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StockUnited StatesNYSE

ENVA

Enova International, Inc.

Financial Services · Credit Services

165.07USD

-11.7100 (-6.62%)

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Fiscal Year End12/2025
Last Quarter End09/2026 Q3
Current/T12M(USD)
1)

Issue Data

Last PxUSD / 165.07
P/E10.6
Dvd Ind Yld0.0%
P/B2.57
P/S1.1
Curr EV/T12M EBITDA10.2
Mkt Cap (USD)4.0B
Curr EV (USD)9.3B
2)

Per Share Data

EPS T12M14.47
DPS4.63
Bk Val Per Sh60.16
Rev/Sh138.18
Cash/Sh4.80
Curr Shares Out24.5M
FCF/Sh75.90
3)

Cash Flow Analysis

P/CF2.0
Curr P/FCF2.0
CF/NI5.4
Dvd P/O32.0%
Cash Gen/Cash Reqd12.1
Csh Dvd Cov16.8
CFO/Sales56.2%
Eff Interest Rate8.1%
4)

Growth Potential

Dil EPS 1Y Gr55.0%
Cap 1Y Gr22.6%
BPS 1Y Gr17.6%
R&D To Sales—
Retention Rate68.0%
Rev 1Y Gr18.6%
FCF 1Y Gr18.5%
Assets 1Y Gr22.8%
5)

Profitability

EBITDA0.9B
EBIT0.9B
Operating Margin24.0%
Pretax Margin13.5%
Net Margin10.5%
ROA5.6%
ROE26.8%
ROC9.7%
Asset Turnover0.53
6)

Structure

Current Ratio6.88
Quick Ratio11.82
Debt/Assets70.3%
Debt/Com Eq344.8%
Net Debt/EBITDA5.80
Tot Debt/Capital77.5%
Gross Margin60.6%
EBIT/Int Exp2.3

Returns and turnover use the AVERAGE balance over the year, not the closing snapshot. Growth rates compare the two most recent fiscal years.