Fundamental analysis ENVA (Enova International Inc)

Updated on 07/03/2026

We analyzed Enova International stock against the 10 quality criteria of Lubin Investment. The company gets a quality score of 9/10, meaning high quality, and a P/FCF valuation multiple of 2.3×.

Sector: Credit Services. Listing: US. Current price: 168.84 USD.

Lubin scoring methodology

Enova International Inc (ENVA)'s score is calculated automatically from 10 objective financial criteria, with no human intervention or opinion. Each criterion is validated (YES / PARTIAL / NO) based on thresholds drawn from the financial literature (Warren Buffett, Bettin-Mauboussin, Aswath Damodaran). The final score is the sum of validations.

The 10 quantitative criteria analyzed

1. Profitable: positive net margin
2. Growing revenue: revenue growing > 10%/year over 5 years
3. Growing earnings per share: FCF per share adjusted for stock-based compensation, > 10%/year over 5 years
4. Share count under control: stable or declining (net buybacks = value creation for shareholders)
5. Cash profitability: free cash flow margin > 10% of revenue
6. Expanding margins: operating margin widens over 5 years (operating leverage)
7. Return on invested capital: Bettin-Mauboussin Cash ROCE > 15% per year
8. Debt under control: net debt repayable in less than 3 years of free cash flow
9. Earnings converted to cash: free cash flow exceeds accounting net income
10. Net collection period: short or negative cash conversion cycle

Frequently asked questions

Is Enova International a quality stock?

Enova International gets a quality score of 9/10 (high quality), calculated over the 10 Lubin Investment criteria: profitability, revenue and free cash flow growth, share buybacks, margins, debt and return on capital.

How is Enova International's score calculated?

The score is the total of validated criteria (YES / PARTIAL / NO) using thresholds drawn from the financial literature (Warren Buffett, Mauboussin, Aswath Damodaran), automatically and with no human opinion.

What is Enova International's P/FCF?

The price-to-free-cash-flow (P/FCF) multiple of Enova International stock is 2.3×. At Lubin Investment, valuation is judged separately from quality.

Where to see Enova International's full analysis?

The full interactive analysis (10-criteria detail, history, P/FCF valuation, sector comparisons) is available at https://lubin-investment.com/analyse/ENVA?lng=en.

Other stocks in the Credit Services sector

• Sezzle (SEZL) — score 10/10, P/FCF 16.8×
• Mastercard (MA) — score 10/10, P/FCF 25.3×
• Firstcash Holdings (FCFS) — score 10/10, P/FCF 16.7×
• Medallion Financial (MFIN) — score 9/10, P/FCF 1.8×
• PayPal Holdings (PYPL) — score 9/10, P/FCF 8.1×

Go further

👉 See the full interactive analysis of ENVA

Other resources : Detailed methodology · All stocks in the Credit Services sector · Stocks rated 10 out of 10 · Top quality companies · Lubin Investment pricing.