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Enova InternationalSTU:27E -1.77%77 Return-on-Tangible-Equity is 36.04% as of Jun. 2026, which is 6% above its 10-year median of 34.02. 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 527 Credit Services companies, Enova International ranks better than 91.65% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Enova International's annualized net income for the quarter that ended in Jun. 2026 was €365 Mil. Enova International's average shareholder tangible equity for the quarter that ended in Jun. 2026 was €1,012 Mil. Therefore, Enova International's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 36.04%.
The historical rank and industry rank for Enova International's Return-on-Tangible-Equity or its related term are showing as below:
STU:27E'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 19.23 Med: 34.02 Max: 159.59
Current: 33.34
During the past 13 years, Enova International's highest Return-on-Tangible-Equity was 159.59%. The lowest was 19.23%. And the median was 34.02%.
STU:27E's Return-on-Tangible-Equity is ranked better than 91.65% of 527
companies
in the Credit Services industry
Industry Median: 7.06
vs STU:27E: 33.34
Enova International (STU:27E) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Enova International Return-on-Tangible-Equity Related Terms
Enova International Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Enova International's Return-on-Tangible-Equity 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.
Enova International Return-on-Tangible-Equity Chart
STU:27E vs CACC, KLAR, SEZL: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Enova International's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Enova International's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 36.04% mean?
Enova International (STU:27E) has a Return-on-Tangible-Equity of 36.04% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Enova International and its competitors. This is near median its historical median of 34.02. Over the past decade, Enova International's Return-on-Tangible-Equity has ranged from 19.23 to 159.59. According to the industry distribution chart, Enova International ranks #44 out of 527 companies in the Credit Services industry, placing it in the top 8.3%.
Is Enova International's Return-on-Tangible-Equity too high?
Enova International's current Return-on-Tangible-Equity of 36.04% is near median its 10-year median of 34.02. Over the past 10 years, this metric has ranged from a low of 19.23 to a high of 159.59. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Enova International's value of 36.04% is 410.5% above this industry median. Based on the distribution chart, Enova International ranks #44 out of 527 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 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Return-on-Tangible-Equity compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #44 out of 527 companies for Return-on-Tangible-Equity. This places Enova International in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.06. Enova International's value of 36.04% is 410.5% above this benchmark. Historically, Enova International's own Return-on-Tangible-Equity has ranged from 19.23 to 159.59 over the past decade. While the company's 10-year median is 34.02 vs. the industry median of 7.06, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Return-on-Tangible-Equity of 36.04% is 410.5% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Enova International and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Return-on-Tangible-Equity is 36.04%, which is near median its own 10-year median of 34.02. 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 Return-on-Tangible-Equity is 36.04%, which is near median its 10-year median of 34.02 and 410.5% above the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Enova International (STU:27E), the current Return-on-Tangible-Equity is 36.04% 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 (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:
Return-on-Tangible-Equity: 36.04% (near median its 10-year median of 34.02)
GF Value™: €122.93 vs. price of €222.00 (80.6% above fair value)
Industry Position: 410.5% above the Credit Services median (#44 of 527)
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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