Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Enova International's Enterprise Value is $10,621 Mil.
Enova International's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $428 Mil. Therefore, Enova International's EV-to-EBIT ratio for today is 24.79.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, Enova International's Enterprise Value is $10,621 Mil.
Enova International's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $469 Mil. Therefore, Enova International's EV-to-EBITDA ratio for today is 22.64.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Enova International's Enterprise Value is $10,621 Mil.
Enova International's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was $3,281 Mil. Therefore, Enova International's EV-to-Revenue ratio for today is 3.24.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Enova International (NYSE:ENVA) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Enova International's current Enterprise Value is $10,621 Mil.
Enova International's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $428 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Enova International's current Enterprise Value is $10,621 Mil.
Enova International's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $469 Mil.
Enova International's current Enterprise Value is $10,621 Mil.
Enova International's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3,281 Mil.
Enova International's current Enterprise Value is $10,621 Mil.
Enova International's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,903 Mil.
Enova International's current Enterprise Value is $10,621 Mil.
Enova International's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,858 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 Enterprise Value Related Terms
Enova International Enterprise Value Historical Data
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The historical data trend for Enova International's Enterprise Value 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.
ENVA vs SEZL, CACC, NNI: Enterprise Value Comparison
For the Credit Services subindustry, Enova International's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Enova International's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Enova International's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of $10,621 Mil as of Jul. 03, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Enova International and its competitors.
Is Enova International's Enterprise Value too high?
Enova International's current Enterprise Value is $10,621 Mil. Overall, Enova International has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Enterprise Value compare to SEZL and CACC?
Enova International's Enterprise Value of $10,621 Mil 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Enova International and its competitors. Enova International's current Enterprise Value is $10,621 Mil. 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 $131.11, compared to a current price of $235.19 — trading 79.4% above its estimated fair value. The current Enterprise Value is $10,621 Mil. Enova International's overall GF Score™ is 82/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Enova International (ENVA), the current Enterprise Value is $10,621 Mil as of Jul. 03, 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 $235.19 is trading 79.4% above its estimated GF Value™ of $131.11.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Enterprise Value: $10,621 Mil
GF Value™: $131.11 vs. price of $235.19 (79.4% 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.
82GF Score
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