Enova International, Inc. (ENVA) P/E Ratio History
Historical price-to-earnings valuation from 2014 to 2025
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Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of March 1, 2026, Enova International, Inc. (ENVA) trades at a price-to-earnings ratio of 12.0x, with a stock price of $139.05 and trailing twelve-month earnings per share of $11.70.
The current P/E is 45% above its 5-year average of 8.3x. 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 85th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, ENVA is roughly in line with its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
Relative to the broader market, ENVA trades at a notable discount to the S&P 500 median P/E of 26.2x. 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.
Peer Comparison
P/E metrics vs. Consumer Credit Issuers and Installment Lenders peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
COFCapital One Financial Corporation | $124B | 16.9 | - | -3% |
SYFSynchrony Financial | $25B | 8.1 | 0.90 | +65%Best |
SYF-PBSynchrony Financial | $9B | 3.1 | 0.34 | +65%Best |
OMFOneMain Holdings, Inc. | $7B | 8.4 | 2.13 | +55% |
ENVAEnova International, Inc. | $3B | 12.0 | - | +56% |
FINVFinVolution Group | $3B | 4.3 | 1.25 | +8% |
BFHBread Financial Holdings, Inc. | $3B | 12.9 | - | -62% |
LULufax Holding Ltd | $2B | 5.8 | - | -90% |
XYFX Financial | $1B | 0.2Lowest | 0.00Best | +29% |
ATLCAtlanticus Holdings Corporation | $791M | 11.0 | 0.47 | +13% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $157.20 | $11.58 | 13.6x | +21% |
| FY2025 Q3 | $115.09 | $10.88 | 10.6x | -6% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $111.52 | $9.42 | 11.8x | +5% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $96.56 | $8.49 | 11.4x | +1% |
| FY2024 Q4 | $95.88 | $7.44 | 12.9x | +14% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $83.79 | $6.27 | 13.4x | +19% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $62.25 | $5.99 | 10.4x | -8% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $62.83 | $5.56 | 11.3x | +0% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $55.36 | $5.48 | 10.1x | -10% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $50.87 | $5.91 | 8.6x | -24% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $53.12 | $6.19 | 8.6x | -24% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $44.43 | $6.25 | 7.1x | -37% |
Average P/E for displayed period: 11.3x
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Start ComparisonFrequently Asked Questions
Is ENVA stock overvalued or undervalued?
ENVA trades at 12.0x P/E, above its 5-year average of 8.3x. The 85th percentile ranking indicates a premium to historical valuation.
How does ENVA's valuation compare to peers?
Enova International, Inc. P/E of 12.0x compares to sector median of 13.8x. The discount suggests lower growth expectations or higher risk.
What is ENVA's PEG ratio?
ENVA PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2014-2025.