Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.92 | 10.29 | 15.08 | 9.81 | 13.10 | 9.50 | 9.75 | 8.97 | 10.42 | 13.34 | 8.06 | 9.58 | 12.25 | 9.86 | 8.85 | 7.12 | 6.15 | 4.66 | 4.62 | 6.33 | 7.88 |
| — | +8.4% | +54.7% | +9.4% | +25.7% | -28.8% | +20.9% | -6.3% | -14.9% | +35.3% | -8.9% | +34.5% | +99.2% | +111.5% | +91.7% | +12.5% | -21.9% | -26.6% | +13.4% | +44.8% | +723.0% | |
| P/S Ratio | 1.33 | 1.22 | 2.03 | 1.15 | 1.38 | 0.95 | 0.99 | 0.98 | 0.91 | 0.84 | 0.69 | 0.76 | 0.73 | 0.74 | 0.86 | 0.83 | 0.70 | 0.53 | 0.63 | 0.91 | 1.11 |
| — | +28.5% | +105.9% | +16.4% | +51.9% | +12.8% | +42.7% | +29.5% | +24.1% | +14.3% | -19.2% | -8.0% | +5.0% | +39.2% | +36.0% | -9.4% | -37.1% | -51.3% | -52.6% | -34.3% | +18.9% | |
| P/B Ratio | 3.40 | 2.82 | 4.24 | 2.55 | 3.10 | 2.37 | 2.46 | 2.19 | 2.22 | 1.97 | 1.52 | 1.61 | 1.38 | 1.29 | 1.37 | 1.19 | 1.06 | 0.84 | 0.87 | 1.23 | 1.40 |
| — | +18.7% | +72.4% | +16.7% | +39.9% | +20.5% | +62.1% | +35.7% | +60.7% | +53.1% | +10.7% | +35.4% | +30.6% | +52.9% | +57.2% | -3.1% | -24.6% | -27.2% | -26.9% | -7.1% | +45.6% | |
| P/FCF | 2.14 | 2.11 | 2.98 | 1.93 | 2.13 | 1.62 | 1.73 | 1.73 | 1.58 | 1.50 | 1.24 | 1.37 | 1.41 | 1.57 | 1.48 | 1.34 | 1.21 | 1.08 | 1.07 | 2.31 | 2.75 |
| — | +30.2% | +72.5% | +11.5% | +34.8% | +8.1% | +39.2% | +25.9% | +11.6% | -4.6% | -16.0% | +2.7% | +16.9% | +44.9% | +38.3% | -42.1% | -56.0% | -67.8% | -68.6% | -23.7% | +34.5% | |
| EV / EBITDA | 9.57 | 9.43 | 11.47 | 9.54 | 11.03 | 8.53 | 8.95 | 8.73 | 9.33 | 8.51 | 7.91 | 8.59 | 10.14 | 8.86 | 8.18 | 7.71 | 7.57 | 6.77 | 6.95 | 7.30 | 7.49 |
| — | +10.6% | +28.2% | +9.4% | +18.2% | +0.2% | +13.0% | +1.6% | -7.9% | -4.0% | -3.3% | +11.4% | +33.9% | +30.9% | +17.8% | +5.6% | +1.0% | +16.0% | +80.6% | +95.2% | +140.6% | |
| EV / EBIT | 11.88 | 9.87 | 11.73 | 10.09 | 11.64 | 16.24 | 17.17 | 17.38 | 19.74 | 18.14 | 16.53 | 18.58 | 26.79 | 18.30 | 14.91 | 14.01 | 12.71 | 10.99 | 10.45 | 10.73 | 11.31 |
| — | -39.2% | -31.7% | -42.0% | -41.0% | -10.5% | +3.9% | -6.5% | -26.3% | -0.8% | +10.9% | +32.6% | +110.7% | +66.4% | +42.6% | +30.6% | +12.4% | +34.8% | +115.6% | +128.2% | +162.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.0% | 67.8% | 62.2% | 110.9% | 66.9% | 46.6% | 46.9% | 52.0% | 46.1% | 46.9% | 47.6% | 46.0% | 45.9% | 49.1% | 50.8% | 55.1% | 64.7% | 57.7% | 62.6% | 74.0% | 75.8% |
| — | +45.7% | +32.5% | +113.4% | +45.2% | -0.7% | -1.4% | +13.1% | +0.4% | -4.6% | -6.3% | -16.7% | -29.0% | -14.8% | -18.8% | -25.5% | -14.7% | -29.3% | -36.0% | -18.9% | -17.0% | |
| Operating Margin | 24.8% | 27.3% | 30.4% | 26.9% | 24.9% | 24.5% | 24.1% | 25.9% | 21.3% | 22.3% | 23.1% | 21.4% | 16.7% | 18.8% | 22.3% | 24.8% | 23.5% | 21.6% | 23.4% | 25.0% | 23.4% |
| — | +11.3% | +26.2% | +3.9% | +16.9% | +10.0% | +4.4% | +20.5% | +27.3% | +18.4% | +3.3% | -13.7% | -28.8% | -12.9% | -4.4% | -0.6% | +0.2% | -24.4% | -53.3% | -51.5% | -53.9% | |
| Net Margin | 10.3% | 11.8% | 13.5% | 11.7% | 10.5% | 10.0% | 10.0% | 11.0% | 8.7% | 6.3% | 8.6% | 7.9% | 6.0% | 7.5% | 9.6% | 11.6% | 11.3% | 11.3% | 13.7% | 14.4% | 14.1% |
