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Enova International ENVA Net debt / EBITDA

Net debt / EBITDA at other companies

SoFi Technologies, Inc. logo
SoFi Technologies, Inc.SOFI
-0.9×-1.2×
Capital One Financial logo
Capital One FinancialCOF
-1×-1.6×
East-West Bancorp logo
East-West BancorpEWBC
-1.1×+0.4×
Nelnet logo
NelnetNNI
6.5×
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
0.6×-1.3×
FCF
FirstCash HoldingsFCFS
2.6×-0.6×

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.

Based on the most recent quarter.

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 net debt / EBITDA?
Enova International (ENVA) reported net debt / EBITDA of 5.8× in Q1 2026.
How has Enova International's net debt / EBITDA changed year-over-year?
Enova International's net debt / EBITDA increased by 4.3% year-over-year, from 5.6× to 5.8×.
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.