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During the past 12 months, Enova International's average EBITDA Per Share Growth Rate was 34.30% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 22.50% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 10.70% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 23.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Enova International was 77.00% per year. The lowest was -35.00% per year. And the median was 5.65% per year.
Enova International (NYSE:ENVA) 5-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
5-Year EBITDA Growth Rate gives an overview of the company's growth in operating profitability and is an important factor used in calculating Peter Lynch Fair Value.
Enova International 5-Year EBITDA Growth Rate Related Terms
ENVA vs CACC, KLAR, SLM: 5-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Enova International's 5-Year EBITDA Growth Rate, along with its competitors' market caps and 5-Year EBITDA Growth Rate 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 5-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's 5-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Enova International's 5-Year EBITDA Growth Rate falls into.
Enova International 5-Year EBITDA Growth Rate Calculation
This is the 5-year average growth rate of EBITDA per Share. The growth rate is calculated with least square regression.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 5-Year EBITDA Growth Rate of 10.70% mean?
Enova International (ENVA) has a 5-Year EBITDA Growth Rate of 10.70% as of Jun. 2026. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for Enova International and its competitors.
Is Enova International's 5-Year EBITDA Growth Rate too high?
Enova International's current 5-Year EBITDA Growth Rate is 10.70%. 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 5-Year EBITDA Growth Rate compare to CACC and KLAR?
Enova International's 5-Year EBITDA Growth Rate of 10.70% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year EBITDA Growth Rate for a Credit Services company?
A good 5-Year EBITDA Growth Rate depends on the Credit Services industry context. However, 5-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year EBITDA Growth Rate mean?
A high 5-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 5-Year EBITDA Growth Rate is the 5-year average growth rate of EBITDA per share. View historical data for Enova International and its competitors. Enova International's current 5-Year EBITDA Growth Rate is 10.70%. 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 5-Year EBITDA Growth Rate is 10.70%. 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 5-Year EBITDA Growth Rate calculated?
5-Year EBITDA Growth Rate is calculated from a company's financial statements. For Enova International (ENVA), the current 5-Year EBITDA Growth Rate is 10.70% 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:
5-Year EBITDA Growth Rate: 10.70%
GF Value™: $145.61 vs. price of $223.48 (53.5% above fair value)
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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5-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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