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Enova InternationalENVA -2.68%75 3-Year ROIIC % is 4.14 as of Dec. 2025, which is 8% above its 10-year median of 3.84. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $141.63 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 394 Credit Services companies, Enova International ranks better than 56.6% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Enova International's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 4.14%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Enova International's 3-Year ROIIC % or its related term are showing as below:
ENVA's 3-Year ROIIC % is ranked better than 56.6% of 394
companies
in the Credit Services industry
Industry Median: 2.875
vs ENVA: 4.14
Enova International (NYSE:ENVA) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Enova International 3-Year ROIIC % Related Terms
Enova International 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Enova International's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Enova International's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Enova International's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Enova International (ENVA) has a 3-Year ROIIC % of 4.14 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Enova International and its competitors. This is near median its historical median of 3.84. According to the industry distribution chart, Enova International ranks #171 out of 394 companies in the Credit Services industry, placing it in the top 43.4%.
Is Enova International's 3-Year ROIIC % too high?
Enova International's current 3-Year ROIIC % of 4.14 is near median its 10-year median of 3.84. The Credit Services industry median 3-Year ROIIC % is 2.88. Enova International's value of 4.14 is 44% above this industry median. Based on the distribution chart, Enova International ranks #171 out of 394 companies in the Credit Services industry, which is above 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 3-Year ROIIC % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #171 out of 394 companies for 3-Year ROIIC %. This puts Enova International in the upper half of its industry. The industry median 3-Year ROIIC % is 2.88. Enova International's value of 4.14 is 44% above this benchmark. While the company's 10-year median is 3.84 vs. the industry median of 2.88, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.88, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current 3-Year ROIIC % of 4.14 is 44% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Enova International and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current 3-Year ROIIC % is 4.14, which is near median its own 10-year median of 3.84. 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 $141.63, compared to a current price of $255.96 — trading 80.7% above its estimated fair value. The current 3-Year ROIIC % is 4.14, which is near median its 10-year median of 3.84 and 44% above the Credit Services industry median of 2.88. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Enova International (ENVA), the current 3-Year ROIIC % is 4.14 as of Dec. 2025. 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 $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:
3-Year ROIIC %: 4.14 (near median its 10-year median of 3.84)
GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
Industry Position: 44% above the Credit Services median (#171 of 394)
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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