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Enova InternationalENVA -2.68%75 Median PS Value is $116.74 as of Aug. 07, 2026, which is 9391% above its 10-year median of 1.23. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $141.63 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 288 Credit Services companies, Enova International ranks worse than 87.15% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Enova International (NYSE:ENVA) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Enova International's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
255.96
/
116.74
=
2.19
* 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 Median PS Value Related Terms
Enova International Median PS Value Historical Data
* Premium members only.
The historical data trend for Enova International's Median PS Value 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: Median PS Value Comparison
For the Credit Services subindustry, Enova International's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Enova International's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.8938.
Enova International's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $130.617.
* 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 Median PS Value of $116.74 as of Aug. 07, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Enova International and its competitors. This is 9391% above median its historical median of 1.23. Over the past decade, Enova International's Median PS Value has ranged from 0.95 to 2.25. According to the industry distribution chart, Enova International ranks #251 out of 288 companies in the Credit Services industry, placing it in the top 87.2%.
Is Enova International's Median PS Value too high?
Enova International's current Median PS Value of $116.74 is 9391% above median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 2.25. The Credit Services industry median Median PS Value is 0.95. Enova International's value of $116.74 is 12188.4% above this industry median. Based on the distribution chart, Enova International ranks #251 out of 288 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 Median PS Value compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #251 out of 288 companies for Median PS Value. This places Enova International in the lower half of its industry. The industry median Median PS Value is 0.95. Enova International's value of $116.74 is 12188.4% above this benchmark. Historically, Enova International's own Median PS Value has ranged from 0.95 to 2.25 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 0.95, 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.95, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Median PS Value of $116.74 is 12188.4% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Enova International and its competitors. For the Credit Services industry, the median Median PS Value is 0.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Median PS Value is $116.74, which is 9391% above median its own 10-year median of 1.23. 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 $141.63, compared to a current price of $255.96 — trading 80.7% above its estimated fair value. The current Median PS Value is $116.74, which is 9391% above median its 10-year median of 1.23 and 12188.4% above the Credit Services industry median of 0.95. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Enova International (ENVA), the current Median PS Value is $116.74 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 $255.96 is trading 80.7% above its estimated GF Value™ of $141.63.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Median PS Value: $116.74 (9391% above median its 10-year median of 1.23)
GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
Industry Position: 12188.4% above the Credit Services median (#251 of 288)
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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