Is ENVA or FINV more undervalued in 2026?

CirclFi compares Enova International, Inc. (ENVA) and FinVolution Group (FINV) using 13 institutional-grade valuation models. ENVA has a Quality of Company score of 9.2/10 while FINV scores 9.2/10.

Which is a better buy — ENVA or FINV?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ENVA and FINV valuations compare?

ENVA at $158.90 and FINV at $5.19 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ENVA vs FINV Valuation Comparison 2026 — Intrinsic Value Analysis

ENVA

Credit Services

Enova International, Inc.

Quality

9.2

out of 10

Value Trap

SAFE

Price

$158.90

Last close

Models

9/13

Active

FINV

Credit Services

FinVolution Group

Quality

9.2

out of 10

Value Trap

SAFE

Price

$5.19

Last close

Models

8/13

Active

Model-by-Model Comparison

Model	Type	ENVA Fair Value	ENVA Upside	FINV Fair Value	FINV Upside
Bayesian DCF	Intrinsic	—	—	$8.29	+59.8%
EROIC Spread	Intrinsic	$50.61	-68.2%	$26.80	+416.4%
First Chicago	Scenario	$355.49	+123.7%	—	—
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ENVA vs FINV — Which Stock Is More Undervalued?

FINV scores higher with a 9.2/10 quality rating vs ENVA's 9.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Enova International, Inc. (ENVA) and FinVolution Group (FINV) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ENVA currently trades at $158.90 with a QOC of 9.2/10, while FINV trades at $5.19 with a QOC of 9.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).