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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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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
12.82 | 10.38 | 16.85 | 10.87 |
P/S ratio |
1.26 | 1.03 | 1.74 | 1.14 | |
P/FCF ratio |
2.23 | 1.82 | 3.07 | 2.07 | |
P/Operating CF |
7.93 | 7.12 | 11.01 | 7.76 | |
P/B ratio |
2.96 | 2.41 | 4.00 | 2.65 | |
Price to Tangible BV |
3.75 | 3.02 | 4.93 | 3.23 | |
EV/Sales |
2.55 | 2.37 | 3.06 | — | |
EV/EBITDA |
10.09 | 9.36 | 11.93 | — | |
EV/Operating CF |
4.42 | 4.09 | 5.27 | — | |
EV/FCF |
4.54 | 4.19 | 5.40 | — | |
Quick Ratio |
1.57 | 1.71 | 1.58 | 1.63 | |
Current Ratio |
17.76 | 20.42 | 18.42 | 18.91 | |
Net Debt/EBITDA |
20.46 | 20.02 | 18.20 | 18.59 | |
Debt/Assets |
69.54% | 70.27% | 69.42% | 69.87% | |
Debt/Equity |
3.37 | 3.45 | 3.35 | 3.43 | |
Asset Turnover |
0.54 | 0.53 | 0.53 | 0.53 | |
Operating CF/Net income |
6.32 | 5.21 | 5.18 | 4.99 | |
Capex/Depreciation |
(0.88) | (0.81) | (0.99) | (0.76) | |
Interest Coverage |
2.10 | 2.20 | 2.42 | 2.39 | |
Research and Development Expense of Revenue |
8.04% | 8.66% | 8.06% | 8.00% | |
Selling, General and Administrative Expense of Revenue |
28.43% | 27.10% | 26.66% | 27.33% | |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.04 | |
Share Based Compensation of Revenue |
1.01% | 1.00% | 0.94% | 0.93% | |
Graham Net Nets |
0.22 | 0.28 | 0.17 | 0.26 | |
Graham Number |
121.04 | 128.78 | 139.09 | 147.72 | |
Earnings Yield |
7.80% | 9.63% | 5.94% | 9.20% | |
Free Cash Flow Yield |
44.79% | 54.98% | 32.60% | 48.27% | |
Revenue per Share |
33.35 | 35.18 | 37.33 | 40.57 | |
Operating CF per Share |
19.82 | 19.08 | 21.86 | 21.53 | |
Capex per Share |
(0.46) | (0.43) | (0.51) | (0.47) | |
Free Cash Flow per Share |
19.35 | 18.65 | 21.36 | 21.07 | |
Cash per Share |
16.21 | 16.94 | 18.70 | 19.96 | |
Shareholders Equity per Share |
53.11 | 56.36 | 60.17 | 63.06 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
53.11 | 56.36 | 60.17 | 63.06 | |
Free Cash Flow |
487.12 | 463.79 | 531.42 | 523.99 | |
Working Capital |
5,663.29 | 6,095.66 | 6,384.81 | 6,837.33 | |
Capital Expenditures |
(11.70) | (10.75) | (12.61) | (11.62) | |
Net Current Asset Value |
869.47 | 934.01 | 1,026.17 | 1,092.09 | |
EV/EBIT |
10.88 | 10.06 | 12.73 | — | |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | |
Price to Operating Income |
5.35 | 4.36 | 7.24 | 4.73 | |
| Other line items | |||||
Average Receivables |
113.11 | 117.45 | 113.45 | 129.34 | |
Average Payables |
277.91 | 259.77 | 296.20 | 301.04 | |
Average Assets |
5,867.28 | 6,167.25 | 6,473.47 | 6,828.88 | |
Average Common Equity |
1,266.82 | 1,299.22 | 1,362.88 | 1,426.15 |
Columns are period end dates · fundamentals updated 2 Nov 2026