AlphaMadera's AlphaVal page computes Enova International, Inc.'s fair value using a multi-method blend (DCF, comparable-multiples, and Graham-style intrinsic value), then compares it to the current market price to flag ENVA as undervalued, fairly valued, or overvalued.

What is Enova International, Inc.'s fair value?

Fair value for ENVA is a model output combining discounted cash flow projections, peer-group multiples, and a Graham number floor. The live AlphaVal page shows the blended fair value alongside each method's individual estimate.

How does AlphaMadera value ENVA?

AlphaVal uses three primary techniques: a five-year discounted-cash-flow projection with terminal multiple, peer-group multiple analysis (P/E, EV/EBITDA, P/S), and Graham's defensive-investor intrinsic-value formula. Inputs come from ENVA's most recent reported fundamentals.

ENVA - Enova International, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS | PRICE TARGET: $240.00 DETAILS

AlphaVal

Deterministic, archetype-aware fair value

Banks, Insurers & Asset Managers 80% confidence

Primary model: P/Tangible Book × ROE Quality

Valuation Signal Overvalued Moderate

Trading 32.6% above fair value

Current Price $238.50

Bear Case $125.95 47.2% downside ($125.95 - $238.50) / $238.50 = -47.2% ROTCE 20.0% → 2.29x TBV

Fair Value $179.93 24.6% downside ($179.93 - $238.50) / $238.50 = -24.6% ROTCE 25.0% → 3.62x TBV

Bull Case $233.91 1.9% downside ($233.91 - $238.50) / $238.50 = -1.9% ROTCE 30.0% → 3.72x TBV

Adjust Assumptions

Return on Tangible Equity

29.3%

Cost of Equity

11.0%

Key Value Driver

ROTCE (29.3%) vs. cost of equity (11.0%)

Implied Market Multiple 5.63x

Plain-Language Summary

Our base-case estimate uses P/Tangible Book × ROE Quality. We then blend that result with the average analyst price target of $240.00 from 10 analysts, using a 20% weight on analyst consensus. That produces an estimated intrinsic value of $179.93 per share.

Warnings

⚠ Traditional cash flow models don't work well for banks — lending activity distorts how much cash the business actually generates.

⚠ Common valuation shortcuts don't apply here — for banks, interest payments are a core business cost, not overhead.

ℹ Wall Street's average price target is $240.00 (from 10 analysts). Our estimate is 31% below the consensus -- consider that gap carefully.

Key Risks

Book value quality matters as much as level — check loan loss reserves
Interest rate sensitivity creates non-linear earnings surprises
Insurance reserving is actuarial, not financial — errors emerge slowly