ENVANYSEPersonal Credit InstitutionsFiscal year ends December 31
Enova International, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026
$176.20−1.69 (-0.95%)
Close on Oct 19, 2026
- Market cap
- $4.63B
- P/E (TTM)
- 13.1
- Dividend yield
- –
Enova International statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Personal Credit Institutions companies for comparison
Valuation
| Measure | Enova International | Industry median |
|---|---|---|
| Market Cap | $4.39B | $196.46M |
| Enterprise Value | $4.26B | $150.89M |
| PE Ratio | 13.07 | 11.30 |
| PS Ratio | 1.27 | 2.66 |
| PB Ratio | 2.93 | 1.17 |
| P/TBV Ratio | 3.61 | 1.40 |
| P/FCF Ratio | 2.25 | 12.30 |
| P/OCF Ratio | 2.19 | 5.61 |
Enterprise value
| Measure | Enova International | Industry median |
|---|---|---|
| EV / Sales | 1.24 | 2.72 |
| EV / EBITDA | 4.92 | 3.89 |
| EV / EBIT | 5.15 | 6.12 |
| EV / FCF | 2.18 | 11.30 |
Income (trailing twelve months)
| Measure | Enova International | Industry median |
|---|---|---|
| Revenue | $3.45B | $61.19M |
| Gross Profit | $2.06B | $1.92M |
| Operating Income | $827.68M | -$13.74M |
| Pretax Income | $461.93M | -$4.40M |
| Net Income | $355.45M | -$5.10M |
| EBITDA | $866.42M | -$9.50M |
| EPS (Diluted) | $13.48 | -$0.02 |
Margins
| Measure | Enova International | Industry median |
|---|---|---|
| Gross Margin | 59.8% | 43.9% |
| Operating Margin | 24.0% | -125.1% |
| Pretax Margin | 13.4% | -25.1% |
| Profit Margin | 10.3% | -21.0% |
| EBITDA Margin | 25.1% | -67.0% |
| FCF Margin | 56.7% | -22.8% |
Returns
| Measure | Enova International | Industry median |
|---|---|---|
| Return on Equity (ROE) | 26.1% | -22.3% |
| Return on Assets (ROA) | 5.49% | -11.7% |
| Return on Invested Capital (ROIC) | 50.0% | -33.1% |
Growth
| Measure | Enova International | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 17.7% | 19.7% |
| Net Income Growth (YoY) | 38.7% | -51.5% |
| EPS Growth (YoY) | 43.1% | 4.95% |
| FCF Growth (YoY) | 20.4% | 18.7% |
| Revenue Growth (3Y CAGR) | 22.0% | 5.53% |
| Revenue Growth (5Y CAGR) | 23.8% | 10.1% |
| EPS Growth (3Y CAGR) | 23.0% | 5.11% |
| EPS Growth (5Y CAGR) | -0.31% | 8.99% |
Balance sheet
| Measure | Enova International | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $122.23M | $19.74M |
| Net Cash (Debt) | $122.23M | $7.29M |
| Net Cash Per Share | $4.91 | $0.22 |
| Equity (Book Value) | $1.50B | $165.65M |
| Book Value Per Share | $60.13 | $3.80 |
| Tangible Book Value | $1.22B | $127.24M |
Financial position
| Measure | Enova International | Industry median |
|---|---|---|
| Interest Coverage | 2.25 | -8.59 |
Cash flow (trailing twelve months)
| Measure | Enova International | Industry median |
|---|---|---|
| Operating Cash Flow | $2.00B | -$5.46M |
| Capital Expenditures | -$46.41M | -$4.61M |
| Free Cash Flow | $1.95B | -$13.78M |
| FCF Per Share | $78.43 | -$0.25 |
Efficiency
| Measure | Enova International | Industry median |
|---|---|---|
| Asset Turnover | 0.53 | 0.16 |
| Revenue Per Employee | $1.88M | $705.30K |
| Profits Per Employee | $193.60K | -$248.19K |
| Employee Count | 1,836 | 48 |
Dividends and yields
| Measure | Enova International | Industry median |
|---|---|---|
| Earnings Yield | 8.10% | -10.4% |
| FCF Yield | 44.5% | -14.8% |
| Buyback Yield | 3.03% | 0.12% |
| Shareholder Yield | 3.03% | 0.14% |
Shares
| Measure | Enova International | Industry median |
|---|---|---|
| Shares Outstanding | 24,898,400 | 56,031,200 |
| Shares Change (YoY) | -3.27% | 12.9% |
| Shares Change (QoQ) | -0.14% | 0.24% |
| Float | 23,527,500 | 43,790,000 |
| Shares Held by Insiders | 5.51% | 17.3% |
| Shares Held by Institutions | 94.7% | 34.2% |
Taxes
| Measure | Enova International | Industry median |
|---|---|---|
| Income Tax | $106.47M | $91.74K |
| Effective Tax Rate | 23.0% | 22.7% |
Scores
| Measure | Enova International | Industry median |
|---|---|---|
| Graham Number | $135.04 | $33.63 |
| Graham Upside | -23.4% | 12.2% |
| Altman Z-Score | 1.74 | 0.30 |
| Piotroski F-Score | 8 | 4 |
Calculated by StockData from Enova International's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.