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Enova InternationalENVA -2.68%75 Days Payable is 61.37 as of Jun. 2026, which is 270% above its 10-year median of 16.57. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $141.63 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 302 Credit Services companies, Enova International ranks better than 57.28% on this metric.
The historical rank and industry rank for Enova International's Days Payable or its related term are showing as below:
ENVA'
s Days Payable Range Over the Past 10 Years
Min: 12.49 Med: 16.57 Max: 50.2
Current: 50.2
During the past 13 years, Enova International's highest Days Payable was 50.20. The lowest was 12.49. And the median was 16.57.
ENVA's Days Payable is ranked better than 57.28% of 302
companies
in the Credit Services industry
Industry Median: 33.455
vs ENVA: 50.20
Enova International's Days Payable
increased
from Jun. 2025 (55.71) to Jun. 2026 (61.37).
It may suggest that Enova Internationaldelayed paying its suppliers.
The historical data trend for Enova International's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Enova International's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Enova International Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Days Payable distribution charts can be found below:
* The bar in red indicates where Enova International's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Enova International's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enova International (ENVA) has a Days Payable of 61.37 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Enova International and its competitors. This is 270% above median its historical median of 16.57. Over the past decade, Enova International's Days Payable has ranged from 12.49 to 50.20. According to the industry distribution chart, Enova International ranks #129 out of 302 companies in the Credit Services industry, placing it in the top 42.7%.
Is Enova International's Days Payable too high?
Enova International's current Days Payable of 61.37 is 270% above median its 10-year median of 16.57. Over the past 10 years, this metric has ranged from a low of 12.49 to a high of 50.20. The Credit Services industry median Days Payable is 33.46. Enova International's value of 61.37 is 83.4% above this industry median. Based on the distribution chart, Enova International ranks #129 out of 302 companies in the Credit Services industry, which is above the industry midpoint. Overall, Enova International has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Days Payable compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #129 out of 302 companies for Days Payable. This puts Enova International in the upper half of its industry. The industry median Days Payable is 33.46. Enova International's value of 61.37 is 83.4% above this benchmark. Historically, Enova International's own Days Payable has ranged from 12.49 to 50.20 over the past decade. While the company's 10-year median is 16.57 vs. the industry median of 33.46, Enova International has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.46, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Days Payable of 61.37 is 83.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Enova International and its competitors. For the Credit Services industry, the median Days Payable is 33.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Days Payable is 61.37, which is 270% above median its own 10-year median of 16.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enova International stock overvalued right now?
Based on GuruFocus' analysis, Enova International (ENVA) is currently considered Significantly Overvalued. The stock's GF Value™ is $141.63, compared to a current price of $255.96 — trading 80.7% above its estimated fair value. The current Days Payable is 61.37, which is 270% above median its 10-year median of 16.57 and 83.4% above the Credit Services industry median of 33.46. Enova International's overall GF Score™ is 75/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Enova International (ENVA), the current Days Payable is 61.37 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Enova International (ENVA) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of $255.96 is trading 80.7% above its estimated GF Value™ of $141.63.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Days Payable: 61.37 (270% above median its 10-year median of 16.57)
GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
Industry Position: 83.4% above the Credit Services median (#129 of 302)
No single metric tells the full story. See the ENVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
75GF Score
Get the complete analysis for ENVA
Days Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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