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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

175.18 0.90 +0.52%
Market cap
$4.3B
P/E
11.3×
Fwd P/E
11.0×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Enova International, Inc. (ENVA) Current ratio

Alert me on Current ratio

Enova International, Inc.'s current ratio at the end of the quarter to 30 September 2026 was 18.9×, up 9.4× from fiscal 2025 (9.5×). Over the past ten years it has ranged from 5.5× (fiscal 2015) to 10.3× (fiscal 2023); the current reading is higher than 73% of that period. That is above the Credit Services industry median of 1.3× and above the Financial sector median of 1.0×.

Current ratio, annual

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Annual newest first

Period Current ratio Change
FY2025 9.5× (0.45%)
FY2024 9.5× (7.30%)
FY2023 10.3× 4.34%
FY2022 9.8× 21.83%
FY2021 8.1× (4.78%)
FY2020 8.5× 45.02%
FY2019 5.8× (20.47%)
FY2018 7.4× (21.01%)
FY2017 9.3× 24.08%
FY2016 7.5× 36.43%

Quarterly newest first

Period Current ratio Change
Sep 2026 18.9× 2.66%
Jun 2026 18.4× (9.79%)
Mar 2026 20.4× 14.99%
Dec 2025 17.8× (7.95%)
43 more quarters

Against its own ten years

Low 5.5× High 10.3×
Ten-year median 8.5×
Current reading's percentile 73

Current ratio against peers

Company Current ratio
ENVA Enova International, Inc. 18.9×
CACC Credit Acceptance Corporation compare 13.5×
FCFS FirstCash Holdings, Inc. compare 4.8×
SEZL Sezzle Inc. compare 4.2×
SLM SLM Corporation compare 1.2×
BFH Bread Financial Holdings, Inc. compare 1.2×
KLAR Klarna Group plc compare 1.1×
NNI Nelnet, Inc. compare 0.0×
OMF OneMain Holdings, Inc. compare 0.0×
Credit Services industry median 1.3×
Financial sector median 1.0×
Market median 1.6×

What Current ratio is

Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.

Current Assets (Total) ÷ Current Liabilities (Total)

The full definition of Current ratio →

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