17 years of historical data (2009–2025) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Enova International, Inc. trades at 12.0x earnings, 23% above its 5-year average of 9.8x, sitting at the 67th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 13%. On a free-cash-flow basis, the stock trades at 1.9x P/FCF, 10% below the 5-year average of 2.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.4B | $4.1B | $2.7B | $1.8B | $1.3B | $1.5B | $800M | $828M | $685M | $519M | $420M |
| Enterprise Value | $7.9B | $8.6B | $6.2B | $4.4B | $3.5B | $2.8B | $1.5B | $1.8B | $1.5B | $1.2B | $1.0B |
| P/E Ratio → | 12.01 | 13.58 | 12.90 | 10.08 | 6.20 | 6.03 | 2.12 | 6.47 | 9.78 | 17.67 | 12.18 |
| P/S Ratio | 1.09 | 1.31 | 1.02 | 0.83 | 0.74 | 1.28 | 0.74 | 0.70 | 0.70 | 0.71 | 0.56 |
| P/B Ratio | 2.74 | 3.10 | 2.26 | 1.42 | 1.08 | 1.41 | 0.87 | 2.20 | 1.97 | 1.84 | 1.74 |
| P/FCF | 1.94 | 2.34 | 1.81 | 1.58 | 1.51 | 3.50 | 1.12 | 0.97 | 1.02 | 1.20 | 1.11 |
| P/OCF | 1.89 | 2.28 | 1.76 | 1.51 | 1.44 | 3.28 | 1.08 | 0.95 | 1.00 | 1.16 | 1.07 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Enova International, Inc.'s enterprise value stands at 10.1x EBITDA, 12% above its 5-year average of 9.0x. The Financial Services sector median is 11.1x, placing the stock at a 9% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.72 | 2.34 | 2.07 | 2.00 | 2.32 | 1.40 | 1.55 | 1.56 | 1.70 | 1.39 |
| EV / EBITDA | 10.06 | 10.97 | 9.96 | 9.51 | 8.26 | 6.26 | 4.02 | 6.91 | 7.99 | 9.59 | 7.54 |
| EV / EBIT | 10.63 | 17.56 | 21.15 | 19.26 | 12.97 | 8.34 | 5.60 | 10.54 | 15.77 | 29.43 | 18.49 |
| EV / FCF | — | 4.84 | 4.16 | 3.90 | 4.09 | 6.34 | 2.13 | 2.13 | 2.27 | 2.88 | 2.73 |
Margins and return-on-capital ratios measuring operating efficiency
Enova International, Inc. earns an operating margin of 23.5%, roughly in line with the Financial Services sector average. Operating margins have expanded from 19.9% to 23.5% over the past 3 years, signaling improving operational efficiency. ROE of 24.3% indicates solid capital efficiency, compared to the sector median of 9.1%. ROIC of 10.4% represents solid returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.1% | 50.1% | 46.6% | 48.9% | 57.7% | 78.5% | 55.1% | 42.2% | 40.1% | 41.4% | 47.2% |
| Operating Margin | 23.5% | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% | 33.0% | 21.1% | 18.0% | 15.9% | 16.3% |
| Net Profit Margin | 9.8% | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% | 3.1% | 7.2% | 4.0% | 4.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 24.3% | 24.3% | 17.2% | 14.4% | 18.2% | 25.5% | 58.3% | 10.1% | 22.3% | 11.2% | 15.5% |
| ROA | 5.3% | 5.3% | 4.3% | 4.2% | 6.3% | 10.5% | 20.5% | 2.5% | 5.6% | 2.7% | 3.8% |
| ROIC | 10.4% | 10.4% | 9.7% | 8.2% | 9.6% | 13.9% | 16.1% | 14.2% | 11.5% | 8.9% | 11.1% |
| ROCE | 13.5% | 13.5% | 12.8% | 10.7% | 12.4% | 18.1% | 21.0% | 18.4% | 15.1% | 11.7% | 14.5% |
Solvency and debt-coverage ratios — lower is generally safer
Enova International, Inc. carries a Debt/EBITDA ratio of 5.8x, which is highly leveraged (40% above the sector average of 4.1x). Net debt stands at $4.4B ($4.5B total debt minus $72M cash). Interest coverage of 4.4x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.37 | 3.37 | 3.00 | 2.41 | 1.93 | 1.30 | 1.10 | 2.73 | 2.47 | 2.81 | 2.70 |
| Debt / EBITDA | 5.76 | 5.76 | 5.75 | 6.49 | 5.45 | 3.18 | 2.69 | 3.91 | 4.53 | 6.11 | 4.76 |
