Enova International, Inc. (ENVA) P/E Ratio History
ExpensiveTrading at 17.5x vs 5Y avg 8.7x · 100th percentile · Material premium to history · Data 2014–2026
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P/E Ratio Analysis
As of June 22, 2026, Enova International, Inc. (ENVA) trades at a price-to-earnings ratio of 17.5x, with a stock price of $202.55 and trailing twelve-month earnings per share of $12.39.
The current P/E is 101% above its 5-year average of 8.7x. Over the past five years, ENVA's P/E has ranged from a low of 2.5x to a high of 13.6x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, ENVA trades at a 29% premium to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
Relative to the broader market, ENVA trades at a notable discount to the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our ENVA DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
ENVA Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
ENVA P/E vs Peers
Consumer Credit Issuers and Installment Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $897M | 10.9 | 0.31 | +24% | |
| $350M | 8.4 | 0.64 | +7% | |
| $2B | 12.6 | 0.86 | +12% | |
| $236M | 9.7 | - | +127%Best | |
| $2B | 16.8 | 1.96 | +25% | |
| $6B | 15.4 | 1.57 | +89% | |
| $26B | 7.5Lowest | 0.21Best | +18% | |
| $20B | 50.9 | 2.09 | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
ENVA Historical P/E Data (2014–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $135.83 | $12.35 | 11.0x | -2% |
| FY2025 Q4 | Dec 31 2025 | $157.20 | $11.58 | 13.6x | +21% |
| FY2025 Q3 | - | $115.09 | $10.88 | 10.6x | -6% |
| FY2025 Q2 | Jun 30 2025 | $111.52 | $9.42 | 11.8x | +5% |
| FY2025 Q1 | Mar 31 2025 | $96.56 | $8.49 | 11.4x | +1% |
| FY2024 Q4 | - | $95.88 | $7.44 | 12.9x | +15% |
| FY2024 Q3 | Sep 30 2024 | $83.79 | $6.27 | 13.4x | +19% |
| FY2024 Q2 | Jun 30 2024 | $62.25 | $5.99 | 10.4x | -8% |
| FY2024 Q1 | Mar 31 2024 | $62.83 | $5.56 | 11.3x | +0% |
| FY2023 Q4 | Dec 31 2023 | $55.36 | $5.48 | 10.1x | -10% |
| FY2023 Q3 | Sep 30 2023 | $50.87 | $5.91 | 8.6x | -24% |
| FY2023 Q2 | Jun 30 2023 | $53.12 | $6.19 | 8.6x | -24% |
| FY2023 Q1 | Mar 31 2023 | $44.43 | $6.25 | 7.1x | -37% |
| FY2022 Q4 | Dec 31 2022 | $38.37 | $6.19 | 6.2x | -45% |
| FY2022 Q3 | Sep 30 2022 | $29.27 | $5.93 | 4.9x | -56% |
| FY2022 Q2 | - | $28.82 | $5.72 | 5.0x | -55% |
| FY2022 Q1 | - | $37.97 | $6.26 | 6.1x | -46% |
| FY2021 Q4 | Dec 31 2021 | $40.96 | $6.79 | 6.0x | -46% |
| FY2021 Q3 | - | $34.55 | $11.96 | 2.9x | -74% |
| FY2021 Q2 | Jun 30 2021 | $34.21 | $13.69 | 2.5x | -78% |
| FY2021 Q1 | Mar 31 2021 | $35.48 | $13.17 | 2.7x | -76% |
| FY2020 Q4 | - | $24.77 | $11.31 | 2.2x | -81% |
| FY2020 Q3 | Sep 30 2020 | $16.39 | $3.36 | 4.9x | -57% |
| FY2020 Q2 | - | $14.87 | $1.05 | 14.2x | +26% |
| FY2020 Q1 | - | $14.49 | $0.20 | 72.5x | +544% |
| FY2019 Q4 | - | $24.06 | $1.05 | 22.9x | +104% |
| FY2019 Q3 | Sep 30 2019 | $20.75 | $2.78 | 7.5x | -34% |
