Is ENVA or OMF more undervalued in 2026?

CirclFi compares Enova International, Inc. (ENVA) and OneMain Holdings, Inc. (OMF) using 13 institutional-grade valuation models. ENVA has a Quality of Company score of 9.2/10 while OMF scores 7.6/10.

Which is a better buy — ENVA or OMF?

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 OMF valuations compare?

ENVA at $161.51 and OMF at $55.31 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ENVA vs OMF Valuation Comparison 2026 — Intrinsic Value Analysis

ENVA

Personal Credit Institutions

Enova International, Inc.

Quality

9.2

out of 10

Value Trap

SAFE

Price

$161.51

Last close

Models

10/13

Active

OMF

Personal Credit Institutions

OneMain Holdings, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$55.31

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	ENVA Fair Value	ENVA Upside	OMF Fair Value	OMF Upside
Bayesian DCF	Intrinsic	$844.47	+422.9%	$116.43	+110.5%
EROIC Spread	Intrinsic	$50.28	-68.9%	—	—
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$74.05	-54.1%	$102.04	+84.5%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for ENVA vs OMF — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

ENVA vs OMF — Which Stock Is More Undervalued?

ENVA scores higher with a 9.2/10 quality rating vs OMF's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Enova International, Inc. (ENVA) and OneMain Holdings, Inc. (OMF) 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 $161.51 with a QOC of 9.2/10, while OMF trades at $55.31 with a QOC of 7.6/10.

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).