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Friday 6 November 2026
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Enova International, Inc.
ENVA Financial Credit Services
Enova International, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, up 18.6% from fiscal 2024.
- Revenue
- +25.7%
- EPS
- +33.9%
- Free cash flow
- +11.4%
- Total debt
- +30.9%
Quarter to September 2026, against a year earlier
171.54
2.74
−1.57%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
12.82 | 12.29 | 9.70 | 6.02 | 5.82 | 2.16 | 22.28 | 9.40 | 17.78 | 12.62 |
Piotroski F-Score |
6 | 6 | 5 | 6 | 4 | 8 | 7 | 6 | 4 | 5 |
P/S ratio |
1.26 | 0.97 | 0.80 | 0.72 | 1.23 | 0.73 | 0.69 | 0.68 | 0.72 | 0.59 |
P/FCF ratio |
2.23 | 1.73 | 1.51 | 1.47 | 3.37 | 1.11 | 0.98 | 0.99 | 1.21 | 1.16 |
P/Operating CF |
7.93 | 6.00 | 5.38 | 4.63 | 10.15 | 6.72 | 3.34 | 3.05 | 3.86 | 4.75 |
P/B ratio |
2.96 | 2.16 | 1.36 | 1.05 | 1.36 | 0.86 | 2.15 | 1.90 | 1.86 | 1.82 |
Price to Tangible BV |
3.75 | 2.85 | 1.80 | 1.42 | 1.91 | 1.26 | 7.55 | 8.54 | 50.70 | 0.00 |
EV/Sales |
2.55 | 2.19 | 2.01 | 1.92 | 2.19 | 1.26 | 1.47 | 1.51 | 1.67 | 1.37 |
EV/EBITDA |
10.09 | 9.09 | 9.05 | 7.80 | 5.82 | 3.50 | 6.39 | 7.50 | 8.89 | 7.11 |
EV/Operating CF |
4.42 | 3.78 | 3.65 | 3.72 | 5.61 | 1.85 | 2.03 | 2.15 | 2.72 | 2.60 |
EV/FCF |
4.54 | 3.89 | 3.80 | 3.91 | 5.99 | 1.92 | 2.08 | 2.19 | 2.81 | 2.70 |
Quick Ratio |
0.84 | 0.84 | 1.23 | 0.86 | 1.16 | 2.10 | 0.70 | 0.90 | 1.41 | 0.99 |
Current Ratio |
9.48 | 9.52 | 10.27 | 9.84 | 8.08 | 8.48 | 5.85 | 7.35 | 9.31 | 7.50 |
Net Debt/EBITDA |
5.13 | 5.06 | 5.46 | 4.88 | 2.55 | 1.48 | 3.38 | 4.12 | 5.05 | 4.05 |
Debt/Assets |
69.54% | 67.67% | 64.20% | 59.74% | 50.13% | 44.90% | 62.96% | 64.30% | 68.01% | 66.46% |
Debt/Equity |
3.37 | 2.98 | 2.37 | 1.90 | 1.27 | 1.03 | 2.63 | 2.47 | 2.80 | 2.69 |
Asset Turnover |
0.54 | 0.54 | 0.51 | 0.53 | 0.50 | 0.59 | 0.81 | 0.78 | 0.68 | 0.82 |
Operating CF/Net income |
5.90 | 7.35 | 6.66 | 4.31 | 1.84 | 1.96 | 23.18 | 9.77 | 15.29 | 11.37 |
Capex/Depreciation |
(0.81) | (0.78) | (0.94) | (1.02) | (0.71) | (0.91) | (0.95) | (0.72) | (0.74) | (0.64) |
Interest Coverage |
2.18 | 2.01 | 2.17 | 3.31 | 5.40 | 4.13 | 3.28 | 2.21 | 1.57 | 1.85 |
| 24.34% | 17.19% | 14.44% | 18.20% | 25.48% | 58.33% | 10.11% | 22.27% | 11.17% | 15.46% | |
| 5.26% | 4.25% | 4.19% | 6.34% | 10.53% | 20.52% | 2.52% | 5.62% | 2.74% | 3.81% | |
ROIC |
8.52% | 8.24% | 6.93% | 7.35% | 11.47% | 14.95% | 12.06% | 9.50% | 7.47% | 9.20% |
Return on Tangible Assets |
5.61% | 4.73% | 4.57% | 6.77% | 12.27% | 24.60% | 3.47% | 8.61% | 3.70% | 5.69% |
Average Days of Receivables |
14.10 | 14.34 | 20.01 | 23.13 | 31.24 | 13.57 | 20.04 | 21.94 | 13.98 | 9.56 |
Research and Development Expense of Revenue |
8.19% | 8.44% | 9.20% | 10.00% | 12.23% | 8.88% | 7.17% | 8.06% | 9.55% | 11.43% |
Selling, General and Administrative Expense of Revenue |
25.09% | 25.59% | 27.14% | 30.13% | 35.44% | 19.41% | 19.10% | 20.68% | 24.19% | 26.20% |
Intangible Assets out of Total Assets |
0.04 | 0.06 | 0.07 | 0.08 | 0.11 | 0.14 | 0.17 | 0.20 | 0.23 | 0.28 |
