ENVA
Enova International
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: ENVA
- PE Ratio
As of Jul 25, 2026, the Enova International stock's PE ratio is 16.62. This takes into account the latest EPS of $14.28 and stock price of $237.27. The PE ratio has an increase of 33% from its last 4 quarters average of 12.5.
ENVA PE ratio history
The PE ratio of Enova International has averaged 11.66 over the last ten years. The current price-to-earnings ratio of 16.62 is 43% more than the historical average. Analyzing the last ten years, ENVA's PE ratio reached its highest point in the Mar 2020 quarter at 65.86, when the price was $14.49 and the EPS was $0.22. The lowest point was recorded in the Dec 2020 quarter, when it reached 2.09 with a price of $24.77 and an EPS of $11.85.
Enova International PE ratio by year
Maximum annual increase: 177.99% in 2021
Maximum annual decrease: -90.53% in 2020
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 12.83 | 4.14% | $157.2 | $12.25 |
| 2024 | 12.32 | 27.01% | $95.88 | $7.78 |
| 2023 | 9.7 | 62.21% | $55.36 | $5.71 |
| 2022 | 5.98 | 2.93% | $38.37 | $6.42 |
| 2021 | 5.81 | 177.99% | $40.96 | $7.05 |
| 2020 | 2.09 | -90.53% | $24.77 | $11.85 |
| 2019 | 22.07 | 133.54% | $24.06 | $1.09 |
| 2018 | 9.45 | -45.91% | $19.46 | $2.06 |
| 2017 | 17.47 | 44.74% | $15.2 | $0.87 |
| 2016 | 12.07 | 142.86% | $12.55 | $1.04 |
| 2015 | 4.97 | -24.58% | $6.61 | $1.33 |
| 2014 | 6.59 | N/A | $22.26 | $3.38 |
| 2013 | N/A | N/A | N/A | $2.36 |
| 2012 | N/A | N/A | N/A | $1.78 |
| 2011 | N/A | N/A | N/A | $1.12 |
Enova International PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Jun 2026 | 16.86 | 62.27% | $240.73 | $14.28 |
| Mar 2026 | 10.39 | -19.02% | $135.83 | $13.07 |
| Dec 2025 | 12.83 | 28.04% | $157.2 | $12.25 |
| Sep 2025 | 10.02 | -10.93% | $115.09 | $11.49 |
| Jun 2025 | 11.25 | 3.69% | $111.52 | $9.91 |
| Mar 2025 | 10.85 | -11.93% | $96.56 | $8.9 |
| Dec 2024 | 12.32 | -3.83% | $95.88 | $7.78 |
| Sep 2024 | 12.81 | 28.61% | $83.79 | $6.54 |
| Jun 2024 | 9.96 | -8.03% | $62.25 | $6.25 |
| Mar 2024 | 10.83 | 11.65% | $62.83 | $5.8 |
| Dec 2023 | 9.7 | 17.01% | $55.36 | $5.71 |
| Sep 2023 | 8.29 | 0% | $50.87 | $6.14 |
| Jun 2023 | 8.29 | 20.67% | $53.12 | $6.41 |
| Mar 2023 | 6.87 | 14.88% | $44.43 | $6.47 |
| Dec 2022 | 5.98 | 26.16% | $38.37 | $6.42 |
ENVA Price vs fair value
ENVA average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of ENVA is above its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 16.62, ENVA stands higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 13.51, Enova International's price to earnings (P/E) is 23% higher.
ENVA PE vs peers
ENVA's PE ratio is above its peer stocks EZPW and GOLD.
| Stock name | PE ratio | Market cap |
|---|---|---|
| EZPW Ezcorp Inc | 12.26 | $1.82B |
| GOLD Gold.com Inc. | 12.99 | $1.12B |
| ENVA Enova International Inc | 16.62 | $5.91B |
Frequently asked questions
What is Enova International's PE ratio?
As of Jul 25, 2026, ENVA stock has a price to earnings ratio of 16.62.
What is the 3-year average PE ratio for Enova International (ENVA)?
As an average over the last 3 years, ENVA stock has a PE ratio of 11.34.
What is the 5-year average PE ratio for Enova International (ENVA)?
As an average over the last 5 years, ENVA stock has a PE ratio of 9.06.
What is the highest PE ratio for ENVA?
Over the last ten years, the quarterly PE ratio reached its highest level at 65.86 in the Mar 2020 quarter.
How does the current PE ratio for ENVA compare to its historical average?
ENVA's price to earnings ratio is currently 43% above its 10-year historical average.
How is ENVA's PE ratio calculated (Enova International PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jul 25, 2026), Enova International's share price is $237.27. The company's earnings per share for the trailing twelve months (TTM) ending Jun 2026 is $14.28. Therefore, Enova International's price to earnings ratio for today is 16.62. PE RATIO(16.62) = STOCK PRICE($237.27) / TTM EPS($14.28)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.