Enova International Valuation Multiples

Enova International Overview

About Enova International

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Founded

2011

HQ

Employees

1.8K

Website

enova.com

Sectors

Online LendingConsumer FinanceFinTech

Financials (LTM)

Revenue: $3B

EBITDA: $860M

EV

$9B

Valuation Multiples

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Enova International Financials

Enova International reported last 12-month revenue of $3B and EBITDA of $860M.

In the same LTM period, Enova International generated $2B in gross profit, $860M in EBITDA, and $330M in net income.

Enova International P&L

In the most recent fiscal year, Enova International reported revenue of $3B and EBITDA of $821M.

Enova International expects next 12-month revenue of XXX and NTM EBITDA of XXX

Enova International Stock Performance

Enova International has current market cap of $4B, and enterprise value of $9B.

Enova International's stock price is $162.81.

Enova International Valuation Multiples

Enova International trades at 2.6x EV/Revenue multiple, and 9.9x EV/EBITDA.

Enova International Financial Valuation Multiples

As of April 20, 2026, Enova International has market cap of $4B and EV of $9B.

Equity research analysts estimate Enova International's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Enova International has a P/E ratio of 12.3x.

Enova International Margins & Growth Rates

Enova International's revenue in the last 12 month grew by 16%.

Enova International's revenue per employee in the last FY averaged $1.7M, while opex per employee averaged $0.6M for the same period.

Enova International's rule of 40 is 42% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Enova International's rule of X is 66% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

Enova International Public Comps

See public comps and valuation multiples for other Online Lending and Consumer Finance comps.

Enova International M&A Activity

Enova International acquired XXX companies to date.

Last acquisition by Enova International was on XXXXXXXX, XXXXX. Enova International acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).

Enova International Investment Activity

Enova International invested in XXX companies to date.

Enova International made its latest investment on XXXXXXXX, XXXXX. Enova International invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).