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Enova InternationalFRA:27E +1.80%75 ROA % is 5.97% as of Jun. 2026, which is 25% above its 10-year median of 4.76. 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 548 Credit Services companies, Enova International ranks better than 82.85% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Enova International's annualizedNet Income for the quarter that ended in Jun. 2026 was €365 Mil.
Enova International's average Total Assets over the quarter that ended in Jun. 2026 was €6,109 Mil. Therefore, Enova International's annualized ROA % for the quarter that ended in Jun. 2026 was 5.97%.
The historical rank and industry rank for Enova International's ROA % or its related term are showing as below:
FRA:27E'
s ROA % Range Over the Past 10 Years
Min: 2.52 Med: 4.76 Max: 20.52
Current: 5.51
During the past 13 years, Enova International's highest ROA % was 20.52%. The lowest was 2.52%. And the median was 4.76%.
FRA:27E's ROA % is ranked better than 82.85% of 548
companies
in the Credit Services industry
Industry Median: 1.965
vs FRA:27E: 5.51
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Enova International ROA % Related Terms
Enova International ROA % Historical Data
* Premium members only.
The historical data trend for Enova International's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's ROA % distribution charts can be found below:
* The bar in red indicates where Enova International's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Enova International (FRA:27E) has a ROA % of 5.97% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Enova International and its competitors. This is 25% above median its historical median of 4.76. Over the past decade, Enova International's ROA % has ranged from 2.52 to 20.52. According to the industry distribution chart, Enova International ranks #94 out of 548 companies in the Credit Services industry, placing it in the top 17.2%.
Is Enova International's ROA % too high?
Enova International's current ROA % of 5.97% is 25% above median its 10-year median of 4.76. Over the past 10 years, this metric has ranged from a low of 2.52 to a high of 20.52. The Credit Services industry median ROA % is 1.97. Enova International's value of 5.97% is 203.8% above this industry median. Based on the distribution chart, Enova International ranks #94 out of 548 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 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's ROA % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #94 out of 548 companies for ROA %. This places Enova International in the top 17% of its industry — outperforming the majority of peers. The industry median ROA % is 1.97. Enova International's value of 5.97% is 203.8% above this benchmark. Historically, Enova International's own ROA % has ranged from 2.52 to 20.52 over the past decade. While the company's 10-year median is 4.76 vs. the industry median of 1.97, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.97, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current ROA % of 5.97% is 203.8% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Enova International and its competitors. For the Credit Services industry, the median ROA % is 1.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current ROA % is 5.97%, which is 25% above median its own 10-year median of 4.76. 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 ROA % is 5.97%, which is 25% above median its 10-year median of 4.76 and 203.8% above the Credit Services industry median of 1.97. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Enova International (FRA:27E), the current ROA % is 5.97% 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 (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:
ROA %: 5.97% (25% above median its 10-year median of 4.76)
GF Value™: €119.54 vs. price of €226.00 (89.1% above fair value)
Industry Position: 203.8% above the Credit Services median (#94 of 548)
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
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