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Enova InternationalSTU:27E -1.77%77 EBITDA Margin % is 15.91% as of Jun. 2026, which is 19% above its 10-year median of 13.41. GuruFocus rates STU:27E with a GF Score™ of 77/100 and a GF Value™ of €122.93 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 418 Credit Services companies, Enova International ranks worse than 59.81% on this metric.
Enova International (STU:27E) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Enova International EBITDA Margin % Related Terms
Enova International EBITDA Margin % Historical Data
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The historical data trend for Enova International's EBITDA Margin % 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.
STU:27E vs CACC, KLAR, SEZL: EBITDA Margin % Comparison
For the Credit Services subindustry, Enova International's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Enova International's EBITDA Margin % falls into.
* 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 (STU:27E) has a EBITDA Margin % of 15.91% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Enova International and its competitors. This is 19% above median its historical median of 13.41. Over the past decade, Enova International's EBITDA Margin % has ranged from 7.61 to 30.79. According to the industry distribution chart, Enova International ranks #250 out of 418 companies in the Credit Services industry, placing it in the top 59.8%.
Is Enova International's EBITDA Margin % too high?
Enova International's current EBITDA Margin % of 15.91% is 19% above median its 10-year median of 13.41. Over the past 10 years, this metric has ranged from a low of 7.61 to a high of 30.79. The Credit Services industry median EBITDA Margin % is 21.53. Enova International's value of 15.91% is 26.1% below this industry median. Based on the distribution chart, Enova International ranks #250 out of 418 companies in the Credit Services industry, which is below the industry midpoint. Overall, Enova International has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's EBITDA Margin % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #250 out of 418 companies for EBITDA Margin %. This places Enova International in the lower half of its industry. The industry median EBITDA Margin % is 21.53. Enova International's value of 15.91% is 26.1% below this benchmark. Historically, Enova International's own EBITDA Margin % has ranged from 7.61 to 30.79 over the past decade. While the company's 10-year median is 13.41 vs. the industry median of 21.53, Enova International has consistently been below 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.53, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current EBITDA Margin % of 15.91% is 26.1% below 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Enova International and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current EBITDA Margin % is 15.91%, which is 19% above median its own 10-year median of 13.41. 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 (STU:27E) is currently considered Significantly Overvalued. The stock's GF Value™ is €122.93, compared to a current price of €222.00 — trading 80.6% above its estimated fair value. The current EBITDA Margin % is 15.91%, which is 19% above median its 10-year median of 13.41 and 26.1% below the Credit Services industry median of 21.53. Enova International's overall GF Score™ is 77/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Enova International (STU:27E), the current EBITDA Margin % is 15.91% 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 (STU:27E) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of €222.00 is trading 80.6% above its estimated GF Value™ of €122.93.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for STU:27E:
EBITDA Margin %: 15.91% (19% above median its 10-year median of 13.41)
GF Value™: €122.93 vs. price of €222.00 (80.6% above fair value)
Industry Position: 26.1% below the Credit Services median (#250 of 418)
No single metric tells the full story. See the STU:27E 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.
77GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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