| — | +18.4% | +35.2% | +6.3% | +20.6% | +59.0% | +16.2% | +38.1% | +46.5% | -16.0% | -11.0% | -31.4% | -47.5% | -33.9% | -29.5% | -19.8% | -19.7% | -33.6% | -58.1% | -54.5% | -85.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 24.3% | 7.0% | 7.2% | 6.7% | 6.0% | 6.4% | 6.3% | 6.1% | 5.4% | 3.7% | 4.7% | 4.1% | 2.8% | 3.3% | 3.9% | 4.2% | 4.4% | 4.6% | 4.8% | 4.8% | 4.4% |
| — | +9.5% | +15.4% | +9.2% | +12.4% | +71.3% | +33.8% | +50.4% | +92.9% | +13.5% | +20.4% | -4.2% | -36.3% | -28.3% | -18.7% | -12.4% | -0.1% | -0.8% | -37.2% | -38.8% | -85.9% | |
| ROA | 5.3% | 1.4% | 1.5% | 1.4% | 1.3% | 1.4% | 1.4% | 1.4% | 1.2% | 0.9% | 1.1% | 1.1% | 0.8% | 1.0% | 1.2% | 1.3% | 1.4% | 1.5% | 1.7% | 1.8% | 1.9% |
| — | +4.7% | +9.4% | +0.3% | +2.2% | +55.0% | +19.4% | +29.5% | +55.4% | -14.0% | -8.2% | -21.3% | -42.7% | -32.6% | -25.4% | -26.1% | -25.0% | -27.9% | -53.0% | -49.6% | -84.9% | |
| ROIC | 10.4% | 2.7% | 2.8% | 2.6% | 2.5% | 2.8% | 2.7% | 2.6% | 2.5% | 2.6% | 2.5% | 2.3% | 1.8% | 2.1% | 2.3% | 2.3% | 2.3% | 2.4% | 2.3% | 2.6% | 2.5% |
| — | -1.1% | +2.7% | -1.9% | -1.3% | +6.6% | +6.7% | +13.5% | +36.3% | +22.1% | +8.0% | -0.3% | -21.8% | -10.3% | +1.4% | -8.8% | -7.0% | -18.2% | -48.0% | -46.5% | -52.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.41 | 3.45 | 3.37 | 3.47 | 3.41 | 3.22 | 3.25 | 3.17 | 3.00 | 2.82 | 2.81 | 2.67 | 2.41 | 1.96 | 1.86 | 1.92 | 1.93 | 1.83 | 1.69 | 1.61 | 1.30 |
| — | +7.0% | +3.6% | +9.6% | +13.6% | +14.5% | +15.9% | +18.7% | +24.6% | +43.8% | +50.8% | +39.1% | +24.7% | +7.2% | +9.8% | +19.0% | +48.2% | +82.3% | +69.8% | +72.2% | +18.1% | |
| Debt / EBITDA | 5.84 | 20.98 | 20.55 | 22.25 | 23.31 | 19.79 | 20.55 | 20.83 | 21.74 | 20.27 | 20.81 | 21.75 | 28.05 | 21.73 | 19.34 | 19.53 | 20.15 | 19.08 | 19.34 | 17.31 | 15.32 |
| — | +6.0% | -0.0% | +6.8% | +7.2% | -2.4% | -1.2% | -4.2% | -22.5% | -6.7% | +7.6% | +11.4% | +39.2% | +13.9% | -0.0% | +12.8% | +31.6% | +59.6% | +130.4% | +139.4% | +93.9% | |
| Current Ratio | 0.23 | 1.78 | 18.42 | 0.23 | 0.23 | 21.75 | 20.45 | 21.07 | 9.96 | 17.43 | 13.03 | 14.37 | 15.79 | 13.23 | 15.02 | 19.03 | 16.67 | 17.97 | 16.39 | 18.81 | 14.70 |
| — | -91.8% | -9.9% | -98.9% | -97.6% | +24.8% | +57.0% | +46.6% | -36.9% | +31.7% | -13.3% | -24.5% | -5.3% | -26.4% | -8.3% | +1.2% | +13.5% | +13.0% | +20.9% | +44.4% | +39.2% | |
| Quick Ratio | 0.23 | 1.78 | 18.42 | 0.23 | 0.23 | 21.75 | 20.45 | 21.07 | 9.96 | 17.43 | 13.03 | 14.37 | 15.79 | 13.23 | 15.02 | 19.03 | 16.67 | 17.97 | 16.39 | 18.81 | 14.70 |
| — | -91.8% | -9.9% | -98.9% | -97.6% | +24.8% | +57.0% | +46.6% | -36.9% | +31.7% | -13.3% | -24.5% | -5.3% | -26.4% | -8.3% | +1.2% | +13.5% | +13.0% | +20.9% | +44.4% | +39.2% | |
| Interest Coverage | 2.88 | 2.38 | 0.84 | 2.20 | 2.08 | — | — | 1.13 | — | — | — | — | — | — | — | 1.52 | 1.80 | — | 2.59 | 3.04 | 3.24 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ENVA stock.
Enova International, Inc.'s current P/E is 11.9x. The average P/E over the last 4 quarters is 12.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Enova International, Inc.'s current operating margin is 24.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Enova International, Inc.'s business trajectory between earnings reports.