Enova International, Inc. (ENVA) Fair Value 2026

ENVA · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, Enova International, Inc. (ENVA) trades at $237.30, versus a $247.06 median fair value across its 5 active models — 4.1% above the current price. QOC: 7.9/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
ENVA
Price
$237.30
Quality Score
7.9/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +4.1% upside with 15% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Enova International, Inc. (ENVA) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Enova International, Inc. (ENVA) appears fairly valued as of : the median of 5 independent fair value estimates is $247.06, within 4.1% of the current price of $237.30. Estimates range from $164.14 to $415.44. ENVA scores 7.9/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. ENVA’s +4.1% gap is narrower than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Enova International, Inc. Stock in 2026? →

What Fair Value Does Each Model Give ENVA?

5 Intrinsic Value Models vs. Current Price ($237.30)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $247.06 +4.1%
Intrinsic · High Conviction
 $170.69 -28.1%
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What Is ENVA's Fair Value Range?

Spread across 5 independent models · $164.14 to $415.44

CirclFi's 5 active models place Enova International, Inc. (ENVA) between $164.14 and $415.44 per share, a spread of 102% of the median. The median of that range — $247.06 — is the fair value CirclFi publishes for ENVA, against a current price of $237.30.

Low · FTNNHigh · Markov DDM
$164.14median $247.06$415.44
Where the range comes from
Most bearish modelFTNN Topology$164.14
Most bullish modelMarkov DDM$415.44
Model agreement2 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for ENVA. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on ENVA, not a CirclFi price target. How each model works →

What Is Enova International, Inc. (ENVA) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Enova International, Inc.'s intrinsic value is estimated at $247.06, presenting a divided outlook at the current price of $237.30. With a median implied return of +4.1% across a split 2–2 (bull–bear) consensus, the model spread of +105.9% underscores analytical uncertainty. Notably, Markov DDM sees the most upside at +75.1% (fair value: $415.44), while FTNN is the most conservative at -30.8% ($164.14). The spread between these extremes — +105.9% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About ENVA?

5 of 13 models are currently active for ENVA. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for ENVA is $247.06 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does ENVA Rank in Credit Services?

Among 54 Credit Services stocks, ENVA ranks #17 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

Enova International, Inc.'s positioning within the Credit Services segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including interest rate environment — shape both the opportunity set and risk profile.

Is ENVA a Value Trap?

CirclFi's Value Trap algorithm assigns ENVA a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Enova International, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Enova International, Inc. earns a quality score of 7.9/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +105.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every ENVA valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across ENVA's 5 active models, average confidence is 31%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Enova International, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

BFHBread Financial Holdings, Inc.QOC 8.0OPRTOportun Financial CorporationQOC 7.9MFINMedallion Financial Corp.QOC 8.1CACCCredit Acceptance CorporationQOC 7.8XYFX FinancialQOC 8.2ECPGEncore Capital Group, Inc.QOC 7.8NNINelnet, Inc.QOC 7.4KLARKlarna Group plcQOC 5.6AXPAmerican Express CompanyQOC 9.1JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: BFH · OPRT · MFIN · CACC · XYF · ECPG · NNI · KLAR · AXP · JFIN · MA

Which Other Stocks Have a Similar Quality Score to ENVA?

7 companies across all industries closest to ENVA’s Quality of Company score of 7.9/10.

FITBFifth Third BancorpQOC 7.9TREELendingTree, Inc.QOC 7.9ZGNErmenegildo Zegna N.V.QOC 7.9AJGArthur J. Gallagher & Co.QOC 7.9EBMTEagle Bancorp Montana, Inc.QOC 7.9VTMXCorporación Inmobiliaria Vesta, S.A.B. de C.V.QOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FITB · TREE · ZGN · AJG · EBMT · VTMX · NVDA

Where Does ENVA Sit in CirclFi's Credit Services Rankings?

ENVA is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Enova International, Inc.’s Valuation?

What is Enova International, Inc.'s intrinsic value in 2026?

CirclFi puts Enova International, Inc. (ENVA)'s intrinsic value at $247.06 — the median of 5 independent model estimates as of 2026-08-27, ranging from $164.14 to $415.44. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is ENVA overvalued or undervalued right now?

At $237.30, 3 of 5 active models suggest ENVA may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $247.06, within 4.1% of the current price of $237.30 — a consensus view that ENVA is fairly valued. The assessment depends on which methodology best fits Enova International, Inc.'s business model in Credit Services.

What does a Quality of Company score of 7.9 mean for ENVA?

Enova International, Inc.'s QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on ENVA?

CirclFi analyzes ENVA with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on ENVA?

Of the 5 models currently active on ENVA, Markov DDM is the most bullish at $415.44 per share, and FTNN Topology is the most bearish at $164.14. CirclFi's published fair value for ENVA is the median of that range, $247.06, not either extreme. The gap between the two ends equals 102% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is ENVA a value trap in 2026?

Enova International, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Enova International, Inc. (ENVA) has a median fair value of $247.06 — within 4.1% of the current price of $237.30 — as of 2026-08-27.” Source: circlfi.com/stock/ENVA/ · Methodology
Primary sources for this ENVA valuation
  • Financial statements: Enova International, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001529864) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for ENVA as of ; valuations recomputed .

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