stockrowEnova 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
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Enova International, Inc. (ENVA) Return on assets
Enova International, Inc.'s return on assets over the twelve months to 30 September 2026 was 5.60%, up 0.3 percentage points from fiscal 2025 (5.26%). Over the past ten years it has ranged from 2.52% (fiscal 2019) to 20.5% (fiscal 2020); the current reading is higher than 55% of that period. That is above the Credit Services industry median of 1.94% and above the Financial sector median of 1.15%.
Return on assets, annual
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Annual newest first
| Period | Return on assets | Change (points) |
|---|---|---|
| FY2025 | 5.26% | 1.01 |
| FY2024 | 4.25% | 0.06 |
| FY2023 | 4.19% | (2.15) |
| FY2022 | 6.34% | (4.19) |
| FY2021 | 10.5% | (9.99) |
| FY2020 | 20.5% | 18.00 |
| FY2019 | 2.52% | (3.10) |
| FY2018 | 5.62% | 2.88 |
| FY2017 | 2.74% | (1.07) |
| FY2016 | 3.81% | (1.69) |
Against its own ten years
Return on assets against peers
| Company | Return on assets |
|---|---|
| SEZL Sezzle Inc. compare | 43.0% |
| FCFS FirstCash Holdings, Inc. compare | 7.57% |
| ENVA Enova International, Inc. | 5.60% |
| CACC Credit Acceptance Corporation compare | 3.85% |
| OMF OneMain Holdings, Inc. compare | 2.75% |
| BFH Bread Financial Holdings, Inc. compare | 2.34% |
| NNI Nelnet, Inc. compare | 1.94% |
| SLM SLM Corporation compare | 1.86% |
| KLAR Klarna Group plc compare | −0.77% |
| Credit Services industry median | 1.94% |
| Financial sector median | 1.15% |
| Market median | 0.00% |
What Return on assets is
ROA tells an investor how much profit a company earns for shareholders from the assets it uses to run its business.
Annual: Net Income Allotted to Shareholders ÷ Average Assets; TTM: Net Income Allotted to Shareholders ÷ Average Assets (latest quarter)
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement