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Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.
Enova International Margin of Safety % (DCF FCF Based) Related Terms
ENVA vs CACC, KLAR, SEZL: Margin of Safety % (DCF FCF Based) Comparison
For the Credit Services subindustry, Enova International's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Margin of Safety % (DCF FCF Based) distribution charts can be found below:
* The bar in red indicates where Enova International's Margin of Safety % (DCF FCF Based) 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.
The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.
What does a Margin of Safety % (DCF FCF Based) of 88.97% mean?
Enova International (ENVA) has a Margin of Safety % (DCF FCF Based) of 88.97% as of Aug. 07, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Enova International.
Is Enova International's Margin of Safety % (DCF FCF Based) too high?
Enova International's current Margin of Safety % (DCF FCF Based) is 88.97%. 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 Margin of Safety % (DCF FCF Based) compare to CACC and KLAR?
Enova International's Margin of Safety % (DCF FCF Based) of 88.97% 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 Margin of Safety % (DCF FCF Based) for a Credit Services company?
A good Margin of Safety % (DCF FCF Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Enova International. Enova International's current Margin of Safety % (DCF FCF Based) is 88.97%. 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 $251.63 — trading 77.5% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 88.97%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Enova International (ENVA), the current Margin of Safety % (DCF FCF Based) is 88.97% 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 (ENVA) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of $251.63 is trading 77.5% above its estimated GF Value™ of $141.73.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Margin of Safety % (DCF FCF Based): 88.97%
GF Value™: $141.73 vs. price of $251.63 (77.5% 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.
75GF Score
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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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