Enova International, Inc. (ENVA) Financial Ratios
17 years of historical data (2009–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
11.15
↑+24% vs avg
5yr avg: 9.01
30Y Low4.0·High11.1
P/FCF
↓
2.38
+11% vs avg
5yr avg: 2.15
30Y Low0.9·High3.5
P/B Ratio
↑
3.34
↑+80% vs avg
5yr avg: 1.86
30Y Low0.9·High4.8
ROE
↓
24.3%
↓+22% vs avg
5yr avg: 19.9%
30Y Low10%·High85%
Debt/EBITDA
↑
5.84
+9% vs avg
5yr avg: 5.34
30Y Low2.1·High7.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ENVA Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Enova International, Inc. trades at 14.6x earnings, 50% above its 5-year average of 9.8x, sitting at the 92nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.3x, the stock trades at a premium of 10%. On a free-cash-flow basis, the stock trades at 2.4x P/FCF, 11% above 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 | $4.2B | $4.1B | $2.7B | $1.8B | $1.3B | $1.5B | $800M | $828M | $685M | $519M | $420M |
| Enterprise Value | $8.7B | $8.6B | $6.2B | $4.4B | $3.5B | $2.8B | $1.5B | $1.8B | $1.5B | $1.2B | $1.0B |
| P/E Ratio → | 14.62 | 13.58 | 12.90 | 10.08 | 6.20 | 6.03 | 2.12 | 6.47 | 9.78 | 17.67 | 12.18 |
| P/S Ratio | 1.34 | 1.31 | 1.02 | 0.83 | 0.74 | 1.28 | 0.74 | 0.70 | 0.70 | 0.71 | 0.56 |
| P/B Ratio | 3.34 | 3.10 | 2.26 | 1.42 | 1.08 | 1.41 | 0.87 | 2.20 | 1.97 | 1.84 | 1.74 |
| P/FCF | 2.38 | 2.34 | 1.81 | 1.58 | 1.51 | 3.50 | 1.12 | 0.97 | 1.02 | 1.20 | 1.11 |
| P/OCF | 2.32 | 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
ENVA EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Enova International, Inc.'s enterprise value stands at 11.2x EBITDA, 24% above its 5-year average of 9.0x. This is roughly in line with the Financial Services sector median of 11.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.74 | 2.34 | 2.07 | 2.00 | 2.32 | 1.40 | 1.55 | 1.56 | 1.70 | 1.39 |
| EV / EBITDA | 11.15 | 11.05 | 9.96 | 9.51 | 8.26 | 6.26 | 4.02 | 6.91 | 7.99 | 9.59 | 7.54 |
| EV / EBIT | 11.78 | 17.69 | 21.15 | 19.26 | 12.97 | 8.34 | 5.60 | 10.54 | 15.77 | 29.43 | 18.49 |
| EV / FCF | — | 4.87 | 4.16 | 3.90 | 4.09 | 6.34 | 2.13 | 2.13 | 2.27 | 2.88 | 2.73 |
ENVA Profitability
Margins and return-on-capital ratios measuring operating efficiency
Enova International, Inc. earns an operating margin of 23.5%, above the Financial Services sector average of 21.4%. 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 9.5%. ROIC of 10.4% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
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% |
Return on Capital
| 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% |
ENVA Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Enova International, Inc. carries a Debt/EBITDA ratio of 5.8x, which is highly leveraged (42% above the sector average of 4.1x). Net debt stands at $4.5B ($4.6B total debt minus $72M cash). Interest coverage of just 2.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.41 | 3.41 | 3.00 | 2.41 | 1.93 | 1.30 | 1.10 | 2.73 | 2.47 | 2.81 | 2.70 |
| Debt / EBITDA | 5.84 | 5.84 | 5.75 | 6.49 | 5.45 | 3.18 | 2.69 | 3.91 | 4.53 | 6.11 | 4.76 |
| Net Debt / Equity | — | 3.36 | 2.94 | 2.11 | 1.85 | 1.15 | 0.78 | 2.64 | 2.39 | 2.57 | 2.54 |
| Net Debt / EBITDA | 5.75 | 5.75 | 5.64 | 5.67 | 5.21 | 2.81 | 1.90 | 3.77 | 4.38 | 5.58 | 4.47 |
| Debt / FCF | — | 2.53 | 2.36 | 2.33 | 2.58 | 2.85 | 1.01 | 1.16 | 1.24 | 1.68 | 1.62 |
| Interest Coverage | 2.88 | 2.88 | — | 1.17 | 2.31 | 4.40 | 3.13 | 2.28 | 1.21 | 0.57 | 0.85 |
ENVA Liquidity & Efficiency
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 | — | — | — | — | — | — | — | — | — | — | — |
ENVA Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Enova International, Inc. returns 5.1% to shareholders annually primarily through share buybacks. The earnings yield of 6.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.8% | 7.4% | 7.7% | 9.9% | 16.1% | 16.6% | 47.2% | 15.5% | 10.2% | 5.7% | 8.2% |
| FCF Yield | 42.0% | 42.8% | 55.3% | 63.5% | 66.2% | 28.6% | 88.9% | 103.4% | 97.7% | 83.0% | 90.2% |
| Buyback Yield | 5.1% | 5.2% | 10.7% | 8.7% | 11.1% | 7.5% | 7.0% | 4.1% | 2.5% | 1.0% | 0.1% |
| Total Shareholder Yield | 5.1% | 5.2% | 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 |
Peer Comparison
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 | $4B | 14.6 | 11.2 | 2.4 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 WRLD | $711M | 8.7 | 7.3 | 2.8 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 RM | $327M | 7.8 | 21.3 | 1.1 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 PRAA | $834M | -2.7 | 1.8 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 QCRH | $2B | 12.2 | 15.3 | 4.3 | 57.7% | 22.8% | 12.1% | 6.2% | 4.5 |
 OPRT | $247M | 10.5 | 34.5 | 0.6 | 63.7% | 6.9% | 6.8% | 1.0% | 32.9 |
 ATLC | $1B | 13.0 | 41.7 | 1.8 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
 CACC | $5B | 14.0 | 10.0 | 5.2 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 NAVI | $819M | -10.8 | 17.8 | 1.9 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 FISV | $31B | 9.0 | 6.7 | 7.1 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 FIS | $24B | 62.1 | 7.6 | 9.8 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
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Start ComparisonENVA — Frequently Asked Questions
Quick answers to the most common questions about buying ENVA stock.
What is Enova International, Inc.'s P/E ratio?
Enova International, Inc.'s current P/E ratio is 14.6x. The historical average is 9.0x. This places it at the 92th percentile of its historical range.
What is Enova International, Inc.'s EV/EBITDA?
Enova International, Inc.'s current EV/EBITDA is 11.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.6x.
What is Enova International, Inc.'s ROE?
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%.
Is ENVA stock overvalued?
Based on historical data, Enova International, Inc. is trading at a P/E of 14.6x. This is at the 92th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Enova International, Inc.'s profit margins?
Enova International, Inc. has 50.1% gross margin and 23.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Enova International, Inc. have?
Enova International, Inc.'s Debt/EBITDA ratio is 5.8x, indicating high leverage. A ratio above 4x may signal elevated financial risk.