Stock fact sheet · data as of
Enova International, Inc. (ENVA): fair value, margin of safety and Wheel Score
Ticker symbol ENVA · Financial Services · Financial - Credit Services · United States · Growth
Is ENVA undervalued?
At 181.18 (close of 5 Nov 2026), ENVA trades 75% below the GLS average fair value of 713.58. That average comes from 8 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Enova International, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 8 models disagree widely: Graham Number gives 147.70 while 10 Cap gives 1,714.55. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, ENVA is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 60, growth score 81, out of 100).
Nine valuation models for ENVA
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 169.95 | -6% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 147.70 | -18% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 732.91 | +305% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 309.44 | +71% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 941.23 | +420% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 1,714.55 | +846% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 1,522.00 | +740% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 170.83 | -6% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -206.87 | -214% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 254.60 | +41% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - ENVA passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 8.2 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are moderate - ROIC 5.2%, ROE 23.1%, ROA 4.8% - with debt at 3.41 times equity and a free-cash-flow yield of 45.3%. Debt of 3.41 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
Enova International, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 5.2% |
|---|---|---|---|
| GLS Moat | 8.2 / 10 | ROE | 23.1% |
| Debt / equity | 3.41 | ROA | 4.8% |
| Free-cash-flow yield | 45.3% | Payout ratio | 0% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 79: Good
ENVA scores 79 out of 100 on the Wheel Score (Good band, 70-84): it passes all 9 Wheel Trade Filters. How it ranks: value strong, premium strong, moat strong, health good, red flags fair, option trading weak, stability fair; Option trading (weak) holds it back.
Implied volatility is 41% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 1,315 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 314k shares a day on a market cap of $4.4B, with a beta of 1.37 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 75% below fair value | |
| Premium | Strong | implied volatility 41% | |
| Moat | Strong | moat 8.2/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | Red Flags score 70/100 | |
| Option trading | Weak | 358 contracts a day, 1,315 open interest | |
| Stability | Fair | beta 1.37, $4.4B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 26 Jan 2027, 82 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to Enova International, Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| NNI Nelnet, Inc. | 127.58 | 171.16 | +25% | 42Weak | $4.6B |
| JSM Navient Corporation SR NT 6% 121543 | 15.59 | 45.78 | +66% | 29No options | $4.3B |
| SEZL Sezzle Inc. | 136.69 | 219.84 | +38% | 41Weak | $4.6B |
| BFH Bread Financial Holdings, Inc. | 104.83 | 428.64 | +76% | 85Prime | $4.0B |
| CACC Credit Acceptance Corporation | 498.68 | 965.03 | +48% | 50Fair | $5.1B |
| KLAR Klarna Group plc | 13.89 | 8.37 | -66% | 31Weak | $5.2B |
| SLM SLM Corporation | 18.68 | 83.62 | +78% | 80Good | $3.5B |
| SLMBP SLM Corporation | 70.99 | 236.36 | +70% | 38No options | $6.4B |
| OMF OneMain Holdings, Inc. | 57.97 | 207.52 | +72% | 82Good | $6.6B |
| LU Lufax Holding Ltd | 8.51 | 43.72 | +81% | 39Weak | $7.4B |
| FCFS FirstCash Holdings, Inc | 193.34 | 232.88 | +17% | 77Good | $8.3B |
| UPST Upstart Holdings, Inc. | 23.38 | 22.86 | -2% | 29Weak | $2.3B |
⚖ Compare ENVA with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ENVA
Is ENVA undervalued right now?
By the GLS models, yes: at 181.18 the stock is 75% below the average fair value of 713.58 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of ENVA and what does it mean?
ENVA scores 79 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for ENVA?
713.58 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Enova International, Inc. report earnings next?
The next earnings report is due on 26 Jan 2027, 82 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does ENVA have listed options, and how liquid are they?
Yes. The nightly snapshot found 92 listed contracts with 1,315 open interest across all expiries and implied volatility of 41% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.