Is Enova International, Inc. overvalued or undervalued?

As of 4 February 2025, the valuation grade for Enova International, Inc. has moved from attractive to very attractive. The company is currently undervalued, with a P/E ratio of 13, which is lower than the industry average of approximately 13.77 for PennyMac Financial Services, Inc. and 16.63 for Nelnet, Inc. Additionally, Enova's EV to EBITDA stands at 4.19, which is competitive against its peers, such as PennyMac at 3.11 and Nelnet at 3.04.
Enova's strong performance is further highlighted by a PEG ratio of 0.28 and an impressive ROCE of 70.74%, indicating efficient capital utilization. The company's stock has significantly outperformed the S&P 500 over various time frames, including a 65.12% return over the past year compared to the S&P 500's 10.26%. Overall, these metrics suggest that Enova International, Inc. is positioned favorably in the market and represents a compelling investment opportunity.