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Enova International (ENVA)
NYSE:ENVA
US Market
ENVA
Enova International
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Enova International (ENVA) Ratios

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Enova International Ratios

ENVA's free cash flow for Q3 2025 was $0.00. For the 2025 fiscal year, ENVA's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
 0.21 15.79 16.67 14.70 13.03
Quick Ratio
 0.21 15.79 16.67 -0.05 -0.25
Cash Ratio
 0.21 0.21 0.51 1.06 2.35
Solvency Ratio
 0.07 0.06 0.60 0.63 0.91
Operating Cash Flow Ratio
 6.92 4.47 4.51 3.02 5.85
Short-Term Operating Cash Flow Coverage
 0.00 52.23 0.00 0.00 0.00
Net Current Asset Value
$ -4.62B$ 777.36M$ 712.19M$ 625.52M$ 461.77M
Leverage Ratios
Debt-to-Assets Ratio
 0.69 0.65 0.61 0.52 0.48
Debt-to-Equity Ratio
 3.20 2.40 1.93 1.30 1.11
Debt-to-Capital Ratio
 0.76 0.71 0.66 0.57 0.53
Long-Term Debt-to-Capital Ratio
 0.76 0.70 0.66 0.56 0.51
Financial Leverage Ratio
 4.64 3.70 3.19 2.53 2.30
Debt Service Coverage Ratio
 6.64 0.98 3.07 4.81 3.93
Interest Coverage Ratio
 9.27 2.17 3.31 5.40 1.24
Debt to Market Cap
 1.36 1.75 1.82 0.93 1.20
Interest Debt Per Share
 167.62 103.21 74.58 41.32 34.52
Net Debt to EBITDA
 6.83 10.98 5.21 2.81 1.80
Profitability Margins
Gross Profit Margin
34.20%48.88%64.37%78.46%55.13%
EBIT Margin
18.10%10.74%15.44%27.86%25.02%
EBITDA Margin
19.51%12.54%24.24%37.12%36.68%
Operating Profit Margin
23.27%19.93%22.12%34.20%9.91%
Pretax Profit Margin
12.48%10.73%15.70%27.91%40.18%
Net Profit Margin
9.64%8.27%11.95%21.22%34.87%
Continuous Operations Profit Margin
9.64%8.27%11.95%21.28%34.90%
Net Income Per EBT
77.20%77.06%76.10%76.02%86.78%
EBT Per EBIT
53.62%53.83%70.98%81.62%405.34%
Return on Assets (ROA)
4.92%3.82%5.49%9.28%17.92%
Return on Equity (ROE)
23.90%14.12%17.49%23.45%41.19%
Return on Capital Employed (ROCE)
12.40%9.76%10.72%15.85%5.42%
Return on Invested Capital (ROIC)
207.85%7.48%8.16%12.09%4.71%
Return on Tangible Assets
5.16%4.08%5.97%10.47%20.83%
Earnings Yield
9.68%10.31%16.74%17.21%47.82%
Efficiency Ratios
Receivables Turnover
 0.60 0.58 0.55 0.58 0.85
Payables Turnover
 0.00 24.98 20.10 7.00 18.20
Inventory Turnover
 0.00 0.00 0.00 0.11 0.29
Fixed Asset Turnover
 17.08 17.22 15.42 11.90 9.07
Asset Turnover
 0.51 0.46 0.46 0.44 0.51
Working Capital Turnover Ratio
 -15.16 0.61 0.66 0.66 0.83
Cash Conversion Cycle
 608.13 618.53 639.59 3.80K 1.67K
Days of Sales Outstanding
 608.13 633.14 657.75 624.91 431.72
Days of Inventory Outstanding
 0.00 0.00 0.00 3.23K 1.26K
Days of Payables Outstanding
 0.00 14.61 18.16 52.15 20.06
Operating Cycle
 608.13 633.14 657.75 3.85K 1.69K
Cash Flow Ratios
Operating Cash Flow Per Share
 70.16 38.04 27.69 12.98 23.23
Free Cash Flow Per Share
 68.33 36.57 26.34 12.16 22.30
CapEx Per Share
 1.83 1.47 1.35 0.82 0.92
Free Cash Flow to Operating Cash Flow
 0.97 0.96 0.95 0.94 0.96
Dividend Paid and CapEx Coverage Ratio
 38.38 25.79 20.49 15.90 25.12
Capital Expenditure Coverage Ratio
 38.38 25.79 20.49 15.90 25.12
Operating Cash Flow Coverage Ratio
 0.43 0.39 0.39 0.33 0.73
Operating Cash Flow to Sales Ratio
 0.58 0.55 0.51 0.39 0.68
Free Cash Flow Yield
56.64%66.05%68.64%29.70%90.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.33 9.70 5.97 5.81 2.09
Price-to-Sales (P/S) Ratio
 0.99 0.80 0.71 1.23 0.73
Price-to-Book (P/B) Ratio
 2.36 1.37 1.04 1.36 0.86
Price-to-Free Cash Flow (P/FCF) Ratio
 1.77 1.51 1.46 3.37 1.11
Price-to-Operating Cash Flow Ratio
 1.73 1.46 1.39 3.16 1.07
Price-to-Earnings Growth (PEG) Ratio
 0.65 -0.88 -0.67 -0.14 <0.01
Price-to-Fair Value
 2.36 1.37 1.04 1.36 0.86
Enterprise Value Multiple
 11.90 17.38 8.15 6.13 3.79
Enterprise Value
 7.06B 4.61B 3.43B 2.75B 1.51B
EV to EBITDA
 11.90 17.38 8.15 6.13 3.79
EV to Sales
 2.32 2.18 1.98 2.28 1.39
EV to Free Cash Flow
 4.14 4.11 4.03 6.22 2.12
EV to Operating Cash Flow
 4.03 3.95 3.84 5.83 2.03
Tangible Book Value Per Share
 40.05 30.71 27.24 21.41 19.59
Shareholders’ Equity Per Share
 51.44 40.43 36.73 30.07 28.76
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.24 0.24 0.13
Revenue Per Share
 121.89 69.04 53.77 33.23 33.98
Net Income Per Share
 11.75 5.71 6.42 7.05 11.85
Tax Burden
 0.77 0.77 0.76 0.76 0.87
Interest Burden
 0.69 1.00 1.02 1.00 1.61
Research & Development to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
SG&A to Revenue
 0.05 0.08 0.08 0.13 0.13
Stock-Based Compensation to Revenue
 <0.01 0.01 0.01 0.02 0.02
Income Quality
 27.49 6.66 4.31 1.84 1.96
Currency in USD

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