Enova International, Inc. (ENVA) P/E Ratio History
Historical price-to-earnings valuation from 2014 to 2026
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ENVA Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 7, 2026, Enova International, Inc. (ENVA) trades at a price-to-earnings ratio of 14.9x, with a stock price of $172.57 and trailing twelve-month earnings per share of $12.39.
The current P/E is 71% 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 13.4x, ENVA is roughly in line with its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, ENVA trades at a notable discount to the S&P 500 median P/E of 25.2x. 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.
ENVA P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $751M | 9.1 | 0.26 | +24% | |
| $329M | 7.9Lowest | 0.60 | +7% | |
| $2B | 12.2 | 0.84 | +12% | |
| $266M | 11.0 | - | +127%Best | |
| $1B | 13.1 | 1.52 | +25% | |
| $6B | 14.4 | 1.46 | +89% | |
| $30B | 8.9 | 0.25Best | +18% | |
| $24B | 61.3 | 2.51 | -47% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
ENVA Historical P/E Data (2014–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | $135.83 | $12.35 | 11.0x | -2% | |
| 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 | +15% | |
| 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% |
Average P/E for displayed period: 11.3x
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Start ComparisonENVA — Frequently Asked Questions
Quick answers to the most common questions about buying ENVA stock.
Is ENVA stock overvalued or undervalued?
ENVA trades at 14.9x P/E, above its 5-year average of 8.7x. The 100th percentile ranking indicates a premium to historical valuation.
How does ENVA's valuation compare to peers?
Enova International, Inc. P/E of 14.9x compares to sector median of 13.4x. The premium reflects expected growth above peers.
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 2014-2026.