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Enova InternationalSTU:27E -1.77%77 FCF Yield % is 30.64 as of Aug. 07, 2026, which is 51% below its 10-year median of 62.27. 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 543 Credit Services companies, Enova International ranks better than 86.19% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Enova International FCF Yield % Related Terms
Enova International FCF Yield % Historical Data
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The historical data trend for Enova International's FCF Yield % 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 Yield % Comparison
For the Credit Services subindustry, Enova International's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Enova International's FCF Yield % 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 Yield % of 30.64 as of Aug. 07, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Enova International and its competitors. This is 51% below median its historical median of 62.27. Over the past decade, Enova International's FCF Yield % has ranged from 25.23 to 243.23. According to the industry distribution chart, Enova International ranks #75 out of 543 companies in the Credit Services industry, placing it in the top 13.8%.
Is Enova International's FCF Yield % too high?
Enova International's current FCF Yield % of 30.64 is 51% below median its 10-year median of 62.27. Over the past 10 years, this metric has ranged from a low of 25.23 to a high of 243.23. Based on the distribution chart, Enova International ranks #75 out of 543 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 Yield % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #75 out of 543 companies for FCF Yield %. This places Enova International in the top 14% of its industry — outperforming the majority of peers. Historically, Enova International's own FCF Yield % has ranged from 25.23 to 243.23 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 FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Enova International and its competitors. Enova International's current FCF Yield % is 30.64, which is 51% below median its own 10-year median of 62.27. 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 Yield % is 30.64, which is 51% below median its 10-year median of 62.27. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Enova International (STU:27E), the current FCF Yield % is 30.64 as of Aug. 07, 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 Yield %: 30.64 (51% below median its 10-year median of 62.27)
GF Value™: €122.93 vs. price of €222.00 (80.6% above fair value)
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 Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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