ENVA (Enova International) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

ENVA Enova International Inc ENVA
75 GF Score
Price $255.96
GF Value $141.63
Valuation Significantly Overvalued
! 11 Warning Signs
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What is Enova International Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Enova International is: Moderate Risk: Sensitive, better choose undervalued stock.

Enova International  (NYSE:ENVA) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Enova International Risk Assessment Related Terms

ENVA vs CACC, KLAR, SEZL: Risk Assessment Comparison

For the Credit Services subindustry, Enova International's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Enova International's Risk Assessment falls into.


ENVA
75GF Score
Enova International Inc ENVA
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Enova International (ENVA) Overvalued in 2026?

Based on GuruFocus' analysis, Enova International stock appears to be overvalued. The current stock price of $255.96 is trading 80.7% above its estimated GF Value™ of $141.63. GuruFocus considers Enova International to be Significantly Overvalued.

Key valuation signals for ENVA:

  • Risk Assessment:
  • GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
  • GF Score™: 75/100 with 11 warning signs

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 Business Description

Other Exchanges 27E:Germany
Address 175 West Jackson Boulevard, Suite 600, Chicago, IL, USA, 60604
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 ENVA

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$255.96
Price
$141.63
GF Value