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STOCKS

Enova International Inc. (ENVA)

:ENVA

ENVA

Enova International

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Enova International (ENVA) Ratios

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Enova International Ratios

ENVA's free cash flow for Q2 2025 was $-0.45. For the 2025 fiscal year, ENVA's free cash flow was decreased by $ and operating cash flow was $0.24. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	15.79	16.67	14.70	13.03
Quick Ratio	0.00	15.79	16.67	-0.05	-0.25
Cash Ratio	0.00	0.21	0.51	1.06	2.35
Solvency Ratio	0.07	0.06	0.60	0.63	0.91
Operating Cash Flow Ratio	0.00	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	$ -4.44B	$ 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	3.23	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	4.66	3.70	3.19	2.53	2.30
Debt Service Coverage Ratio	-1.45	0.98	3.07	4.81	3.93
Interest Coverage Ratio	-4.07	2.17	3.31	5.40	1.24
Debt to Market Cap	1.47	1.75	1.82	0.93	1.20
Interest Debt Per Share	149.11	103.21	74.58	41.32	34.52
Net Debt to EBITDA	12.80	10.98	5.21	2.81	1.80
Profitability Margins
Gross Profit Margin	22.52%	48.88%	64.37%	78.46%	55.13%
EBIT Margin	14.70%	10.74%	15.44%	27.86%	25.02%
EBITDA Margin	10.42%	12.54%	24.24%	37.12%	36.68%
Operating Profit Margin	22.70%	19.93%	22.12%	34.20%	9.91%
Pretax Profit Margin	11.09%	10.73%	15.70%	27.91%	40.18%
Net Profit Margin	8.75%	8.27%	11.95%	21.22%	34.87%
Continuous Operations Profit Margin	8.75%	8.27%	11.95%	21.28%	34.90%
Net Income Per EBT	78.84%	77.06%	76.10%	76.02%	86.78%
EBT Per EBIT	48.87%	53.83%	70.98%	81.62%	405.34%
Return on Assets (ROA)	4.48%	3.82%	5.49%	9.28%	17.92%
Return on Equity (ROE)	21.35%	14.12%	17.49%	23.45%	41.19%
Return on Capital Employed (ROCE)	11.61%	9.76%	10.72%	15.85%	5.42%
Return on Invested Capital (ROIC)	100.84%	7.48%	8.16%	12.09%	4.71%
Return on Tangible Assets	4.71%	4.08%	5.97%	10.47%	20.83%
Earnings Yield	9.50%	10.31%	16.74%	17.21%	47.82%
Efficiency Ratios
Receivables Turnover	0.00	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	16.44	17.22	15.42	11.90	9.07
Asset Turnover	0.51	0.46	0.46	0.44	0.51
Working Capital Turnover Ratio	52.74	0.61	0.66	0.66	0.83
Cash Conversion Cycle	0.00	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	0.00	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	65.43	38.04	27.69	12.98	23.23
Free Cash Flow Per Share	63.66	36.57	26.34	12.16	22.30
CapEx Per Share	1.77	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	36.89	25.79	20.49	15.90	25.12
Capital Expenditure Coverage Ratio	36.89	25.79	20.49	15.90	25.12
Operating Cash Flow Coverage Ratio	0.42	0.39	0.39	0.33	0.73
Operating Cash Flow to Sales Ratio	0.57	0.55	0.51	0.39	0.68
Free Cash Flow Yield	60.44%	66.05%	68.64%	29.70%	90.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.61	9.70	5.97	5.81	2.09
Price-to-Sales (P/S) Ratio	0.92	0.80	0.71	1.23	0.73
Price-to-Book (P/B) Ratio	2.21	1.37	1.04	1.36	0.86
Price-to-Free Cash Flow (P/FCF) Ratio	1.67	1.51	1.46	3.37	1.11
Price-to-Operating Cash Flow Ratio	1.63	1.46	1.39	3.16	1.07
Price-to-Earnings Growth (PEG) Ratio	0.94	-0.88	-0.67	-0.14	<0.01
Price-to-Fair Value	2.21	1.37	1.04	1.36	0.86
Enterprise Value Multiple	21.66	17.38	8.15	6.13	3.79
Enterprise Value	6.59B	4.61B	3.43B	2.75B	1.51B
EV to EBITDA	21.59	17.38	8.15	6.13	3.79
EV to Sales	2.25	2.18	1.98	2.28	1.39
EV to Free Cash Flow	4.06	4.11	4.03	6.22	2.12
EV to Operating Cash Flow	3.95	3.95	3.84	5.83	2.03
Tangible Book Value Per Share	36.98	30.71	27.24	21.41	19.59
Shareholders’ Equity Per Share	48.21	40.43	36.73	30.07	28.76
Tax and Other Ratios
Effective Tax Rate	0.21	0.23	0.24	0.24	0.13
Revenue Per Share	114.93	69.04	53.77	33.23	33.98
Net Income Per Share	10.05	5.71	6.42	7.05	11.85
Tax Burden	0.79	0.77	0.76	0.76	0.87
Interest Burden	0.75	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	15.57	6.66	4.31	1.84	1.96

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