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Enova International ENVA Net debt / EBITDA

Net debt / EBITDA at other companies

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0.6×+0.1×
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10.3×-1.4×
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Upstart Holdings, Inc.UPST
15.8×
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OppFiOPFI
-0.5×0.0×

Other financials

Income statement

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Revenue$928.9M+21.6%
Gross profit$568.1M+28.7%
Operating income$237.1M+28.8%
Net income$105.1M+38.0%
EPS (diluted)$4.00+39.9%

Balance sheet

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Cash & equivalents$122.2M+120%
Total debt$5.0B+26.3%
Total equity$1.5B+21.8%
Total assets$7.2B+26.2%

Cash flow

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Operating cash flow$544.0M+21.6%
CapEx$12.6M+12.4%
Free cash flow$531.4M+21.8%

Valuation

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Market cap$6.37B+144%
Enterprise value$11.3B+72.5%
P/E17.9×+7.7×
P/S1.9×+1.0×

Profitability

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Gross margin59.8%+2.4pp
Operating margin24%+1.3pp
Net margin10.3%+1.6pp
FCF margin56.7%+1.3pp

Returns & leverage

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Return on equity26.1%+4.5pp
Debt / equity3.4×+0.1×

Where this comes from

Calculated from Enova International’s reported figures.

Based on the most recent quarter.

The source filing: Enova International’s 10-Q, filed July 23, 2026. Open the filing →

Filed
Jul 23, 2026, 5:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-314590

FAQ

What is Enova International's net debt / EBITDA?
Enova International (ENVA) reported net debt / EBITDA of 5.7× in Q2 2026.
How has Enova International's net debt / EBITDA changed year-over-year?
Enova International's net debt / EBITDA increased by 1.7% year-over-year, from 5.6× to 5.7×.
What is the long-term trend for Enova International's net debt / EBITDA?
Over 5 years (2020 to 2025), Enova International's net debt / EBITDA has grown at a 24.6% compound annual growth rate (CAGR), from 1.9× to 5.7×.
What does net debt / EBITDA mean?
Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.

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