What is Enova International, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Enova International, Inc.'s reported free cash flow gives $2,003.86 per share. The share price was $173.48 on September 25, 2026, 91% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $1,145.85 | +561% |
| Base | 15.0% | 9.0% | $2,003.86 | +1,055% |
| Bull | 20.0% | 8.0% | $3,601.50 | +1,976% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $2,653.47 | $2,856.02 | $3,103.58 | $3,413.04 | $3,810.90 |
| 8.0% | $2,165.48 | $2,296.83 | $2,452.07 | $2,638.35 | $2,866.03 |
| 9.0% | $1,810.42 | $1,900.23 | $2,003.86 | $2,124.76 | $2,267.64 |
| 10.0% | $1,541.20 | $1,605.07 | $1,677.45 | $1,760.17 | $1,855.62 |
| 11.0% | $1,330.54 | $1,377.36 | $1,429.69 | $1,488.57 | $1,555.29 |
Where the presets come from
Base: years 1 to 5 grow at Enova International, Inc.'s revenue growth rate over the last 5 fiscal years (23.8% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions