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Enova International (FRA:27E) Shiller PE Ratio : 17.22 (As of Apr. 25, 2025)


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What is Enova International Shiller PE Ratio?

As of today (2025-04-25), Enova International's current share price is €83.00. Enova International's E10 for the quarter that ended in Dec. 2024 was €4.82. Enova International's Shiller PE Ratio for today is 17.22.

The historical rank and industry rank for Enova International's Shiller PE Ratio or its related term are showing as below:

FRA:27E' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.34   Med: 11.94   Max: 23.25
Current: 19.78

During the past years, Enova International's highest Shiller PE Ratio was 23.25. The lowest was 7.34. And the median was 11.94.

FRA:27E's Shiller PE Ratio is ranked worse than
61.16% of 327 companies
in the Credit Services industry
Industry Median: 14.16 vs FRA:27E: 19.78

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Enova International's adjusted earnings per share data for the three months ended in Dec. 2024 was €2.197. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €4.82 for the trailing ten years ended in Dec. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Enova International Shiller PE Ratio Historical Data

The historical data trend for Enova International's Shiller PE Ratio 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.

* Premium members only.

Enova International Shiller PE Ratio Chart

Enova International Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 11.92 9.34 12.25 19.39

Enova International Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.25 13.65 13.24 17.45 19.39

Competitive Comparison of Enova International's Shiller PE Ratio

For the Credit Services subindustry, Enova International's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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's Shiller PE Ratio Distribution in the Credit Services Industry

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

* The bar in red indicates where Enova International's Shiller PE Ratio falls into.


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Enova International Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Enova International's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=83.00/4.82
=17.22

* 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's E10 for the quarter that ended in Dec. 2024 is calculated as:

For example, Enova International's adjusted earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=2.197/133.1571*133.1571
=2.197

Current CPI (Dec. 2024) = 133.1571.

Enova International Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201503 0.684 99.621 0.914
201506 0.294 100.684 0.389
201509 0.116 100.392 0.154
201512 0.119 99.792 0.159
201603 0.269 100.470 0.357
201606 0.223 101.688 0.292
201609 0.205 101.861 0.268
201612 0.246 101.863 0.322
201703 0.383 102.862 0.496
201706 0.312 103.349 0.402
201709 -0.084 104.136 -0.107
201712 0.169 104.011 0.216
201803 0.657 105.290 0.831
201806 0.445 106.317 0.557
201809 0.369 106.507 0.461
201812 0.220 105.998 0.276
201903 0.903 107.251 1.121
201906 0.646 108.070 0.796
201909 0.708 108.329 0.870
201912 -1.359 108.420 -1.669
202003 0.154 108.902 0.188
202006 1.403 108.767 1.718
202009 2.623 109.815 3.181
202012 5.318 109.897 6.444
202103 1.705 111.754 2.032
202106 1.743 114.631 2.025
202109 1.156 115.734 1.330
202112 1.151 117.630 1.303
202203 1.362 121.301 1.495
202206 1.476 125.017 1.572
202209 1.586 125.227 1.686
202212 1.473 125.222 1.566
202303 1.457 127.348 1.523
202306 1.385 128.729 1.433
202309 1.209 129.860 1.240
202312 1.036 129.419 1.066
202403 1.509 131.776 1.525
202406 1.793 132.554 1.801
202409 1.415 133.029 1.416
202412 2.197 133.157 2.197

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Enova International  (FRA:27E) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Enova International Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Enova International's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Enova International Business Description

Traded in Other Exchanges
Address
175 West Jackson Boulevard, Suite 1000, 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 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.

Enova International Headlines

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