ENVA
Enova International, Inc.Financial Services · $4.3B market cap
Verdict
Share price
$172.89
close of Oct 3, 2026
Fair value
$114.21
Sticker Price
Payback Price
$45.69
buy price
ENVA is Overpriced: at $172.89 it trades 51% above its fair value of $114.21. Its buy price (Payback Price) is $45.69, 74% below today's price. Business quality is strong: 4 of 5 key numbers clear the 10% bar.
How we valued it
Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.
Business quality
4 of 5 clear the 10% bar. What are the Big Five?
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Since Jun 12, 2026: no open-market purchases, 7 sales worth $22.4M and 12 other filings (stock awards, tax withholding and similar). Why purchases matter
Sales
Fisher David
Executive Chairman · 2026-08-26
Sold
$2.2M
Fisher David
Executive Chairman · 2026-08-25
Sold
$2.3M
Fisher David
Executive Chairman · 2026-07-15
Sold
$2.7M
Fisher David
Executive Chairman · 2026-07-14
Sold
$3.9M
TEBBE MARK
director · 2026-06-18
Sold
$4.0M
Show all 7 salesShow fewer
Fisher David
Executive Chairman · 2026-06-17
Sold
$6.6M
GOODYEAR WILLIAM M
director · 2026-06-16
Sold
$658K
Other filings
Fisher David
Executive Chairman · 2026-08-26
Option exercise
$188K
Fisher David
Executive Chairman · 2026-08-25
Option exercise
$197K
Veltre Maria
director · 2026-08-05
Award
772 shares
Chartier Kirk
Chief Strategy Officer · 2026-08-05
Award
$540K
Cornelis Scott
Chief Financial Officer · 2026-08-05
Award
$387K
Show all 12 other filingsShow fewer
Fisher David
Executive Chairman · 2026-08-05
Award
$1.6M
Cunningham Steven E
Chief Executive Officer · 2026-08-05
Award
$1.9M
Rahilly Sean
General Counsel and Secretary · 2026-08-05
Award
$375K
Fisher David
Executive Chairman · 2026-07-15
Option exercise
$238K
Fisher David
Executive Chairman · 2026-07-14
Option exercise
$353K
Fisher David
Executive Chairman · 2026-06-17
Option exercise
$685K
GOODYEAR WILLIAM M
director · 2026-06-12
G-Gift
8,437 shares
About Enova International, Inc.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents…
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works