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Enova InternationalENVA -2.68%75 OCF Margin % is 58.57% as of Jun. 2026, which is 1% above its 10-year median of 57.81. 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 534 Credit Services companies, Enova International ranks better than 80.34% on this metric.
The historical data trend for Enova International's OCF Margin % 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.
For the Credit Services subindustry, Enova International's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Enova International's OCF Margin % 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 OCF Margin % of 58.57% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Enova International and its competitors. This is near median its historical median of 57.81. Over the past decade, Enova International's OCF Margin % has ranged from 39.06 to 72.24. According to the industry distribution chart, Enova International ranks #105 out of 534 companies in the Credit Services industry, placing it in the top 19.7%.
Is Enova International's OCF Margin % too high?
Enova International's current OCF Margin % of 58.57% is near median its 10-year median of 57.81. Over the past 10 years, this metric has ranged from a low of 39.06 to a high of 72.24. The Credit Services industry median OCF Margin % is 2.54. Enova International's value of 58.57% is 2205.9% above this industry median. Based on the distribution chart, Enova International ranks #105 out of 534 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 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's OCF Margin % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #105 out of 534 companies for OCF Margin %. This places Enova International in the top 20% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.54. Enova International's value of 58.57% is 2205.9% above this benchmark. Historically, Enova International's own OCF Margin % has ranged from 39.06 to 72.24 over the past decade. While the company's 10-year median is 57.81 vs. the industry median of 2.54, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.54, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current OCF Margin % of 58.57% is 2205.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Enova International and its competitors. For the Credit Services industry, the median OCF Margin % is 2.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current OCF Margin % is 58.57%, which is near median its own 10-year median of 57.81. 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 OCF Margin % is 58.57%, which is near median its 10-year median of 57.81 and 2205.9% above the Credit Services industry median of 2.54. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Enova International (ENVA), the current OCF Margin % is 58.57% 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:
OCF Margin %: 58.57% (near median its 10-year median of 57.81)
GF Value™: $141.73 vs. price of $255.96 (80.6% above fair value)
Industry Position: 2205.9% above the Credit Services median (#105 of 534)
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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