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Enova InternationalSTU:27E -1.77%77 PS Ratio is 1.98 as of Aug. 07, 2026, which is 128% above its 10-year median of 0.87. GuruFocus rates STU:27E with a GF Score™ of 77/100 and a GF Value™ of €122.93 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 524 Credit Services companies, Enova International ranks better than 64.31% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Enova International's share price is €222.00.
Enova International's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was €112.35. Hence, Enova International's PS Ratio for today is 1.98.
Warning Sign:
Enova International Inc stock PS Ratio (=1.96) is close to 10-year high of 1.96.
The historical rank and industry rank for Enova International's PS Ratio or its related term are showing as below:
STU:27E'
s PS Ratio Range Over the Past 10 Years
Min: 0.29 Med: 0.87 Max: 1.96
Current: 1.96
During the past 13 years, Enova International's highest PS Ratio was 1.96. The lowest was 0.29. And the median was 0.87.
STU:27E's PS Ratio is ranked better than 64.31% of 524
companies
in the Credit Services industry
Industry Median: 2.855
vs STU:27E: 1.96
Enova International Inc has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Enova International was 21.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 31.40% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 32.20% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 19.20% per year.
During the past 13 years, Enova International's highest 3-Year average Revenue per Share Growth Rate was 70.20% per year. The lowest was -4.50% per year. And the median was 15.80% per year.
Enova International (STU:27E) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Enova International PS Ratio Related Terms
Enova International PS Ratio Historical Data
* Premium members only.
The historical data trend for Enova International's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's PS Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Enova International's Share Price of today is €222.00. 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 €112.35.
* 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:
Enova International (STU:27E) has a PS Ratio of 1.98 as of Aug. 07, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Enova International and its competitors. This is 128% above median its historical median of 0.87. Over the past decade, Enova International's PS Ratio has ranged from 0.29 to 1.96. According to the industry distribution chart, Enova International ranks #187 out of 524 companies in the Credit Services industry, placing it in the top 35.7%.
Is Enova International's PS Ratio too high?
Enova International's current PS Ratio of 1.98 is 128% above median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.96. The Credit Services industry median PS Ratio is 2.86. Enova International's value of 1.98 is 30.6% below this industry median. Based on the distribution chart, Enova International ranks #187 out of 524 companies in the Credit Services industry, which is above the industry midpoint. Overall, Enova International has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's PS Ratio compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #187 out of 524 companies for PS Ratio. This puts Enova International in the upper half of its industry. The industry median PS Ratio is 2.86. Enova International's value of 1.98 is 30.6% below this benchmark. Historically, Enova International's own PS Ratio has ranged from 0.29 to 1.96 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 2.86, Enova International has consistently been below 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.86, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current PS Ratio of 1.98 is 30.6% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Enova International and its competitors. For the Credit Services industry, the median PS Ratio is 2.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current PS Ratio is 1.98, which is 128% above median its own 10-year median of 0.87. 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 (STU:27E) is currently considered Significantly Overvalued. The stock's GF Value™ is €122.93, compared to a current price of €222.00 — trading 80.6% above its estimated fair value. The current PS Ratio is 1.98, which is 128% above median its 10-year median of 0.87 and 30.6% below the Credit Services industry median of 2.86. Enova International's overall GF Score™ is 77/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Enova International (STU:27E), the current PS Ratio is 1.98 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 (STU:27E) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of €222.00 is trading 80.6% above its estimated GF Value™ of €122.93.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for STU:27E:
PS Ratio: 1.98 (128% above median its 10-year median of 0.87)
GF Value™: €122.93 vs. price of €222.00 (80.6% above fair value)
Industry Position: 30.6% below the Credit Services median (#187 of 524)
No single metric tells the full story. See the STU: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.
77GF Score
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