SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Enova International, Inc. (ENVA) trades at a trailing P/E of 11.7, forward P/E of 9.7. Trailing earnings yield is 8.52%, forward earnings yield 10.29%. PEG 0.21 (Peter Lynch undervalued ≤1.0). Graham Number is $123.01.
Criteria proven by this page:
- VALUE (84/100, Pass) — P/E is below market average (11.7); PEG ≤ 1.0 — Peter Lynch undervalued (0.21); analyst target implies upside (+25.5%); earnings yield beats bond yields (8.52%).
- Forward P/E 9.7 (down from trailing 11.7) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.21 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.52% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.29% as earnings recover.
- Analyst consensus target $193.00 (+25.5% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 68/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
84/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — ENVA
Valuation Multiples
P/E (TTM)11.7
Forward P/E9.7
PEG Ratio0.21
Forward PEG0.26
P/B Ratio2.71
P/S Ratio1.16
EV/EBITDA15.4
Per Share Data
EPS (TTM)$12.46
Forward EPS (Est.)$15.83
Book Value / Share$53.99
Revenue / Share$127.30
FCF / Share$71.57
Yields & Fair Value
Earnings Yield8.52%
Forward Earnings Yield10.29%
Dividend Yield0.00%
Graham Number$123.01
SharesGrow IV$171.16 (+11.3%)
Analyst Target$193.00 (+25.5%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
12.0 |
-0.55 |
1.72 |
0.56 |
- |
| 2017 |
17.4 |
-1.07 |
1.81 |
0.70 |
- |
| 2018 |
9.4 |
0.07 |
1.90 |
0.68 |
- |
| 2019 |
22.2 |
0.26 |
2.15 |
0.69 |
- |
| 2020 |
2.1 |
0.01 |
0.86 |
0.73 |
- |
| 2021 |
5.8 |
-0.14 |
1.36 |
1.23 |
- |
| 2022 |
6.0 |
-0.67 |
1.04 |
0.71 |
- |
| 2023 |
9.7 |
-0.88 |
1.37 |
0.80 |
- |
| 2024 |
12.3 |
0.34 |
2.16 |
0.97 |
- |
| 2025 |
12.6 |
0.22 |
2.91 |
1.23 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.03 |
$745.57M |
$34.6M |
4.6% |
| 2017 |
$0.86 |
$843.74M |
$29.24M |
3.5% |
| 2018 |
$1.99 |
$1.11B |
$70.1M |
6.3% |
| 2019 |
$3.72 |
$1.17B |
$128.02M |
10.9% |
| 2020 |
$11.70 |
$1.08B |
$377.84M |
34.9% |
| 2021 |
$6.79 |
$1.21B |
$256.3M |
21.2% |
| 2022 |
$6.19 |
$1.74B |
$207.42M |
11.9% |
| 2023 |
$5.49 |
$2.12B |
$175.12M |
8.3% |
| 2024 |
$7.43 |
$2.66B |
$209.45M |
7.9% |
| 2025 |
$11.58 |
$3.15B |
$308.39M |
9.8% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$15.82 |
$15.79 – $15.85 |
$3.65B |
$3.6B – $3.76B |
4 |
| 2027 |
$18.77 |
$18.43 – $19.48 |
$4.24B |
$4.18B – $4.36B |
2 |
| 2028 |
$24.63 |
$24.19 – $25.56 |
$5.44B |
$5.36B – $5.6B |
1 |
