Enova InternationalENVA -2.89%82 PB Ratio is 4.18 as of Jul. 03, 2026, which is 150% above its 10-year median of 1.67. GuruFocus rates ENVA with a GF Score™ of 82/100 and a GF Value™ of $131.11 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 524 Credit Services companies, Enova International ranks worse than 90.08% on this metric.
Enova International Inc stock PB Ratio (=4.18) is close to 10-year high of 4.18.
The historical rank and industry rank for Enova International's PB Ratio or its related term are showing as below:
ENVA'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 1.67 Max: 4.18
Current: 4.18
During the past 13 years, Enova International's highest PB Ratio was 4.18. The lowest was 0.76. And the median was 1.67.
ENVA's PB Ratio is ranked worse than 90.08% of 524
companies
in the Credit Services industry
Industry Median: 1.05
vs ENVA: 4.18
During the past 12 months, Enova International's average Book Value Per Share Growth Rate was 20.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 15.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 27.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Enova International was 54.80% per year. The lowest was 11.50% per year. And the median was 21.20% per year.
Back to Basics: PB Ratio
Enova International (NYSE:ENVA) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Enova International PB Ratio Related Terms
Enova International PB Ratio Historical Data
* Premium members only.
The historical data trend for Enova International's PB 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.
For the Credit Services subindustry, Enova International's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's PB Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Enova International (ENVA) has a PB Ratio of 4.18 as of Jul. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Enova International and its competitors. This is 150% above median its historical median of 1.67. Over the past decade, Enova International's PB Ratio has ranged from 0.76 to 4.18. According to the industry distribution chart, Enova International ranks #472 out of 524 companies in the Credit Services industry, placing it in the top 90.1%.
Is Enova International's PB Ratio too high?
Enova International's current PB Ratio of 4.18 is 150% above median its 10-year median of 1.67. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 4.18. The Credit Services industry median PB Ratio is 1.05. Enova International's value of 4.18 is 298.1% above this industry median. Based on the distribution chart, Enova International ranks #472 out of 524 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Enova International has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's PB Ratio compare to SEZL and CACC?
According to the Credit Services industry distribution chart, Enova International ranks #472 out of 524 companies for PB Ratio. This places Enova International in the lower half of its industry. The industry median PB Ratio is 1.05. Enova International's value of 4.18 is 298.1% above this benchmark. Historically, Enova International's own PB Ratio has ranged from 0.76 to 4.18 over the past decade. While the company's 10-year median is 1.67 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current PB Ratio of 4.18 is 298.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Enova International and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current PB Ratio is 4.18, which is 150% above median its own 10-year median of 1.67. 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 $131.11, compared to a current price of $235.19 — trading 79.4% above its estimated fair value. The current PB Ratio is 4.18, which is 150% above median its 10-year median of 1.67 and 298.1% above the Credit Services industry median of 1.05. Enova International's overall GF Score™ is 82/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Enova International (ENVA), the current PB Ratio is 4.18 as of Jul. 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 (ENVA) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of $235.19 is trading 79.4% above its estimated GF Value™ of $131.11.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
PB Ratio: 4.18 (150% above median its 10-year median of 1.67)
GF Value™: $131.11 vs. price of $235.19 (79.4% above fair value)
Industry Position: 298.1% above the Credit Services median (#472 of 524)
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.
82GF Score
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