Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Enova InternationalFRA:27E +1.80%75 PEG Ratio is 1.67 as of Aug. 06, 2026, which is 476% above its 10-year median of 0.29. GuruFocus rates FRA:27E with a GF Score™ of 75/100 and a GF Value™ of €119.54 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 234 Credit Services companies, Enova International ranks worse than 65.81% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Enova International's PEG Ratio or its related term are showing as below:
FRA:27E'
s PEG Ratio Range Over the Past 10 Years
Min: 0.07 Med: 0.29 Max: 25.58
Current: 1.7
During the past 13 years, Enova International's highest PEG Ratio was 25.58. The lowest was 0.07. And the median was 0.29.
FRA:27E's PEG Ratio is ranked worse than 65.81% of 234
companies
in the Credit Services industry
Industry Median: 0.89
vs FRA:27E: 1.70
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Enova International (FRA:27E) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Enova International PEG Ratio Related Terms
Enova International PEG Ratio Historical Data
* Premium members only.
The historical data trend for Enova International's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Enova International (FRA:27E) has a PEG Ratio of 1.67 as of Aug. 06, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Enova International and its competitors. This is 476% above median its historical median of 0.29. Over the past decade, Enova International's PEG Ratio has ranged from 0.07 to 25.58. According to the industry distribution chart, Enova International ranks #154 out of 234 companies in the Credit Services industry, placing it in the top 65.8%.
Is Enova International's PEG Ratio too high?
Enova International's current PEG Ratio of 1.67 is 476% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 25.58. The Credit Services industry median PEG Ratio is 0.89. Enova International's value of 1.67 is 87.6% above this industry median. Based on the distribution chart, Enova International ranks #154 out of 234 companies in the Credit Services industry, which is below the industry midpoint. 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 PEG Ratio compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #154 out of 234 companies for PEG Ratio. This places Enova International in the lower half of its industry. The industry median PEG Ratio is 0.89. Enova International's value of 1.67 is 87.6% above this benchmark. Historically, Enova International's own PEG Ratio has ranged from 0.07 to 25.58 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.89, 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.89, based on 234 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current PEG Ratio of 1.67 is 87.6% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Enova International and its competitors. For the Credit Services industry, the median PEG Ratio is 0.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current PEG Ratio is 1.67, which is 476% above median its own 10-year median of 0.29. 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 (FRA:27E) is currently considered Significantly Overvalued. The stock's GF Value™ is €119.54, compared to a current price of €226.00 — trading 89.1% above its estimated fair value. The current PEG Ratio is 1.67, which is 476% above median its 10-year median of 0.29 and 87.6% above the Credit Services industry median of 0.89. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Enova International (FRA:27E), the current PEG Ratio is 1.67 as of Aug. 06, 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 (FRA:27E) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of €226.00 is trading 89.1% above its estimated GF Value™ of €119.54.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for FRA:27E:
PEG Ratio: 1.67 (476% above median its 10-year median of 0.29)
GF Value™: €119.54 vs. price of €226.00 (89.1% above fair value)
Industry Position: 87.6% above the Credit Services median (#154 of 234)
No single metric tells the full story. See the FRA:27E 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
Get the complete analysis for FRA:27E
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:27E has been successfully added to your 
