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STOCKS

Enova International (ENVA)

NYSE:ENVA

ENVA

Enova International

RESEARCH TOOLSreports

Enova International (ENVA) Ratios

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705 Followers

Enova International Ratios

ENVA's free cash flow for Q4 2025 was $0.60. For the 2025 fiscal year, ENVA's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.23	0.23	9.96	15.79	16.67
Quick Ratio	0.23	0.23	9.96	15.79	16.67
Cash Ratio	0.23	0.23	0.15	1.45	0.51
Solvency Ratio	0.07	0.07	0.06	0.06	0.09
Operating Cash Flow Ratio	5.95	5.95	3.18	4.47	4.51
Short-Term Operating Cash Flow Coverage	0.00	0.00	6.59	52.23	0.00
Net Current Asset Value	$ -5.06B	$ -5.06B	$ 744.35M	$ 777.36M	$ 712.19M
Leverage Ratios
Debt-to-Assets Ratio	0.71	0.71	0.68	0.65	0.61
Debt-to-Equity Ratio	3.41	3.41	3.00	2.41	1.93
Debt-to-Capital Ratio	0.77	0.77	0.75	0.71	0.66
Long-Term Debt-to-Capital Ratio	0.77	0.77	0.74	0.70	0.66
Financial Leverage Ratio	4.84	4.84	4.40	3.70	3.19
Debt Service Coverage Ratio	2.58	2.58	1.17	0.98	2.07
Interest Coverage Ratio	4.36	4.36	0.00	2.17	3.31
Debt to Market Cap	1.32	1.16	1.38	1.75	1.82
Interest Debt Per Share	191.13	191.13	133.57	103.80	74.58
Net Debt to EBITDA	8.48	8.48	10.53	9.84	7.19
Profitability Margins
Gross Profit Margin	50.13%	50.13%	46.62%	48.88%	57.70%
EBIT Margin	15.48%	15.48%	11.07%	10.74%	15.44%
EBITDA Margin	16.81%	16.81%	12.59%	12.54%	17.57%
Operating Profit Margin	23.46%	23.46%	22.00%	19.93%	22.12%
Pretax Profit Margin	12.72%	12.72%	10.20%	10.73%	15.70%
Net Profit Margin	9.78%	9.78%	7.88%	8.27%	11.95%
Continuous Operations Profit Margin	9.78%	9.78%	7.88%	8.27%	11.95%
Net Income Per EBT	76.90%	76.90%	77.26%	77.06%	76.10%
EBT Per EBIT	54.24%	54.24%	46.36%	53.83%	70.98%
Return on Assets (ROA)	4.77%	4.77%	3.98%	3.82%	5.49%
Return on Equity (ROE)	24.45%	23.07%	17.50%	14.12%	17.49%
Return on Capital Employed (ROCE)	12.00%	12.00%	12.23%	9.76%	10.72%
Return on Invested Capital (ROIC)	247.28%	247.28%	9.01%	7.48%	8.16%
Return on Tangible Assets	4.99%	4.99%	4.21%	4.08%	5.97%
Earnings Yield	9.17%	7.92%	8.11%	10.31%	16.74%
Efficiency Ratios
Receivables Turnover	0.57	0.57	41.69	0.58	0.55
Payables Turnover	0.00	0.00	24.07	24.98	23.86
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	17.40	17.40	19.24	17.22	15.42
Asset Turnover	0.49	0.49	0.50	0.46	0.46
Working Capital Turnover Ratio	1.26	1.54	0.65	0.61	0.66
Cash Conversion Cycle	638.41	638.41	-6.41	618.53	642.46
Days of Sales Outstanding	638.41	638.41	8.76	633.14	657.75
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	15.17	14.61	15.30
Operating Cycle	638.41	638.41	8.76	633.14	657.75
Cash Flow Ratios
Operating Cash Flow Per Share	73.48	73.48	57.15	38.04	27.69
Free Cash Flow Per Share	71.57	71.57	55.54	36.57	26.34
CapEx Per Share	1.90	1.90	1.61	1.47	1.35
Free Cash Flow to Operating Cash Flow	0.97	0.97	0.97	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	38.59	38.59	35.43	25.79	20.49
Capital Expenditure Coverage Ratio	38.59	38.59	35.43	25.79	20.49
Operating Cash Flow Coverage Ratio	0.40	0.40	0.43	0.39	0.39
Operating Cash Flow to Sales Ratio	0.58	0.58	0.58	0.55	0.51
Free Cash Flow Yield	52.16%	45.53%	57.93%	66.05%	68.64%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.00	12.62	12.32	9.70	5.97
Price-to-Sales (P/S) Ratio	1.09	1.23	0.97	0.80	0.71
Price-to-Book (P/B) Ratio	2.54	2.91	2.16	1.37	1.04
Price-to-Free Cash Flow (P/FCF) Ratio	1.93	2.20	1.73	1.51	1.46
Price-to-Operating Cash Flow Ratio	1.86	2.14	1.68	1.46	1.39
Price-to-Earnings Growth (PEG) Ratio	1.69	0.22	0.34	-0.88	-0.67
Price-to-Fair Value	2.54	2.91	2.16	1.37	1.04
Enterprise Value Multiple	14.94	15.82	18.24	16.23	11.25
Enterprise Value	7.89B	8.38B	6.10B	4.31B	3.43B
EV to EBITDA	14.89	15.82	18.24	16.23	11.25
EV to Sales	2.50	2.66	2.30	2.04	1.98
EV to Free Cash Flow	4.45	4.73	4.08	3.84	4.03
EV to Operating Cash Flow	4.34	4.61	3.97	3.69	3.84
Tangible Book Value Per Share	42.56	42.56	33.68	30.71	27.24
Shareholders’ Equity Per Share	53.99	53.99	44.46	40.43	36.73
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.23	0.23	0.24
Revenue Per Share	127.30	127.30	98.73	69.04	53.77
Net Income Per Share	12.46	12.46	7.78	5.71	6.42
Tax Burden	0.77	0.77	0.77	0.77	0.76
Interest Burden	0.82	0.82	0.92	1.00	1.02
Research & Development to Revenue	0.02	0.02	0.00	0.00	0.00
SG&A to Revenue	0.05	0.05	0.06	0.08	0.08
Stock-Based Compensation to Revenue	<0.01	0.00	0.01	0.01	0.01
Income Quality	5.90	5.90	7.35	6.66	4.31

Currency in USD