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Enova InternationalSTU:27E -1.77%77 FCF Margin % is 57.21% as of Jun. 2026, which is 2% above its 10-year median of 56.24. 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 535 Credit Services companies, Enova International ranks better than 80.75% on this metric.
The historical data trend for Enova International's FCF 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: FCF Margin % Comparison
For the Credit Services subindustry, Enova International's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Enova International's FCF 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 FCF Margin % of 57.21% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Enova International and its competitors. This is near median its historical median of 56.24. Over the past decade, Enova International's FCF Margin % has ranged from 36.61 to 70.53. According to the industry distribution chart, Enova International ranks #103 out of 535 companies in the Credit Services industry, placing it in the top 19.3%.
Is Enova International's FCF Margin % too high?
Enova International's current FCF Margin % of 57.21% is near median its 10-year median of 56.24. Over the past 10 years, this metric has ranged from a low of 36.61 to a high of 70.53. The Credit Services industry median FCF Margin % is 0.29. Enova International's value of 57.21% is 19627.6% above this industry median. Based on the distribution chart, Enova International ranks #103 out of 535 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #103 out of 535 companies for FCF Margin %. This places Enova International in the top 19% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.29. Enova International's value of 57.21% is 19627.6% above this benchmark. Historically, Enova International's own FCF Margin % has ranged from 36.61 to 70.53 over the past decade. While the company's 10-year median is 56.24 vs. the industry median of 0.29, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.29, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current FCF Margin % of 57.21% is 19627.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Enova International and its competitors. For the Credit Services industry, the median FCF Margin % is 0.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current FCF Margin % is 57.21%, which is near median its own 10-year median of 56.24. 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 FCF Margin % is 57.21%, which is near median its 10-year median of 56.24 and 19627.6% above the Credit Services industry median of 0.29. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Enova International (STU:27E), the current FCF Margin % is 57.21% 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:
FCF Margin %: 57.21% (near median its 10-year median of 56.24)
GF Value™: €122.93 vs. price of €222.00 (80.6% above fair value)
Industry Position: 19627.6% above the Credit Services median (#103 of 535)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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