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Enova International (FRA:27E) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Enova International Forward PE Ratio Related Terms
Enova International Forward PE Ratio Historical Data
* Premium members only.
The historical data trend for Enova International's Forward PE Ratio 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.
Enova International Forward PE Ratio Chart
Enova International Annual Data
Trend
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
5.56
4.95
7.08
5.57
6.79
9.28
11.02
Enova International Quarterly Data
2019-06
2019-09
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
2026-06
Forward PE Ratio
7.29
5.45
5.56
2.83
4.10
3.00
4.95
6.57
6.86
5.79
7.08
5.97
4.53
4.21
5.57
5.68
7.27
5.48
6.79
7.73
7.60
8.08
9.28
8.30
8.62
8.54
11.02
8.44
13.52
FRA:27E vs CACC, KLAR, SLM: Forward PE Ratio Comparison
For the Credit Services subindustry, Enova International's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Enova International (FRA:27E) has a Forward PE Ratio of 10.28 as of Sep. 03, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Enova International and its competitors. According to the industry distribution chart, Enova International ranks #108 out of 187 companies in the Credit Services industry, placing it in the top 57.8%.
Is Enova International's Forward PE Ratio too high?
Enova International's current Forward PE Ratio is 10.28. The Credit Services industry median Forward PE Ratio is 9.33. Enova International's value of 10.28 is 10.2% above this industry median. Based on the distribution chart, Enova International ranks #108 out of 187 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 Forward PE Ratio compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #108 out of 187 companies for Forward PE Ratio. This places Enova International in the lower half of its industry. The industry median Forward PE Ratio is 9.33. Enova International's value of 10.28 is 10.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Credit Services company?
The median Forward PE Ratio among Credit Services companies is 9.33, based on 187 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Forward PE Ratio of 10.28 is 10.2% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Enova International and its competitors. For the Credit Services industry, the median Forward PE Ratio is 9.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Forward PE Ratio is 10.28. 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 (FRA:27E) is currently considered Significantly Overvalued. The stock's GF Value™ is €121.22, compared to a current price of €190.00 — trading 56.7% above its estimated fair value. The current Forward PE Ratio is 10.28 and 10.2% above the Credit Services industry median of 9.33. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Enova International (FRA:27E), the current Forward PE Ratio is 10.28 as of Sep. 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 (FRA:27E) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of €190.00 is trading 56.7% above its estimated GF Value™ of €121.22.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for FRA:27E:
Forward PE Ratio: 10.28
GF Value™: €121.22 vs. price of €190.00 (56.7% above fair value)
Industry Position: 10.2% above the Credit Services median (#108 of 187)
No single metric tells the full story. See the FRA: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.
83GF Score
Get the complete analysis for FRA:27E
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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