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Enova InternationalENVA +0.19%83 Earnings per Share (Diluted) is $13.49 as of Jun. 2026. GuruFocus rates ENVA with a GF Score™ of 83/100 and a GF Value™ of $145.61 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 429 Credit Services companies, Enova International ranks better than 65.97% on this metric.
Enova International's EPS (Basic) for the
three
months ended in Jun. 2026 was $4.22.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $14.29.
During the past 12 months, Enova International's average EPS without NRIGrowth Rate was 33.50% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 23.90% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 10.40% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 28.10% per year.
During the past 13 years, Enova International's highest 3-Year average EPS without NRI Growth Rate was 91.70% per year. The lowest was -33.00% per year. And the median was 21.25% per year.
Enova International (NYSE:ENVA) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Enova International Earnings per Share (Diluted) Related Terms
Enova International Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Enova International's Earnings per Share (Diluted) 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.
Enova International Earnings per Share (Diluted) Chart
ENVA vs CACC, KLAR, SLM: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Enova International's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's PE Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's PE Ratio falls into.
Enova International Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Enova International's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $13.49
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $13.49 mean?
Enova International (ENVA) has a Earnings per Share (Diluted) of $13.49 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Enova International and its competitors. According to the industry distribution chart, Enova International ranks #146 out of 429 companies in the Credit Services industry, placing it in the top 34%.
Is Enova International's Earnings per Share (Diluted) too high?
Enova International's current Earnings per Share (Diluted) is $13.49. The Credit Services industry median Earnings per Share (Diluted) is 11.70. Enova International's value of $13.49 is 15.3% above this industry median. Based on the distribution chart, Enova International ranks #146 out of 429 companies in the Credit Services industry, which is above the industry midpoint. Overall, Enova International has a GF Score™ of 83/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Earnings per Share (Diluted) compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #146 out of 429 companies for Earnings per Share (Diluted). This puts Enova International in the upper half of its industry. The industry median Earnings per Share (Diluted) is 11.70. Enova International's value of $13.49 is 15.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.70, based on 429 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Earnings per Share (Diluted) of $13.49 is 15.3% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Enova International and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Earnings per Share (Diluted) is $13.49. 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 $145.61, compared to a current price of $223.48 — trading 53.5% above its estimated fair value. The current Earnings per Share (Diluted) is $13.49 and 15.3% above the Credit Services industry median of 11.70. Enova International's overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Enova International (ENVA), the current Earnings per Share (Diluted) is $13.49 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 $223.48 is trading 53.5% above its estimated GF Value™ of $145.61.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Earnings per Share (Diluted): $13.49
GF Value™: $145.61 vs. price of $223.48 (53.5% above fair value)
Industry Position: 15.3% above the Credit Services median (#146 of 429)
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.
83GF Score
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