Share Based Compensation of Revenue |
1.05% | 1.20% | 1.26% | 1.26% | 1.75% | 1.66% | 1.02% | 1.20% | 1.55% | 1.14% |
Graham Net Nets |
0.22 | 0.29 | 0.46 | 0.57 | 0.42 | 0.58 | 0.01 | (0.15) | (0.09) | (0.20) |
Graham Number |
121.04 | 88.34 | 71.95 | 72.84 | 69.01 | 86.26 | 16.48 | 21.83 | 12.90 | 13.12 |
Earnings Yield |
7.80% | 8.14% | 10.31% | 16.62% | 17.19% | 46.35% | 4.49% | 10.64% | 5.62% | 7.92% |
Free Cash Flow Yield |
44.79% | 57.93% | 66.28% | 68.17% | 29.70% | 90.04% | 102.14% | 101.31% | 82.33% | 86.17% |
Revenue per Share |
125.22 | 98.73 | 69.04 | 53.77 | 33.23 | 33.98 | 34.84 | 28.61 | 21.74 | 22.46 |
Operating CF per Share |
72.28 | 57.15 | 38.04 | 27.69 | 12.98 | 23.23 | 25.17 | 20.15 | 13.34 | 11.85 |
Capex per Share |
(1.87) | (1.61) | (1.47) | (1.35) | (0.82) | (0.92) | (0.59) | (0.43) | (0.45) | (0.43) |
Free Cash Flow per Share |
70.40 | 55.54 | 36.57 | 26.34 | 12.16 | 22.30 | 24.58 | 19.72 | 12.89 | 11.42 |
Cash per Share |
16.21 | 11.99 | 12.31 | 5.52 | 6.21 | 11.57 | 2.40 | 1.48 | 2.93 | 2.00 |
Shareholders Equity per Share |
53.11 | 44.46 | 40.43 | 36.73 | 30.07 | 28.81 | 11.17 | 10.23 | 8.40 | 7.28 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
53.11 | 44.46 | 40.43 | 36.73 | 30.07 | 28.81 | 11.17 | 10.23 | 8.40 | 7.28 |
Free Cash Flow |
1,771.98 | 1,495.15 | 1,121.63 | 850.37 | 442.19 | 711.38 | 828.58 | 670.18 | 431.95 | 378.98 |
Working Capital |
5,367.85 | 4,307.83 | 3,721.17 | 2,970.85 | 2,009.92 | 1,456.36 | 1,001.56 | 768.00 | 741.53 | 561.05 |
Capital Expenditures |
(47.14) | (43.42) | (45.24) | (43.63) | (29.67) | (29.49) | (20.06) | (14.66) | (15.23) | (14.40) |
Net Current Asset Value |
869.47 | 744.35 | 777.36 | 712.19 | 625.52 | 461.77 | 10.38 | (97.72) | (47.01) | (88.87) |
EV/EBIT |
10.88 | 9.96 | 10.09 | 8.67 | 6.41 | 3.82 | 6.94 | 8.37 | 10.46 | 8.43 |
Capex to Sales |
0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 |
Price to Operating Income |
5.35 | 4.41 | 4.01 | 3.25 | 3.60 | 2.21 | 3.27 | 3.77 | 4.52 | 3.62 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.44 | 0.47 | 0.44 | 0.46 | 0.53 | 0.41 | 0.39 | 0.44 | 0.42 | 0.48 |
Cash ROIC |
28.38% | 29.41% | 24.59% | 23.47% | 16.36% | 31.84% | 57.19% | 53.36% | 36.97% | 39.57% |
Accounts Receivable Turnover |
27.86 | 24.10 | 18.73 | 16.27 | 16.81 | 20.68 | 19.11 | 22.52 | 30.73 | 33.08 |
Accounts Payable Turnover |
4.75 | 4.42 | 3.86 | 3.49 | 1.31 | 3.25 | 5.92 | 6.35 | 4.75 | 4.56 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
84.48 | 80.86 | 107.38 | 117.03 | 310.21 | 113.35 | 73.96 | 59.11 | 79.63 | 79.76 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
113.11 | 110.28 | 113.06 | 106.69 | 71.84 | 52.40 | 61.48 | 43.19 | 23.72 | 22.54 |
Average Payables |
277.91 | 255.56 | 229.74 | 177.21 | 140.09 | 123.12 | 101.84 | 79.32 | 74.40 | 71.91 |
Average Assets |
5,867.28 | 4,925.83 | 4,183.21 | 3,271.19 | 2,434.78 | 1,841.21 | 1,454.35 | 1,246.91 | 1,068.67 | 909.21 |
Average Common Equity |
1,266.82 | 1,218.55 | 1,213.16 | 1,139.60 | 1,005.94 | 647.72 | 362.19 | 314.73 | 261.69 | 223.83 |
Columns are period end dates · fundamentals updated 2 Nov 2026