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Enova InternationalENVA -2.35%83 EV-to-OCF is 5.29 as of Aug. 31, 2026, which is 47% above its 10-year median of 3.61. GuruFocus rates ENVA with a GF Score™ of 83/100 and a GF Value™ of $144.47 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 543 Credit Services companies, Enova International ranks worse than 61.88% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Enova International's Enterprise Value is $10,582 Mil.
Enova International's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $1,999 Mil. Therefore, Enova International's EV-to-OCF for today is 5.29.
The historical rank and industry rank for Enova International's EV-to-OCF or its related term are showing as below:
ENVA'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.01 Med: 3.61 Max: 6.22
Current: 5.29
During the past 13 years, the highest EV-to-OCF of Enova International was 6.22. The lowest was 1.01. And the median was 3.61.
ENVA's EV-to-OCF is ranked worse than 61.88% of 543
companies
in the Credit Services industry
Industry Median: -0.1
vs ENVA: 5.29
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Enova International (NYSE:ENVA) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Enova International's PE Ratio (TTM) for today is calculated as:
Enova International's share price for today is $227.26.
Enova International's 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 $13.490.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Enova International EV-to-OCF Related Terms
Enova International EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Enova International's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Enova International's EV-to-OCF falls into.
Enova International's current Enterprise Value is $10,582 Mil.
Enova International's Cash Flow from Operations 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 $1,999 Mil.
* 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 EV-to-OCF of 5.29 as of Aug. 31, 2026. This is 47% above median its historical median of 3.61. Over the past decade, Enova International's EV-to-OCF has ranged from 1.01 to 6.22. According to the industry distribution chart, Enova International ranks #336 out of 543 companies in the Credit Services industry, placing it in the top 61.9%.
Is Enova International's EV-to-OCF too high?
Enova International's current EV-to-OCF of 5.29 is 47% above median its 10-year median of 3.61. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 6.22. Based on the distribution chart, Enova International ranks #336 out of 543 companies in the Credit Services industry, which is below 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 EV-to-OCF compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #336 out of 543 companies for EV-to-OCF. This places Enova International in the lower half of its industry. Historically, Enova International's own EV-to-OCF has ranged from 1.01 to 6.22 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Enova International's current EV-to-OCF is 5.29, which is 47% above median its own 10-year median of 3.61. 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 $144.47, compared to a current price of $227.26 — trading 57.3% above its estimated fair value. The current EV-to-OCF is 5.29, which is 47% above median its 10-year median of 3.61. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Enova International (ENVA), the current EV-to-OCF is 5.29 as of Aug. 31, 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 $227.26 is trading 57.3% above its estimated GF Value™ of $144.47.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
EV-to-OCF: 5.29 (47% above median its 10-year median of 3.61)
GF Value™: $144.47 vs. price of $227.26 (57.3% 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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