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Enova InternationalENVA -2.68%75 Graham Number is $127.01 as of Jun. 2026, which is 12113% above its 10-year median of 1.04. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $141.73 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 404 Credit Services companies, Enova International ranks worse than 84.41% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-07), the stock price of Enova International is $255.96. Enova International's graham number for the quarter that ended in Jun. 2026 was $127.01. Therefore, Enova International's Price to Graham Number ratio for today is 2.02.
The historical rank and industry rank for Enova International's Graham Number or its related term are showing as below:
ENVA'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.45 Med: 1.04 Max: 9.4
Current: 2.02
During the past 13 years, the highest Price to Graham Number ratio of Enova International was 9.40. The lowest was 0.45. And the median was 1.04.
ENVA's Price-to-Graham-Number is ranked worse than 84.41% of 404
companies
in the Credit Services industry
Industry Median: 0.825
vs ENVA: 2.02
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Enova International (NYSE:ENVA) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Enova International's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
255.96
/
127.01
=
2.02
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Enova International Graham Number Related Terms
Enova International Graham Number Historical Data
* Premium members only.
The historical data trend for Enova International's Graham Number 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 CACC, KLAR, SEZL: Graham Number Comparison
For the Credit Services subindustry, Enova International's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Enova International's Price-to-Graham-Number 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 (ENVA) has a Graham Number of $127.01 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Enova International and its competitors. This is 12113% above median its historical median of 1.04. Over the past decade, Enova International's Graham Number has ranged from 0.45 to 9.40. According to the industry distribution chart, Enova International ranks #341 out of 404 companies in the Credit Services industry, placing it in the top 84.4%.
Is Enova International's Graham Number too high?
Enova International's current Graham Number of $127.01 is 12113% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 9.40. The Credit Services industry median Graham Number is 0.83. Enova International's value of $127.01 is 15295.2% above this industry median. Based on the distribution chart, Enova International ranks #341 out of 404 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Enova International has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Graham Number compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #341 out of 404 companies for Graham Number. This places Enova International in the lower half of its industry. The industry median Graham Number is 0.83. Enova International's value of $127.01 is 15295.2% above this benchmark. Historically, Enova International's own Graham Number has ranged from 0.45 to 9.40 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 0.83, 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 Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.83, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Graham Number of $127.01 is 15295.2% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Enova International and its competitors. For the Credit Services industry, the median Graham Number is 0.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Graham Number is $127.01, which is 12113% above median its own 10-year median of 1.04. 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 $141.73, compared to a current price of $255.96 — trading 80.6% above its estimated fair value. The current Graham Number is $127.01, which is 12113% above median its 10-year median of 1.04 and 15295.2% above the Credit Services industry median of 0.83. Enova International's overall GF Score™ is 75/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Enova International (ENVA), the current Graham Number is $127.01 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 (ENVA) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of $255.96 is trading 80.6% above its estimated GF Value™ of $141.73.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Graham Number: $127.01 (12113% above median its 10-year median of 1.04)
GF Value™: $141.73 vs. price of $255.96 (80.6% above fair value)
Industry Position: 15295.2% above the Credit Services median (#341 of 404)
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.
75GF Score
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