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