What is Enova International, Inc. (ENVA)'s PEG ratio?

Enova International, Inc. (ENVA) has a PEG ratio of 25.56 (Potentially Overvalued), based on a PE ratio of 17.4 and expected EPS growth of 0.7% (5-Year EPS CAGR).

Is ENVA undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 25.56, Enova International, Inc. (ENVA) screens as "Potentially Overvalued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/ENVA.

Enova International, Inc. (ENVA) PEG Ratio

Potentially Overvalued

PE ratio relative to earnings growth — is the valuation justified?

25.56

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

25.56

Growth Rate Source

Good Data Quality5-Year EPS CAGR

Current Price

$235.19

TTM EPS

$13.48

P/E Ratio

17.45

Growth Rate

0.7%

5-Year EPS CAGR

Sector

Financial Services

Financial - Credit Services

Calculated

8/18/2026

11:17:30 AM

Peer Comparison

Sample Size

4 peers

Industry Median PEG

0.75

25th Percentile

0.66

75th Percentile

1.08

ENVA PEG (25.56) vs Industry Median (0.75): 3298% premium

Symbol	Company	PEG	P/E	Growth	vs ENVA
RM	Regional Management Corp.	0.43	5.8	13.6%	-98%
ECPG	Encore Capital Group, Inc.	0.66	6.9	10.4%	-97%
CUBI	Customers Bancorp, Inc.	0.84	9.5	11.2%	-97%
FCFS	FirstCash Holdings, Inc	1.08	25.3	23.4%	-96%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

Enova International, Inc. (ENVA) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on ENVA

Compare with peers

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Enova International, Inc. (ENVA) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on ENVA

Compare with peers

Explore