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Enova International (Enova International) Shiller PE Ratio : 13.89 (As of May. 07, 2024)


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What is Enova International Shiller PE Ratio?

As of today (2024-05-07), Enova International's current share price is $62.80. Enova International's E10 for the quarter that ended in Mar. 2024 was $4.52. Enova International's Shiller PE Ratio for today is 13.89.

The historical rank and industry rank for Enova International's Shiller PE Ratio or its related term are showing as below:

ENVA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.23   Med: 10.92   Max: 14.05
Current: 13.89

During the past years, Enova International's highest Shiller PE Ratio was 14.05. The lowest was 7.23. And the median was 10.92.

ENVA's Shiller PE Ratio is ranked better than
53.62% of 304 companies
in the Credit Services industry
Industry Median: 14.98 vs ENVA: 13.89

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Enova International's adjusted earnings per share data for the three months ended in Mar. 2024 was $1.640. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $4.52 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Enova International Shiller PE Ratio Historical Data

The historical data trend for Enova International's Shiller PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Enova International Shiller PE Ratio Chart

Enova International Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - 11.82 9.16 12.25

Enova International Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10.31 12.08 11.31 12.25 13.89

Competitive Comparison of Enova International's Shiller PE Ratio

For the Credit Services subindustry, Enova International's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Enova International's Shiller PE Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Enova International's Shiller PE Ratio falls into.



Enova International Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Enova International's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=62.80/4.52
=13.89

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enova International's E10 for the quarter that ended in Mar. 2024 is calculated as:

For example, Enova International's adjusted earnings per share data for the three months ended in Mar. 2024 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=1.64/129.4194*129.4194
=1.640

Current CPI (Mar. 2024) = 129.4194.

Enova International Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201406 0.928 100.560 1.194
201409 0.560 100.428 0.722
201412 0.680 99.070 0.888
201503 0.740 99.621 0.961
201506 0.330 100.684 0.424
201509 0.130 100.392 0.168
201512 0.130 99.792 0.169
201603 0.300 100.470 0.386
201606 0.250 101.688 0.318
201609 0.230 101.861 0.292
201612 0.260 101.863 0.330
201703 0.410 102.862 0.516
201706 0.350 103.349 0.438
201709 -0.100 104.136 -0.124
201712 0.200 104.011 0.249
201803 0.810 105.290 0.996
201806 0.520 106.317 0.633
201809 0.430 106.507 0.523
201812 0.250 105.998 0.305
201903 1.020 107.251 1.231
201906 0.730 108.070 0.874
201909 0.780 108.329 0.932
201912 -1.510 108.420 -1.802
202003 0.170 108.902 0.202
202006 1.580 108.767 1.880
202009 3.090 109.815 3.642
202012 6.470 109.897 7.619
202103 2.030 111.754 2.351
202106 2.100 114.631 2.371
202109 1.360 115.734 1.521
202112 1.300 117.630 1.430
202203 1.500 121.301 1.600
202206 1.560 125.017 1.615
202209 1.570 125.227 1.623
202212 1.560 125.222 1.612
202303 1.560 127.348 1.585
202306 1.500 128.729 1.508
202309 1.290 129.860 1.286
202312 1.130 129.419 1.130
202403 1.640 129.419 1.640

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Enova International  (NYSE:ENVA) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Enova International Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of Enova International's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Enova International (Enova International) Business Description

Traded in Other Exchanges
Address
175 West Jackson Boulevard, Suite 1000, Chicago, IL, USA, 60604
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
Executives
Linda Johnson Rice director
Steven E Cunningham officer: Executive VP - CFO & Treasurer 2500 LAKE COOK ROAD, RIVERWOODS IL 60015
Ellen Carnahan director 222 WEST ADAMS ST, C/O WILLIAM BLAIR VENTURE MANAGEMENT CO, CHICAGO IL 60606-5307
Kirk Chartier officer: SVP - Chief Marketing Officer C/O OPTIONSXPRESS HOLDINGS, INC., 311 WEST MONROE; SUITE 1000, CHICAGO IL 60606
Sean Rahilly officer: VP - Chief Compliance Officer C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
David Fisher director, officer: President - CEO 39 SOUTH LASALLE STREET, SUITE 220, CHICAGO IL 60605
James A Gray director 39 SOUTH LASALLE STREET SUITE 220, CHICAGO IL 60605
Gregg A. Kaplan director C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
James Joseph Lee officer: Chief Accounting Officer C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., SUITE 1000, CHICAGO IL 60604
William M Goodyear director NAVIGANT CONSULTING, INC, 615 N. WABASH AVENUE, CHICAGO IL 60611
Mark Mcgowan director C/O COMBIMATRIX CORPORATION, 6500 HARBOUR HEIGHTS PARKWAY, SUITE 303, MUKILTEO WA 98275
Gregory T Zeeman officer: SVP - Chief Operating Officer C/O HSBC NORTH AMERICA, 26525 N. RIVERWOODS BLVD., METTAWA IL 60045
Daniel R Feehan director CASH AMERICA INTL INC, 1600 W &TH ST, FORT WORTH TX 76102
Mark Tebbe director LANTE CORP, 161 NORTH CLARK STREET, SUITE 4900, CHICAGO IL 60601
John Higginson officer: VP - Chief Technology Officer C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604