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Enova InternationalENVA +0.19%83 3-Year EBITDA Growth Rate is 22.50% as of Jun. 2026, which is 298% above its 10-year median of 5.65. 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 329 Credit Services companies, Enova International ranks better than 65.05% on this metric.
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) 3-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.
Enova International 3-Year EBITDA Growth Rate Related Terms
ENVA vs CACC, KLAR, SLM: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Enova International's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Enova International's 3-Year EBITDA Growth Rate falls into.
Enova International 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 3-Year EBITDA Growth Rate of 22.50% mean?
Enova International (ENVA) has a 3-Year EBITDA Growth Rate of 22.50% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Enova International and its competitors. This is 298% above median its historical median of 5.65. According to the industry distribution chart, Enova International ranks #115 out of 329 companies in the Credit Services industry, placing it in the top 35%.
Is Enova International's 3-Year EBITDA Growth Rate too high?
Enova International's current 3-Year EBITDA Growth Rate of 22.50% is 298% above median its 10-year median of 5.65. The Credit Services industry median 3-Year EBITDA Growth Rate is 10.60. Enova International's value of 22.50% is 112.3% above this industry median. Based on the distribution chart, Enova International ranks #115 out of 329 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 3-Year EBITDA Growth Rate compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #115 out of 329 companies for 3-Year EBITDA Growth Rate. This puts Enova International in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 10.60. Enova International's value of 22.50% is 112.3% above this benchmark. While the company's 10-year median is 5.65 vs. the industry median of 10.60, 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 10.60, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current 3-Year EBITDA Growth Rate of 22.50% is 112.3% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Enova International and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 10.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current 3-Year EBITDA Growth Rate is 22.50%, which is 298% above median its own 10-year median of 5.65. 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 3-Year EBITDA Growth Rate is 22.50%, which is 298% above median its 10-year median of 5.65 and 112.3% above the Credit Services industry median of 10.60. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Enova International (ENVA), the current 3-Year EBITDA Growth Rate is 22.50% 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:
3-Year EBITDA Growth Rate: 22.50% (298% above median its 10-year median of 5.65)
GF Value™: $145.61 vs. price of $223.48 (53.5% above fair value)
Industry Position: 112.3% above the Credit Services median (#115 of 329)
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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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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