Financial Services • NYSE
According to Zyberno, Enova International, Inc. (ENVA) shows a Value Trap signal — AVERAGE BUSINESS (63/100) with an apparent Margin of Safety of +90.0%, but a Brina Gap of -5.3% reveals the current price still assumes faster growth than the business can deliver.
According to Zyberno's DCF model, Enova International, Inc. (ENVA) trades at $232.72 against an estimated intrinsic value per share of $2,329.69 — a +90.0% Margin of Safety based on Owner Earnings of $1.86B TTM, projected at 24.0% growth for 10 years with a 2.5% terminal growth rate. The Brina Gap of -5.3% weakens the case: based on the company's ROIC (9.7%) and reinvestment rate (0.9%), the business can fundamentally grow at 0.1% — but the current enterprise value implies the market expects 5.4%. This places ENVA in the Value Trap quadrant of the Brina Matrix — a value-trap signal where the apparent discount is undermined by overpriced growth expectations. Zyberno's model translates this into a 5-year expected return of 90.2% annually.
Over the trailing twelve months, ENVA generated $1.86B in Owner Earnings. Capital was deployed as follows: $39.59M returned via share buybacks, $45.02M invested in capital expenditures. Reinvestment rate: 0.9%. Owner Earnings have grown at 24.0% annually over the trailing five years using log-linear regression.