ENVA (Enova International) SpecialCharges

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 SpecialCharges?

Special Charges only applies to banks.

ENVA
75GF Score
Enova International Inc ENVA
SpecialCharges is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • SpecialCharges:
  • 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

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

$255.96
Price
$141.63
GF Value