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STOCKS

Enova International (ENVA)

NYSE:ENVA

ENVA

Enova International

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ENVA Statistics

Enova International (ENVA) Ratios

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Enova International Ratios

ENVA's free cash flow for Q4 2024 was $0.46. For the 2024 fiscal year, ENVA's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.15	15.79	16.67	14.70	13.03
Quick Ratio	0.15	15.79	16.67	-0.05	-0.25
Cash Ratio	0.15	0.21	0.51	1.06	2.35
Solvency Ratio	0.06	0.06	0.60	0.63	0.91
Operating Cash Flow Ratio	3.18	4.47	4.51	3.02	5.85
Short-Term Operating Cash Flow Coverage	6.59	52.23	0.00	0.00	0.00
Net Current Asset Value	$ -4.00B	$ 777.36M	$ 712.19M	$ 625.52M	$ 461.77M
Leverage Ratios
Debt-to-Assets Ratio	0.68	0.65	0.61	0.52	0.48
Debt-to-Equity Ratio	3.00	2.40	1.93	1.30	1.11
Debt-to-Capital Ratio	0.75	0.71	0.66	0.57	0.53
Long-Term Debt-to-Capital Ratio	0.74	0.70	0.66	0.56	0.51
Financial Leverage Ratio	4.40	3.70	3.19	2.53	2.30
Debt Service Coverage Ratio	-4.78	0.98	3.07	4.81	3.93
Interest Coverage Ratio	-2.01	2.17	3.31	5.40	1.24
Debt to Market Cap	1.38	1.75	1.82	0.93	1.20
Interest Debt Per Share	122.78	103.21	74.58	41.32	34.52
Net Debt to EBITDA	10.53	10.98	5.21	2.81	1.80
Profitability Margins
Gross Profit Margin	46.62%	48.88%	64.37%	78.46%	55.13%
EBIT Margin	11.07%	10.74%	15.44%	27.86%	25.02%
EBITDA Margin	12.59%	12.54%	24.24%	37.12%	36.68%
Operating Profit Margin	22.00%	19.93%	22.12%	34.20%	9.91%
Pretax Profit Margin	10.20%	10.73%	15.70%	27.91%	40.18%
Net Profit Margin	7.88%	8.27%	11.95%	21.22%	34.87%
Continuous Operations Profit Margin	7.88%	8.27%	11.95%	21.28%	34.90%
Net Income Per EBT	77.26%	77.06%	76.10%	76.02%	86.78%
EBT Per EBIT	46.36%	53.83%	70.98%	81.62%	405.34%
Return on Assets (ROA)	3.98%	3.82%	5.49%	9.28%	17.92%
Return on Equity (ROE)	17.50%	14.12%	17.49%	23.45%	41.19%
Return on Capital Employed (ROCE)	12.23%	9.76%	10.72%	15.85%	5.42%
Return on Invested Capital (ROIC)	158.80%	7.48%	8.16%	12.09%	4.71%
Return on Tangible Assets	4.21%	4.08%	5.97%	10.47%	20.83%
Earnings Yield	8.11%	10.31%	16.74%	17.21%	47.82%
Efficiency Ratios
Receivables Turnover	0.00	0.58	0.55	0.58	0.85
Payables Turnover	24.07	24.98	20.10	7.00	18.20
Inventory Turnover	0.00	0.00	0.00	0.11	0.29
Fixed Asset Turnover	19.24	17.22	15.42	11.90	9.07
Asset Turnover	0.50	0.46	0.46	0.44	0.51
Working Capital Turnover Ratio	1.54	0.61	0.66	0.66	0.83
Cash Conversion Cycle	-15.17	618.53	639.59	3.80K	1.67K
Days of Sales Outstanding	0.00	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	15.17	14.61	18.16	52.15	20.06
Operating Cycle	0.00	633.14	657.75	3.85K	1.69K
Cash Flow Ratios
Operating Cash Flow Per Share	57.15	38.04	27.69	12.98	23.23
Free Cash Flow Per Share	55.54	36.57	26.34	12.16	22.30
CapEx Per Share	1.61	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	35.43	25.79	20.49	15.90	25.12
Capital Expenditure Coverage Ratio	35.43	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	57.93%	66.05%	68.64%	29.70%	90.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.32	9.70	5.97	5.81	2.09
Price-to-Sales (P/S) Ratio	0.97	0.80	0.71	1.23	0.73
Price-to-Book (P/B) Ratio	2.16	1.37	1.04	1.36	0.86
Price-to-Free Cash Flow (P/FCF) Ratio	1.73	1.51	1.46	3.37	1.11
Price-to-Operating Cash Flow Ratio	1.68	1.46	1.39	3.16	1.07
Price-to-Earnings Growth (PEG) Ratio	0.34	-0.88	-0.67	-0.14	<0.01
Price-to-Fair Value	2.16	1.37	1.04	1.36	0.86
Enterprise Value Multiple	18.24	17.38	8.15	6.13	3.79
EV to EBITDA	18.24	17.38	8.15	6.13	3.79
EV to Sales	2.30	2.18	1.98	2.28	1.39
EV to Free Cash Flow	4.08	4.11	4.03	6.22	2.12
EV to Operating Cash Flow	3.97	3.95	3.84	5.83	2.03
Tangible Book Value Per Share	33.68	30.71	27.24	21.41	19.59
Shareholders’ Equity Per Share	44.46	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	98.73	69.04	53.77	33.23	33.98
Net Income Per Share	7.78	5.71	6.42	7.05	11.85
Tax Burden	0.77	0.77	0.76	0.76	0.87
Interest Burden	0.92	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	0.06	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	7.35	6.66	4.31	1.84	1.96

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