is classified under the Financial Services >> Credit Services sector on the NYSE exchange

ENVA (NYSE) Stock Analysis | ENOVA INTERNATIONAL INC

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-06-30)

ENVA AI Analysis Summary

Our AI summary for ENVA: ENOVA INTERNATIONAL INC (NYSE), Financial Services >> Credit Services sector. The stock currently trades at a P/E of 17.75, ROE of 23.74%, a dividend yield of 0.00%. Its financial Quality Score stands at 54/100 — mid-range fundamentals relative to the market. The AI Timing Score is 91/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

ENVA

ENOVA INTERNATIONAL INC

USD 254.14

0.79 (0.31%) Day Change

Watchlist Portfolio Compare Chart

17.75

P/E

3.37

D/E

23.7%

ROE

4.9%

ROA

0.00%

Div Yield

0.65

PEG

ENOVA INTERNATIONAL INC
TYPE: STOCK
MARKET: NYSE

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USD 254.14 Price 0.79 (0.31%) Day Change	NEWS SCORE: 99

ENVA, the overall quality is not quite good ( Quality = 54) but the timing to buy is ...(Sign In to See)...

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54 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: Acceleration of ROE growth rate is below our criteria.
ROA is too relatively low compare to ROE
Acceleration of ROA growth rate is below our criteria.
Net profit margin is relatively low.
Acceleration of net profit margin growth rate is below our criteria
Historical net profit margin is relatively low.

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not quite good , financial health is not quite good , and ability to make profit is good , ...

Quality Factors

51%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	99
Magic Formula Rank by ROA	1381
Magic Formula Rank by ROE	1381
Magic Formula Rank by ROIC	1808
Price	254.14
PBV / Sector	4.21 / 4.67
Earning Per Share	14.32

PE / Sector	17.75 / 13.71
PEG or PE/Growth / Sector	0.65 / 0.12
Average 1M Daily Value	85.95 M
Average 1W Daily Value	104.38 M GREAT

Timing Factors

71%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

50%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

72%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	11.81 / 69.56
NPM Average (%) / Sector	9.94 / 32.21
NPM Change Average (%) / Sector	2.33 / 23.87
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	4.92 / 5.73
ROA Average (%) / Sector	4.59 / 4.78
ROA Change Average (%) / Sector	-0.79 / 8.81
ROE (%) / Sector	23.74 / 25.41 GOOD
ROE Average (%) / Sector	19.18 / 10.57
ROE Change Average (%) / Sector	9.86 / 8.94
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

Dividend (%) / Sector	N/A / 2.40
Dividend Average (%) / Sector	N/A / 4.16
Dividend Change Average (%) / Sector	N/A / 18.70

Registration Details

Analyze Date	2026-08-01 07:59:47
Symbol	ENVA
Name	ENOVA INTERNATIONAL INC
Sector	Financial Services >> Credit Services
Market	NYSE
Listed Shares	24.90 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	6,308.00 / 43,886.28

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 175 West Jackson Blvd., Chicago, IL, United States, 60604

Phone: 312 568 4200

Website: https://www.enova.com

Employees: 1,836

Sector: Financial Services >> Credit Services

Description: Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.