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Enova International, Inc.
ENVAFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $3.15B | 9.8% | $308.86M | $1.77B | N/A |
| 2027 | $3.94B | 9.8% | $386.39M | $2.22B | $2.01B |
| 2028 | $4.93B | 9.8% | $483.37M | $2.77B | $2.29B |
| 2029 | $6.17B | 9.8% | $604.70M | $3.47B | $2.61B |
| 2030 | $7.72B | 9.8% | $756.47M | $4.34B | $2.96B |
| 2031 | $9.66B | 9.8% | $946.35M | $5.43B | $3.37B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $11.58 | 2025-12-31 |
| EPS growth | +57.6% | Forecast years: 5 |
| Future EPS | $112.59 | EPS × (1 + G)^5 |
| Base P/E | 12.6 | P/E |
| Future price | $1,418.60 | Future EPS × P/E |
| Fair value today | $880.84 | PV @ 10.0% |
| 30% safety price | $616.59 | Margin of safety |
| 50% safety price | $440.42 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $2,467.61 | $2,809.70 | $3,276.18 |
| 10.0% | $2,125.08 | $2,377.30 | $2,707.11 |
| 11.0% | $1,855.63 | $2,047.67 | $2,290.91 |