Enova International, Inc. ENVA

173.48 1.58 0.92% as of 25 Sep

Market cap: $4.3B
P/E: 12.1×

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Cash Flow Champion (3y) Revenue Champion (5y)

Growth Flags show if company had growth for consecutive years

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	12.62	17.78	9.40	22.28	2.16	5.82	6.02	9.70	12.29	12.82
P/S ratio Full definition →	0.59	0.72	0.68	0.69	0.73	1.23	0.72	0.80	0.97	1.26
P/FCF ratio Full definition →	1.16	1.21	0.99	0.98	1.11	3.37	1.47	1.51	1.73	2.23
P/Operating CF Full definition →	4.75	3.86	3.05	3.34	6.72	10.15	4.63	5.38	6.00	7.93
P/B ratio Full definition →	1.82	1.86	1.90	2.15	0.86	1.36	1.05	1.36	2.16	2.96
Price to Tangible BV Full definition →	0.00	50.70	8.54	7.55	1.26	1.91	1.42	1.80	2.85	3.75
EV/Sales Full definition →	1.37	1.67	1.51	1.47	1.26	2.19	1.92	2.01	2.19	2.55
EV/EBITDA Full definition →	7.11	8.89	7.50	6.39	3.50	5.82	7.80	9.05	9.09	10.09
EV/Operating CF Full definition →	2.60	2.72	2.15	2.03	1.85	5.61	3.72	3.65	3.78	4.42
EV/FCF Full definition →	2.70	2.81	2.19	2.08	1.92	5.99	3.91	3.80	3.89	4.54
Quick Ratio Full definition →	0.99	1.41	0.90	0.70	2.10	1.16	0.86	1.23	0.84	0.84
Current Ratio Full definition →	7.50	9.31	7.35	5.85	8.48	8.08	9.84	10.27	9.52	9.48
Net Debt/EBITDA Full definition →	4.05	5.05	4.12	3.38	1.48	2.55	4.88	5.46	5.06	5.13
Debt/Assets Full definition →	66.46%	68.01%	64.30%	62.96%	44.90%	50.13%	59.74%	64.20%	67.67%	69.54%
Debt/Equity Full definition →	2.69	2.80	2.47	2.63	1.03	1.27	1.90	2.37	2.98	3.37
Asset Turnover Full definition →	0.82	0.68	0.78	0.81	0.59	0.50	0.53	0.51	0.54	0.54
Operating CF/Net income Full definition →	11.37	15.29	9.77	23.18	1.96	1.84	4.31	6.66	7.35	5.90
Capex/Depreciation Full definition →	(0.64)	(0.74)	(0.72)	(0.95)	(0.91)	(0.71)	(1.02)	(0.94)	(0.78)	(0.81)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	15.46%	11.17%	22.27%	10.11%	58.33%	25.48%	18.20%	14.44%	17.19%	24.34%
ROA Full definition →	3.81%	2.74%	5.62%	2.52%	20.52%	10.53%	6.34%	4.19%	4.25%	5.26%
ROIC Full definition →	9.20%	7.47%	9.50%	12.06%	14.95%	11.47%	7.35%	6.93%	8.24%	8.52%
Return on Tangible Assets Full definition →	5.69%	3.70%	8.61%	3.47%	24.60%	12.27%	6.77%	4.57%	4.73%	5.61%
Average Days of Receivables Full definition →	9.56	13.98	21.94	20.04	13.57	31.24	23.13	20.01	14.34	14.10
Research and Development Expense of Revenue Full definition →	11.43%	9.55%	8.06%	7.17%	8.88%	12.23%	10.00%	9.20%	8.44%	8.19%
Selling, General and Administrative Expense of Revenue Full definition →	26.20%	24.19%	20.68%	19.10%	19.41%	35.44%	30.13%	27.14%	25.59%	25.09%
Intangible Assets out of Total Assets Full definition →	0.28	0.23	0.20	0.17	0.14	0.11	0.08	0.07	0.06	0.04
Share Based Compensation of Revenue Full definition →	1.14%	1.55%	1.20%	1.02%	1.66%	1.75%	1.26%	1.26%	1.20%	1.05%
Graham Net Nets Full definition →	(0.20)	(0.09)	(0.15)	0.01	0.58	0.42	0.57	0.46	0.29	0.22
Graham Number Full definition →	13.12	12.90	21.83	16.48	86.26	69.01	72.84	71.95	88.34	121.04
