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Enova International (ENVA)
NYSE:ENVA
US Market
ENVA
Enova International
RESEARCH TOOLSreports

Enova International (ENVA) Ratios

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678 Followers

Enova International Ratios

ENVA's free cash flow for Q3 2025 was $0.47. For the 2025 fiscal year, ENVA's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 21.75 9.96 15.79 16.67 14.70
Quick Ratio
 21.75 9.96 15.79 16.67 -0.05
Cash Ratio
 0.21 0.15 0.21 0.51 1.06
Solvency Ratio
 0.07 0.06 0.06 0.60 0.63
Operating Cash Flow Ratio
 6.92 3.18 4.47 4.51 3.02
Short-Term Operating Cash Flow Coverage
 0.00 6.59 52.23 0.00 0.00
Net Current Asset Value
$ 823.32M$ 744.35M$ 777.36M$ 712.19M$ 625.52M
Leverage Ratios
Debt-to-Assets Ratio
 0.69 0.68 0.65 0.61 0.52
Debt-to-Equity Ratio
 3.22 3.00 2.40 1.93 1.30
Debt-to-Capital Ratio
 0.76 0.75 0.71 0.66 0.57
Long-Term Debt-to-Capital Ratio
 0.76 0.74 0.70 0.66 0.56
Financial Leverage Ratio
 4.64 4.40 3.70 3.19 2.53
Debt Service Coverage Ratio
 4.19 -4.78 0.98 3.07 4.81
Interest Coverage Ratio
 8.79 -2.01 2.17 3.31 5.40
Debt to Market Cap
 1.00 1.38 1.75 1.82 0.93
Interest Debt Per Share
 169.07 122.78 103.21 74.58 41.32
Net Debt to EBITDA
 9.64 10.53 10.98 5.21 2.81
Profitability Margins
Gross Profit Margin
46.49%46.62%48.88%64.37%78.46%
EBIT Margin
12.52%11.07%10.74%15.44%27.86%
EBITDA Margin
13.93%12.59%12.54%24.24%37.12%
Operating Profit Margin
23.27%22.00%19.93%22.12%34.20%
Pretax Profit Margin
12.48%10.20%10.73%15.70%27.91%
Net Profit Margin
9.64%7.88%8.27%11.95%21.22%
Continuous Operations Profit Margin
9.64%7.88%8.27%11.95%21.28%
Net Income Per EBT
77.20%77.26%77.06%76.10%76.02%
EBT Per EBIT
53.62%46.36%53.83%70.98%81.62%
Return on Assets (ROA)
4.92%3.98%3.82%5.49%9.28%
Return on Equity (ROE)
23.90%17.50%14.12%17.49%23.45%
Return on Capital Employed (ROCE)
12.40%12.23%9.76%10.72%15.85%
Return on Invested Capital (ROIC)
9.57%9.01%7.48%8.16%12.09%
Return on Tangible Assets
5.16%4.21%4.08%5.97%10.47%
Earnings Yield
7.12%8.11%10.31%16.74%17.21%
Efficiency Ratios
Receivables Turnover
 0.59 41.69 0.58 0.55 0.58
Payables Turnover
 6.44 24.07 24.98 20.10 7.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.11
Fixed Asset Turnover
 20.85 19.24 17.22 15.42 11.90
Asset Turnover
 0.51 0.50 0.46 0.46 0.44
Working Capital Turnover Ratio
 0.59 0.65 0.61 0.66 0.66
Cash Conversion Cycle
 560.65 -6.41 618.53 639.59 3.80K
Days of Sales Outstanding
 617.36 8.76 633.14 657.75 624.91
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 3.23K
Days of Payables Outstanding
 56.71 15.17 14.61 18.16 52.15
Operating Cycle
 617.36 8.76 633.14 657.75 3.85K
Cash Flow Ratios
Operating Cash Flow Per Share
 70.16 57.15 38.04 27.69 12.98
Free Cash Flow Per Share
 68.33 55.54 36.57 26.34 12.16
CapEx Per Share
 1.83 1.61 1.47 1.35 0.82
Free Cash Flow to Operating Cash Flow
 0.97 0.97 0.96 0.95 0.94
Dividend Paid and CapEx Coverage Ratio
 38.38 35.43 25.79 20.49 15.90
Capital Expenditure Coverage Ratio
 38.38 35.43 25.79 20.49 15.90
Operating Cash Flow Coverage Ratio
 0.42 0.43 0.39 0.39 0.33
Operating Cash Flow to Sales Ratio
 0.58 0.58 0.55 0.51 0.39
Free Cash Flow Yield
41.70%57.93%66.05%68.64%29.70%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.04 12.32 9.70 5.97 5.81
Price-to-Sales (P/S) Ratio
 1.34 0.97 0.80 0.71 1.23
Price-to-Book (P/B) Ratio
 3.20 2.16 1.37 1.04 1.36
Price-to-Free Cash Flow (P/FCF) Ratio
 2.40 1.73 1.51 1.46 3.37
Price-to-Operating Cash Flow Ratio
 2.35 1.68 1.46 1.39 3.16
Price-to-Earnings Growth (PEG) Ratio
 0.88 0.34 -0.88 -0.67 -0.14
Price-to-Fair Value
 3.20 2.16 1.37 1.04 1.36
Enterprise Value Multiple
 19.29 18.24 17.38 8.15 6.13
Enterprise Value
 8.17B 6.10B 4.61B 3.43B 2.75B
EV to EBITDA
 19.29 18.24 17.38 8.15 6.13
EV to Sales
 2.69 2.30 2.18 1.98 2.28
EV to Free Cash Flow
 4.79 4.08 4.11 4.03 6.22
EV to Operating Cash Flow
 4.67 3.97 3.95 3.84 5.83
Tangible Book Value Per Share
 40.05 33.68 30.71 27.24 21.41
Shareholders’ Equity Per Share
 51.44 44.46 40.43 36.73 30.07
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.23 0.24 0.24
Revenue Per Share
 121.89 98.73 69.04 53.77 33.23
Net Income Per Share
 11.75 7.78 5.71 6.42 7.05
Tax Burden
 0.77 0.77 0.77 0.76 0.76
Interest Burden
 1.00 0.92 1.00 1.02 1.00
Research & Development to Revenue
 0.00 0.00 0.00 <0.01 <0.01
SG&A to Revenue
 0.05 0.06 0.08 0.08 0.13
Stock-Based Compensation to Revenue
 0.01 0.01 0.01 0.01 0.02
Income Quality
 5.97 7.35 6.66 4.31 1.84
Currency in USD