| Net Debt / Equity | — | 3.31 | 2.94 | 2.11 | 1.85 | 1.15 | 0.78 | 2.64 | 2.39 | 2.57 | 2.54 |
| Net Debt / EBITDA | 5.67 | 5.67 | 5.64 | 5.67 | 5.21 | 2.81 | 1.90 | 3.77 | 4.38 | 5.58 | 4.47 |
| Debt / FCF | — | 2.50 | 2.36 | 2.33 | 2.58 | 2.85 | 1.01 | 1.16 | 1.24 | 1.68 | 1.62 |
| Interest Coverage | 4.36 | 4.36 | — | 2.17 | 3.31 | 5.40 | 4.13 | 3.28 | 2.21 | 1.57 | 1.85 |
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.23x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 15.79x to 0.23x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.23 | 0.23 | 9.96 | 15.79 | 16.67 | 14.70 | 10.55 | 9.89 | 11.26 | 10.77 | 9.00 |
| Quick Ratio | 0.23 | 0.23 | 9.96 | 15.79 | 16.67 | 14.70 | 10.55 | 9.89 | 11.26 | 10.77 | 9.00 |
| Cash Ratio | 0.23 | 0.23 | 0.15 | 1.45 | 0.51 | 1.06 | 1.90 | 0.29 | 0.31 | 0.89 | 0.56 |
| Asset Turnover | — | 0.49 | 0.50 | 0.46 | 0.46 | 0.44 | 0.51 | 0.75 | 0.73 | 0.63 | 0.76 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Enova International, Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 8.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.3% | 7.4% | 7.7% | 9.9% | 16.1% | 16.6% | 47.2% | 15.5% | 10.2% | 5.7% | 8.2% |
| FCF Yield | 51.6% | 42.8% | 55.3% | 63.5% | 66.2% | 28.6% | 88.9% | 103.4% | 97.7% | 83.0% | 90.2% |
| Buyback Yield | 0.0% | 0.0% | 10.7% | 8.7% | 11.1% | 7.5% | 7.0% | 4.1% | 2.5% | 1.0% | 0.1% |
| Total Shareholder Yield | 0.0% | 0.0% | 10.7% | 8.7% | 11.1% | 7.5% | 7.0% | 4.1% | 2.5% | 1.0% | 0.1% |
| Shares Outstanding | — | $26M | $28M | $32M | $33M | $38M | $32M | $34M | $35M | $34M | $33M |
Compare ENVA with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| ENVAYou | $3B | 12.0 | 10.1 | 1.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
| COF | $124B | 16.9 | 13.9 | 7.3 | 50.8% | 11.0% | 8.0% | 4.1% | 5.0 |
| SYF | $25B | 8.1 | 5.1 | 2.5 | 45.2% | 21.9% | 23.0% | 11.0% | 3.1 |
| SYF-PB | $9B | 3.1 | 2.0 | 1.0 | 45.2% | 21.9% | 23.0% | 11.0% | 3.1 |
| OMF | $7B | 8.4 | 12.1 | 2.1 | 69.5% | 37.5% | 23.8% | 6.9% | 9.7 |
| FINV | $3B | 4.3 | 6.6 | 7.6 | 79.3% | 19.4% | 16.2% | 12.9% | 0.0 |
| BFH | $3B | 12.9 | 10.7 | 1.6 | 50.9% | 7.9% | 9.3% | 3.3% | 12.1 |
| AHG | $2B | -3.0 | — | 2306.8 | -1.9% | -1125.4% | -80.0% | -73.9% | — |
| LU | $2B | 5.8 | 1.3 | 1.0 | 69.5% | 35.5% | 0.9% | 7.7% | 2.9 |
| XYF | $1B | 0.2 | 3.2 | 5.7 | 66.6% | 31.9% | 24.1% | 20.5% | 0.2 |
| ATLC | $791M | 11.0 | 20.3 | 1.7 | 21.6% | 10.6% | 25.2% | 3.8% | 17.4 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 17 years · Updated daily
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Start ComparisonEnova International, Inc.'s current P/E ratio is 12.0x. The historical average is 9.0x. This places it at the 67th percentile of its historical range.
Enova International, Inc.'s current EV/EBITDA is 10.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.6x.
Enova International, Inc.'s return on equity (ROE) is 24.3%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 34.2%.
Based on historical data, Enova International, Inc. is trading at a P/E of 12.0x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Enova International, Inc. has 50.1% gross margin and 23.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Enova International, Inc.'s Debt/EBITDA ratio is 5.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.