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STOCKS

Enova International (ENVA)

NYSE: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 Q1 2025 was $0.46. For the 2025 fiscal year, ENVA's free cash flow was decreased by $ and operating cash flow was $0.12. See a summary of the company’s cash flow.

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

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