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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Enova International's 5-Year RORE % for the quarter that ended in Jun. 2026 was 19.04%.
The industry rank for Enova International's 5-Year RORE % or its related term are showing as below:
ENVA's 5-Year RORE % is ranked better than 67.83% of 488
companies
in the Credit Services industry
Industry Median: 8.19
vs ENVA: 19.04
Enova International (NYSE:ENVA) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Enova International 5-Year RORE % Related Terms
Enova International 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Enova International's 5-Year RORE % 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: 5-Year RORE % Comparison
For the Credit Services subindustry, Enova International's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Enova International's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2026 and 5-year before.
Enova International (ENVA) has a 5-Year RORE % of 19.04 as of Jun. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Enova International and its competitors. According to the industry distribution chart, Enova International ranks #157 out of 488 companies in the Credit Services industry, placing it in the top 32.2%.
Is Enova International's 5-Year RORE % too high?
Enova International's current 5-Year RORE % is 19.04. The Credit Services industry median 5-Year RORE % is 8.19. Enova International's value of 19.04 is 132.5% above this industry median. Based on the distribution chart, Enova International ranks #157 out of 488 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 5-Year RORE % compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #157 out of 488 companies for 5-Year RORE %. This puts Enova International in the upper half of its industry. The industry median 5-Year RORE % is 8.19. Enova International's value of 19.04 is 132.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Credit Services company?
The median 5-Year RORE % among Credit Services companies is 8.19, based on 488 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current 5-Year RORE % of 19.04 is 132.5% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Enova International and its competitors. For the Credit Services industry, the median 5-Year RORE % is 8.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current 5-Year RORE % is 19.04. 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 5-Year RORE % is 19.04 and 132.5% above the Credit Services industry median of 8.19. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Enova International (ENVA), the current 5-Year RORE % is 19.04 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 (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:
5-Year RORE %: 19.04
GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
Industry Position: 132.5% above the Credit Services median (#157 of 488)
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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5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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