Earnings Yield Full definition →	7.92%	5.62%	10.64%	4.49%	46.35%	17.19%	16.62%	10.31%	8.14%	7.80%
Free Cash Flow Yield Full definition →	86.17%	82.33%	101.31%	102.14%	90.04%	29.70%	68.17%	66.28%	57.93%	44.79%
Revenue per Share Full definition →	22.46	21.74	28.61	34.84	33.98	33.23	53.77	69.04	98.73	125.22
Operating CF per Share Full definition →	11.85	13.34	20.15	25.17	23.23	12.98	27.69	38.04	57.15	72.28
Capex per Share Full definition →	(0.43)	(0.45)	(0.43)	(0.59)	(0.92)	(0.82)	(1.35)	(1.47)	(1.61)	(1.87)
Free Cash Flow per Share Full definition →	11.42	12.89	19.72	24.58	22.30	12.16	26.34	36.57	55.54	70.40
Cash per Share Full definition →	2.00	2.93	1.48	2.40	11.57	6.21	5.52	12.31	11.99	16.21
Shareholders Equity per Share Full definition →	7.28	8.40	10.23	11.17	28.81	30.07	36.73	40.43	44.46	53.11
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	7.28	8.40	10.23	11.17	28.81	30.07	36.73	40.43	44.46	53.11
Free Cash Flow Full definition →	378.98	431.95	670.18	828.58	711.38	442.19	850.37	1,121.63	1,495.15	1,771.98
Working Capital Full definition →	561.05	741.53	768.00	1,001.56	1,456.36	2,009.92	2,970.85	3,721.17	4,307.83	5,367.85
Capital Expenditures Full definition →	(14.40)	(15.23)	(14.66)	(20.06)	(29.49)	(29.67)	(43.63)	(45.24)	(43.42)	(47.14)
Net Current Asset Value Full definition →	(88.87)	(47.01)	(97.72)	10.38	461.77	625.52	712.19	777.36	744.35	869.47
EV/EBIT Full definition →	8.43	10.46	8.37	6.94	3.82	6.41	8.67	10.09	9.96	10.88
Capex to Sales Full definition →	0.02	0.02	0.02	0.02	0.03	0.02	0.03	0.02	0.02	0.02
Net Profit Margin Full definition →	4.64%	4.01%	7.21%	3.12%	34.87%	21.22%	11.95%	8.27%	7.88%	9.78%
Price to Operating Income Full definition →	3.62	4.52	3.77	3.27	2.21	3.60	3.25	4.01	4.41	5.35
Other line items
Depreciation/Fixed assets Full definition →	0.48	0.42	0.44	0.39	0.41	0.53	0.46	0.44	0.47	0.44
Cash ROIC Full definition →	36.15%	34.12%	50.86%	54.81%	29.60%	14.55%	22.10%	23.20%	27.91%	27.02%
Accounts Receivable Turnover Full definition →	33.08	30.73	22.52	19.11	20.68	16.81	16.27	18.73	24.10	27.86
Accounts Payable Turnover Full definition →	4.56	4.75	6.35	5.92	3.25	1.31	3.49	3.86	4.42	4.75
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	79.76	79.63	59.11	73.96	113.35	310.21	117.03	107.38	80.86	84.48
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	22.54	23.72	43.19	61.48	52.40	71.84	106.69	113.06	110.28	113.11
Average Payables Full definition →	71.91	74.40	79.32	101.84	123.12	140.09	177.21	229.74	255.56	277.91
Average Assets Full definition →	909.21	1,068.67	1,246.91	1,454.35	1,841.21	2,434.78	3,271.19	4,183.21	4,925.83	5,867.28
Average Common Equity Full definition →	223.83	261.69	314.73	362.19	647.72	1,005.94	1,139.60	1,213.16	1,218.55	1,266.82

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Enova International, Inc. ENVA

Enova International, Inc. ENVA

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