Enova International price to free cash flow ENVA

Market value divided by free cash flow over the last twelve months, since 2015.

Today, Oct 23, 2026: 2.0×
10-year median: 1.6×
Against its 10-year history: 75th; percentile: 0 is its lowest day, 100 its highest
10-year range: 0.4× to 4.0×
Peer median: 13.6×

Enova International's price to free cash flow is 2.0× as of Oct 23, 2026.

That is above its ten-year median of 1.6×, higher than on 75% of days in the last ten years.

Over that time it ranged from 0.4× in May 2020 to 4.0× in Feb 2022.

The median for 10 credit services stocks of a similar size is 13.6×.

Price to free cash flow over time

median 1.6×

The dashed line is the 10-year median and the shaded band the middle half of its days.

Open the interactive chart, with overlays and comparisons

Year by year

Year	End of year	Low	High
2026 so far	2.0×	1.8×	3.4×
2025	2.4×	1.5×	2.4×
2024	1.9×	1.3×	2.0×
2023	1.5×	1.1×	2.3×
2022	1.7×	1.5×	4.0×
2021	3.6×	1.0×	3.8×
2020	1.0×	0.4×	1.1×
2019	1.0×	0.9×	1.5×
2018	1.1×	1.1×	2.8×
2017	1.3×	1.0×	1.4×
2016	1.1×	0.7×	1.2×
2015	0.9×	0.8×	1.5×

Against its peers

Companies in Financial - Credit Services nearest Enova International's size, closest first, today.

Company	Price to free cash flow
ENVAEnova International	2.0×
PAYPaymentus	26.4×
BFHBread Financial	n/m
NNINelnet	12.0×
SEZLSezzle	13.6×
DAVEDave	13.9×
SLMSLM	n/m
TNETTrinet	12.1×
MMSMaximus	7.6×
FIGRFigure Technology Solutions	n/m
RELYRemitly Global	14.7×
Peer median	13.6×

What the price to free cash flow tells you

Market value divided by free cash flow: the cash left after running the business and paying for equipment. Cash is harder to manage than accounting earnings, so many investors trust this more than PE.

Lumpy: a big year of building factories drops cash flow and inflates the ratio without the business getting worse.

More on Enova International

Valuation data, not investment advice. Prices as of Oct 23, 2026. Reported figures come from the company's filings with the SEC.