Saturday 17 October 2026
Export ENVA’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 21.6%, EPS grew 40.2%, free cash flow grew 21.9% and total debt rose 26.5%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three.
177.89
0.37
+0.21%
Follow ENVA
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
16.85 | 10.38 | 12.82 | 10.00 |
+8 more quarters Free account |
P/S ratio |
1.74 | 1.03 | 1.26 | 0.94 | |
P/FCF ratio |
3.07 | 1.82 | 2.23 | 1.68 | |
P/Operating CF |
11.01 | 7.12 | 7.93 | 5.96 | |
P/B ratio |
4.00 | 2.41 | 2.96 | 2.24 | |
Price to Tangible BV |
4.93 | 3.02 | 3.75 | 2.87 | |
EV/Sales |
3.06 | 2.37 | 2.55 | 2.18 | |
EV/EBITDA |
11.93 | 9.36 | 10.09 | 8.63 | |
EV/Operating CF |
5.27 | 4.09 | 4.42 | 3.78 | |
EV/FCF |
5.40 | 4.19 | 4.54 | 3.88 | |
Quick Ratio |
1.58 | 1.71 | 1.57 | 1.71 | |
Current Ratio |
18.42 | 20.42 | 17.76 | 19.29 | |
Net Debt/EBITDA |
18.20 | 20.02 | 20.46 | 17.56 | |
Debt/Assets |
69.42% | 70.27% | 69.54% | 68.87% | |
Debt/Equity |
3.35 | 3.45 | 3.37 | 3.20 | |
Asset Turnover |
0.53 | 0.53 | 0.54 | 0.56 | |
Operating CF/Net income |
5.18 | 5.21 | 6.32 | 6.00 | |
Capex/Depreciation |
(0.99) | (0.81) | (0.88) | (0.68) | |
Interest Coverage |
2.42 | 2.20 | 2.10 | 2.26 | |
Research and Development Expense of Revenue |
8.06% | 8.66% | 8.04% | 8.04% | |
Selling, General and Administrative Expense of Revenue |
26.66% | 27.10% | 28.43% | 23.30% | |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.04 | 0.05 | |
Share Based Compensation of Revenue |
0.94% | 1.00% | 1.01% | 1.06% | |
Graham Net Nets |
0.17 | 0.28 | 0.22 | 0.29 | |
Graham Number |
139.09 | 128.78 | 121.04 | 115.42 | |
Earnings Yield |
5.94% | 9.63% | 7.80% | 10.00% | |
Free Cash Flow Yield |
32.60% | 54.98% | 44.79% | 59.37% | |
Revenue per Share |
37.33 | 35.18 | 33.35 | 32.17 | |
Operating CF per Share |
21.86 | 19.08 | 19.82 | 19.31 | |
Capex per Share |
(0.51) | (0.43) | (0.46) | (0.45) | |
Free Cash Flow per Share |
21.36 | 18.65 | 19.35 | 18.85 | |
Cash per Share |
18.70 | 16.94 | 16.21 | 14.30 | |
Shareholders Equity per Share |
60.17 | 56.36 | 53.11 | 51.44 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
60.17 | 56.36 | 53.11 | 51.44 | |
Free Cash Flow |
531.42 | 463.79 | 487.12 | 470.46 | |
Working Capital |
6,384.81 | 6,095.66 | 5,663.29 | 5,216.72 | |
Capital Expenditures |
(12.61) | (10.75) | (11.70) | (11.34) | |
Net Current Asset Value |
1,026.17 | 934.01 | 869.47 | 823.32 | |
EV/EBIT |
12.73 | 10.06 | 10.88 | 9.35 | |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | |
Price to Operating Income |
7.24 | 4.36 | 5.35 | 4.06 | |
| Other line items | |||||
Average Receivables |
113.45 | 117.45 | 113.11 | 133.64 | |
Average Payables |
296.20 | 259.77 | 277.91 | 256.22 | |
Average Assets |
6,473.47 | 6,167.25 | 5,867.28 | 5,468.97 | |
Average Common Equity |
1,362.88 | 1,299.22 | 1,266.82 | 1,231.18 |
Columns are period end dates