Enova International Financial Ratios
NYSE: ENVAFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Enova International ratio analysis
Enova International earned a net margin of 9.8% in FY 2025, up from 7.9% a year earlier. Gross margin was 58.1% compared with a median of 57.5% over the prior 9 years. Return on equity reached 23.1%, meaning Enova International generated 0.23 dollars of profit for every dollar of shareholders' equity.
Debt-to-equity stood at 3.37 versus 2.98 the year before. At the end of FY 2025, ENVA traded at 14.1 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 2.1 to 22.3, with a median of 11.2. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Enova International financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 14.06 | 13.40 | 10.08 | 6.20 | 6.03 | 2.12 | 22.35 | 10.30 | 17.67 | 12.18 |
| Price / sales | 1.29 | 1.01 | 0.80 | 0.71 | 1.23 | 0.73 | 0.68 | 0.72 | 0.70 | 0.56 |
| Price / book | 3.05 | 2.24 | 1.37 | 1.04 | 1.36 | 0.86 | 2.12 | 2.00 | 1.81 | 1.72 |
| Gross margin | 58.1% | 57.5% | 58.1% | 64.4% | 84.8% | 63.1% | 48.7% | 48.2% | 51.5% | 56.0% |
| Operating margin | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% | 33.0% | 21.1% | 18.0% | 15.9% | 16.3% |
| Net margin | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% | 3.1% | 7.2% | 4.0% | 4.6% |
| Free cash flow margin | 56.2% | 56.3% | 53.0% | 49.0% | 36.6% | 65.6% | 70.5% | 68.9% | 59.3% | 50.8% |
| Return on equity (ROE) | 23.1% | 17.5% | 14.1% | 17.5% | 23.4% | 41.2% | 9.7% | 20.2% | 10.4% | 14.3% |
| Return on assets (ROA) | 4.8% | 4.0% | 3.8% | 5.5% | 9.3% | 17.9% | 2.3% | 5.3% | 2.5% | 3.5% |
| Debt / equity | 3.37 | 2.98 | 2.37 | 1.90 | 1.27 | 1.03 | 2.63 | 2.47 | 2.80 | 2.69 |
| Revenue growth | 18.6% | 25.5% | 22.0% | 43.7% | 11.5% | -7.8% | 20.8% | 33.4% | -2.2% | 14.2% |
| EPS growth | 55.0% | 35.3% | -11.3% | -8.8% | -42.0% | 1,003.8% | -46.7% | 131.4% | -16.5% | -22.6% |