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Enova International ENVA Interest coverage

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Other financials

Income statement

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Revenue$875.1M+17.4%
Gross profit$529.0M+24.1%
Operating income$207.1M+20.5%
Net income$91.1M+24.9%
EPS (diluted)$3.46+28.6%

Balance sheet

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Cash & equivalents$96.1M+73.2%
Total debt$4.9B+28.4%
Total equity$1.4B+17.1%
Total assets$6.9B+26.0%

Cash flow

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Operating cash flow$474.5M+21.3%
CapEx$10.8M-16.5%
Free cash flow$463.8M+22.6%

Valuation

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Market cap$5.04B+36.4%

Profitability

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Gross margin58.9%+1.3pp
Operating margin23.6%+1.2pp
Net margin10%+1.6pp
FCF margin56.6%+1.6pp

Returns & leverage

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Return on equity25.1%+5.2pp
Debt / equity3.5×+0.3×

Where this comes from

Calculated from Enova International’s reported figures.

ebit/interest expense=2.2×

Based on trailing twelve months.

The official record: Enova International’s 10-Q, filed April 23, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Enova International's interest coverage?
Enova International (ENVA) reported interest coverage of 2.2× in Q1 2026.
How has Enova International's interest coverage changed year-over-year?
Enova International's interest coverage increased by 7.1% year-over-year, from 2× to 2.2×.
What is the long-term trend for Enova International's interest coverage?
Over 5 years (2020 to 2025), Enova International's interest coverage has grown at a -12.0% compound annual growth rate (CAGR), from 4.1× to 2.2×.
What does interest coverage mean?
Trailing-twelve-month operating income (EBIT) divided by interest expense. Measures how many times over the company can cover its interest payments from operating profit.