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Enova InternationalENVA +0.31%75 PE Ratio (TTM) is 18.84 as of Jul. 31, 2026, which is 69% above its 10-year median of 11.15. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $140.79 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 408 Credit Services companies, Enova International ranks worse than 62.75% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-31), Enova International's share price is
$254.14.
Enova International's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $13.49. Therefore, Enova International's PE Ratio (TTM) for today is 18.84.
Warning Sign:
Enova International Inc stock PE Ratio (=18.78) is close to 5-year high of 18.78.
The historical rank and industry rank for Enova International's PE Ratio (TTM) or its related term are showing as below:
ENVA'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 2 Med: 11.15 Max: 101.35
Current: 18.84
During the past 13 years, the highest PE Ratio (TTM) of Enova International was 101.35. The lowest was 2.00. And the median was 11.15.
ENVA's PE Ratio (TTM) is ranked worse than 62.75% of 408
companies
in the Credit Services industry
Industry Median: 13.215
vs ENVA: 18.84
During the past 12 months, Enova International's average EPS without NRIGrowth Rate was 33.50% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 23.90% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 10.40% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 28.10% per year.
During the past 13 years, Enova International's highest 3-Year average EPS without NRI Growth Rate was 91.70% per year. The lowest was -33.00% per year. And the median was 21.25% per year.
Enova International's EPS (Basic) for the
three
months ended in Jun. 2026 was $4.22.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was $14.29.
Enova International (NYSE:ENVA) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Enova International PE Ratio (TTM) Related Terms
Enova International PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Enova International's PE Ratio (TTM) 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: PE Ratio (TTM) Comparison
For the Credit Services subindustry, Enova International's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Enova International's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Enova International's Share Price of today is $254.14.
Enova International's Earnings per Share (Diluted) 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 $13.49.
* 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:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Enova International (ENVA) has a PE Ratio (TTM) of 18.84 as of Jul. 31, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Enova International and its competitors. This is 69% above median its historical median of 11.15. Over the past decade, Enova International's PE Ratio (TTM) has ranged from 2.00 to 101.35. According to the industry distribution chart, Enova International ranks #256 out of 408 companies in the Credit Services industry, placing it in the top 62.7%.
Is Enova International's PE Ratio (TTM) too high?
Enova International's current PE Ratio (TTM) of 18.84 is 69% above median its 10-year median of 11.15. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 101.35. The Credit Services industry median PE Ratio (TTM) is 13.22. Enova International's value of 18.84 is 42.6% above this industry median. Based on the distribution chart, Enova International ranks #256 out of 408 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 PE Ratio (TTM) compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #256 out of 408 companies for PE Ratio (TTM). This places Enova International in the lower half of its industry. The industry median PE Ratio (TTM) is 13.22. Enova International's value of 18.84 is 42.6% above this benchmark. Historically, Enova International's own PE Ratio (TTM) has ranged from 2.00 to 101.35 over the past decade. While the company's 10-year median is 11.15 vs. the industry median of 13.22, 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 PE Ratio (TTM) for a Credit Services company?
The median PE Ratio (TTM) among Credit Services companies is 13.22, based on 408 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current PE Ratio (TTM) of 18.84 is 42.6% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Enova International and its competitors. For the Credit Services industry, the median PE Ratio (TTM) is 13.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current PE Ratio (TTM) is 18.84, which is 69% above median its own 10-year median of 11.15. 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 $140.79, compared to a current price of $254.14 — trading 80.5% above its estimated fair value. The current PE Ratio (TTM) is 18.84, which is 69% above median its 10-year median of 11.15 and 42.6% above the Credit Services industry median of 13.22. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Enova International (ENVA), the current PE Ratio (TTM) is 18.84 as of Jul. 31, 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 $254.14 is trading 80.5% above its estimated GF Value™ of $140.79.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
PE Ratio (TTM): 18.84 (69% above median its 10-year median of 11.15)
GF Value™: $140.79 vs. price of $254.14 (80.5% above fair value)
Industry Position: 42.6% above the Credit Services median (#256 of 408)
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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PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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