Enova International, Inc. ENVA

Financial — Credit Services

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 '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	12.82	12.29	9.70	6.02	5.82	2.16	22.28	9.40	17.78	12.62
P/S ratio Full definition →	1.26	0.97	0.80	0.72	1.23	0.73	0.69	0.68	0.72	0.59
P/FCF ratio Full definition →	2.23	1.73	1.51	1.47	3.37	1.11	0.98	0.99	1.21	1.16
P/Operating CF Full definition →	7.93	6.00	5.38	4.63	10.15	6.72	3.34	3.05	3.86	4.75
P/B ratio Full definition →	2.96	2.16	1.36	1.05	1.36	0.86	2.15	1.90	1.86	1.82
Price to Tangible BV Full definition →	3.75	2.85	1.80	1.42	1.91	1.26	7.55	8.54	50.70	0.00
EV/Sales Full definition →	2.55	2.19	2.01	1.92	2.19	1.26	1.47	1.51	1.67	1.37
EV/EBITDA Full definition →	10.09	9.09	9.05	7.80	5.82	3.50	6.39	7.50	8.89	7.11
EV/Operating CF Full definition →	4.42	3.78	3.65	3.72	5.61	1.85	2.03	2.15	2.72	2.60
EV/FCF Full definition →	4.54	3.89	3.80	3.91	5.99	1.92	2.08	2.19	2.81	2.70
Quick Ratio Full definition →	0.84	0.84	1.23	0.86	1.16	2.10	0.70	0.90	1.41	0.99
Current Ratio Full definition →	9.48	9.52	10.27	9.84	8.08	8.48	5.85	7.35	9.31	7.50
Net Debt/EBITDA Full definition →	5.13	5.06	5.46	4.88	2.55	1.48	3.38	4.12	5.05	4.05
Debt/Assets Full definition →	69.54%	67.67%	64.20%	59.74%	50.13%	44.90%	62.96%	64.30%	68.01%	66.46%
Debt/Equity Full definition →	3.37	2.98	2.37	1.90	1.27	1.03	2.63	2.47	2.80	2.69
Asset Turnover Full definition →	0.54	0.54	0.51	0.53	0.50	0.59	0.81	0.78	0.68	0.82
Operating CF/Net income Full definition →	5.90	7.35	6.66	4.31	1.84	1.96	23.18	9.77	15.29	11.37
Capex/Depreciation Full definition →	(0.81)	(0.78)	(0.94)	(1.02)	(0.71)	(0.91)	(0.95)	(0.72)	(0.74)	(0.64)
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 →	24.34%	17.19%	14.44%	18.20%	25.48%	58.33%	10.11%	22.27%	11.17%	15.46%
ROA Full definition →	5.26%	4.25%	4.19%	6.34%	10.53%	20.52%	2.52%	5.62%	2.74%	3.81%
ROIC Full definition →	8.52%	8.24%	6.93%	7.35%	11.47%	14.95%	12.06%	9.50%	7.47%	9.20%
Return on Tangible Assets Full definition →	5.61%	4.73%	4.57%	6.77%	12.27%	24.60%	3.47%	8.61%	3.70%	5.69%
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	1.05%	1.20%	1.26%	1.26%	1.75%	1.66%	1.02%	1.20%	1.55%	1.14%
Graham Net Nets Full definition →	0.22	0.29	0.46	0.57	0.42	0.58	0.01	(0.15)	(0.09)	(0.20)
Graham Number Full definition →	121.04	88.34	71.95	72.84	69.01	86.26	16.48	21.83	12.90	13.12
Earnings Yield Full definition →	7.80%	8.14%	10.31%	16.62%	17.19%	46.35%	4.49%	10.64%	5.62%	7.92%
Free Cash Flow Yield Full definition →	44.79%	57.93%	66.28%	68.17%	29.70%	90.04%	102.14%	101.31%	82.33%	86.17%
Revenue per Share Full definition →	125.22	98.73	69.04	53.77	33.23	33.98	34.84	28.61	21.74	22.46
Operating CF per Share Full definition →	72.28	57.15	38.04	27.69	12.98	23.23	25.17	20.15	13.34	11.85
Capex per Share Full definition →	(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 Full definition →	70.40	55.54	36.57	26.34	12.16	22.30	24.58	19.72	12.89	11.42
Cash per Share Full definition →	16.21	11.99	12.31	5.52	6.21	11.57	2.40	1.48	2.93	2.00
Shareholders Equity per Share Full definition →	53.11	44.46	40.43	36.73	30.07	28.81	11.17	10.23	8.40	7.28
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 →	53.11	44.46	40.43	36.73	30.07	28.81	11.17	10.23	8.40	7.28
Free Cash Flow Full definition →	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 Full definition →	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 Full definition →	(47.14)	(43.42)	(45.24)	(43.63)	(29.67)	(29.49)	(20.06)	(14.66)	(15.23)	(14.40)
Net Current Asset Value Full definition →	869.47	744.35	777.36	712.19	625.52	461.77	10.38	(97.72)	(47.01)	(88.87)
EV/EBIT Full definition →	10.88	9.96	10.09	8.67	6.41	3.82	6.94	8.37	10.46	8.43
Capex to Sales Full definition →	0.02	0.02	0.02	0.03	0.02	0.03	0.02	0.02	0.02	0.02
Net Profit Margin Full definition →	9.78%	7.88%	8.27%	11.95%	21.22%	34.87%	3.12%	7.21%	4.01%	4.64%
Price to Operating Income Full definition →	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 Full definition →	0.44	0.47	0.44	0.46	0.53	0.41	0.39	0.44	0.42	0.48
Cash ROIC Full definition →	27.02%	27.91%	23.20%	22.10%	14.55%	29.60%	54.81%	50.86%	34.12%	36.15%
Accounts Receivable Turnover Full definition →	27.86	24.10	18.73	16.27	16.81	20.68	19.11	22.52	30.73	33.08
Accounts Payable Turnover Full definition →	4.75	4.42	3.86	3.49	1.31	3.25	5.92	6.35	4.75	4.56
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 →	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 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 →	113.11	110.28	113.06	106.69	71.84	52.40	61.48	43.19	23.72	22.54
Average Payables Full definition →	277.91	255.56	229.74	177.21	140.09	123.12	101.84	79.32	74.40	71.91
Average Assets Full definition →	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 Full definition →	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

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Enova International, Inc. ENVA

Enova International, Inc. ENVA

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