| FY2019 Q2 | Jun 30 2019 | $23.05 | $2.43 | 9.5x | -16% |
| FY2019 Q1 | Mar 31 2019 | $22.82 | $2.22 | 10.3x | -9% |
| FY2018 Q4 | Dec 31 2018 | $19.46 | $2.01 | 9.7x | -14% |
| FY2018 Q3 | Sep 30 2018 | $28.80 | $1.96 | 14.7x | +31% |
| FY2018 Q2 | Jun 30 2018 | $36.55 | $1.43 | 25.6x | +127% |
| FY2018 Q1 | Mar 31 2018 | $22.05 | $1.26 | 17.5x | +56% |
| FY2017 Q4 | Dec 31 2017 | $15.20 | $0.86 | 17.7x | +57% |
| FY2017 Q3 | Sep 30 2017 | $13.45 | $0.92 | 14.6x | +30% |
| FY2017 Q2 | Jun 30 2017 | $14.85 | $1.25 | 11.9x | +6% |
| FY2017 Q1 | Mar 31 2017 | $14.85 | $1.15 | 12.9x | +15% |
| FY2016 Q4 | Dec 31 2016 | $12.55 | $1.04 | 12.1x | +7% |
| FY2016 Q3 | Sep 30 2016 | $9.68 | $0.91 | 10.6x | -5% |
| FY2016 Q2 | - | $7.36 | $0.81 | 9.1x | -19% |
| FY2016 Q1 | - | $6.31 | $0.89 | 7.1x | -37% |
| FY2015 Q4 | - | $6.61 | $1.33 | 5.0x | -56% |
| FY2015 Q3 | Sep 30 2015 | $10.22 | $1.88 | 5.4x | -52% |
| FY2015 Q2 | - | $18.68 | $2.31 | 8.1x | -28% |
| FY2015 Q1 | - | $19.69 | $2.91 | 6.8x | -40% |
| FY2014 Q4 | Dec 31 2014 | $22.26 | $2.77 | 8.0x | -29% |
Average P/E for displayed period: 11.3x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
12+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
ENVA — Frequently Asked Questions
Quick answers to the most common questions about buying ENVA stock.
What is ENVA's P/E ratio?
Enova International, Inc. (ENVA) trailing twelve-month P/E ratio is 17.5x, based on TTM diluted EPS of $12.39. The 5-year average P/E is 8.7x and the historical range spans 2.5x to 13.6x.
Is ENVA stock overvalued or undervalued?
ENVA trades at 17.5x P/E, above its 5-year average of 8.7x. The 100th percentile ranking within the 2.5x–13.6x historical range indicates a premium to historical valuation.
Is ENVA stock expensive?
Yes, ENVA is expensive relative to its own history. The current P/E of 17.5x is above the 5-year average of 8.7x and also above the Financial Services sector median of 13.6x. The stock sits at the 100th percentile of its 5-year valuation range.
What is ENVA's historical P/E range?
Over the past 5 years, ENVA's P/E ratio has ranged from 2.5x to 13.6x, with a median of 10.1x and an average of 8.7x. The current P/E of 17.5x places the stock at the 100th percentile of this range. Full historical data spans 2014–2026.
How does ENVA's P/E compare to the S&P 500?
ENVA trades at 17.5x P/E versus the S&P 500 median of 24.4x. The 28% discount to the market suggests lower growth expectations or perceived higher risk.
How does ENVA's valuation compare to Financial Services peers?
Enova International, Inc. P/E of 17.5x compares to the Financial Services sector median of 13.6x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is ENVA's PEG ratio?
ENVA PEG ratio is N/A, based on a P/E of 17.5x and EPS growth of 55.9%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is ENVA's earnings yield?
ENVA earnings yield is 5.72%, the inverse of its 17.5x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.