AlphaStocks
7.1
Consider Buy

Enova International, Inc. (ENVA)

As of Sep 20, 2026, Enova International, Inc. (ENVA) scores 7.1/10 on AlphaStocks' five-model composite, #42 of 265 Financials stocks. At $175, ENVA trades 29% below its model fair value of $247.

Financials / Consumer Finance

S&P SmallCap 600

$174.61

Above average across most dimensions. A solid candidate.

Consider Buy

Score based on 5 of 5 models — high confidence

Data as of Sep 20, 2026

#42out of 265 in Financials

Is Enova International, Inc. a Good Investment in 2026?

Enova International, Inc. (ENVA) scores 7.1 out of 10 on AlphaStocks' composite model, earning a Consider Buy rating. The Piotroski model rates Enova International, Inc. as Strong (8/8). However, the Lynch model rates it Caution — PEG 1.6 · Stalwart. Enova International, Inc. currently trades 29% below its estimated fair value of $247. Enova International, Inc. ranks #42 out of 265 stocks in the Financials sector.

This summary is algorithmically generated and is not financial advice.

Key Metrics

P/E15.2ROE23.5Market Cap5B

Estimated Fair Value

$246.8629% below

Trading below estimated fair value. EPS grew 55% year-over-year. ROE of 24% signals strong profitability. P/E of 15x is moderate for this quality level.

Model-based estimate, not a price target.

5-Model Analysis

Each model evaluates this stock from a different angle. Combined, they form the composite score above.

Piotroski

Strong

8/8

Buffett

Attractive

Business quality & competitive moat

Graham

Neutral

Significantly above fair value

Lynch

Caution

PEG 1.6 · Stalwart

Greenblatt

Neutral

Earnings yield 6.8% · ROC 12%

Frequently Asked Questions

Is Enova International, Inc. (ENVA) a good investment?
As of Sep 20, 2026, Enova International, Inc. (ENVA) scores 7.1/10 on AlphaStocks' five-model composite, #42 of 265 Financials stocks. At $175, ENVA trades 29% below its model fair value of $247. That score is above average across most investment dimensions.
What is Enova International, Inc.'s Piotroski F-Score?
Enova International, Inc.'s Piotroski F-Score status is Strong. The raw score is 8/8. The Piotroski F-Score evaluates financial health using 9 fundamental signals including profitability, leverage, and operating efficiency.
Is ENVA overvalued or undervalued?
Based on AlphaStocks' model-based fair value estimate of $247, ENVA appears undervalued. The stock currently trades 29% below its estimated fair value. Trading below estimated fair value. EPS grew 55% year-over-year. ROE of 24% signals strong profitability. P/E of 15x is moderate for this quality level.
How does ENVA compare to other Financials stocks?
Enova International, Inc. ranks #42 out of 265 stocks in the Financials sector, placing it in the top 16% of its sector by composite score. This is a strong position relative to sector peers.
What do investment models say about ENVA?
AlphaStocks evaluates ENVA using five proven investment models. Piotroski: Strong; Buffett: Attractive; Graham: Neutral; Lynch: Caution; Greenblatt Magic Formula: Neutral. These models are combined into a single composite score of 7.1/10.

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Scores are algorithm-generated research tools, not investment recommendations. Past performance does not guarantee future results. Always do your own due diligence. Full disclaimer