Screener
Enova International ENVA Ratios & Valuation
| Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 59.8%+2.4pp | 58.9%+1.3pp | 58.1%+0.5pp | 57.2%-0.1pp | 57.4%+0.1pp | |
| Operating margin | 24%+1.3pp | 23.6%+1.2pp | 23.5%+1.5pp | 23.3%+2.3pp | 22.7%+2.6pp | |
| Net margin | 10.3%+1.6pp | 10%+1.6pp | 9.8%+1.9pp | 9.6%+2.4pp | 8.7%+1.2pp | |
| Returns | ||||||
| Return on equity | 26.1%+4.5pp | 25.1%+5.2pp | 24.3%+7.2pp | 23.8%+9.0pp | 21.6%+6.7pp | |
| Return on invested capital | 11%-0.1pp | 10.8%-0.1pp | 10.8%+0.6pp | 11.2%+1.2pp | 11.1%+1.8pp | |
| Efficiency | ||||||
| Asset turnover | 0.5×0.0× | 0.5×0.0× | 0.5×0.0× | 0.6×0.0× | 0.6×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 3.4×+0.1× | 3.5×+0.3× | 3.4×+0.4× | 3.2×+0.4× | 3.3×+0.4× | |
| Net debt / EBITDA | 5.7×+0.1× | 5.8×+0.2× | 5.7×+0.1× | 5.4×-0.3× | 5.6×-0.5× | |
| Per Share | ||||||
| Book value per share | $56.98+23.6% | $53.20+20.5% | $49.92+17.6% | $48.49+14.0% | $46.11+12.3% | |
| Valuation | ||||||
| Market capitalization | $6.44B+151% | $3.4B+36.4% | $3.9B+55.0% | $2.88B+30.2% | $2.62B+55.0% | |
| Price / earnings | 18.1×+8.1× | 10.4×-0.2× | 12.6×+0.6× | 9.8×-2.4× | 10.2×+0.7× | |
| Price / sales | 1.9×+1.0× | 1×+0.1× | 1.2×+0.3× | 0.9×+0.1× | 0.9×+0.2× | |
| Price / book | 4.3×+2.2× | 2.4×+0.3× | 2.9×+0.8× | 2.2×+0.4× | 2.1×+0.7× | |
| EV / EBITDA | 13.1×+3.9× | 10×+0.7× | 10.7×+1.0× | 9.3×-0.4× | 9.3×-0.1× |
FAQ
- What are Enova International's profit margins?
- Enova International (ENVA) runs a 59.8% gross margin and a 24.0% operating margin, with a 10.3% net margin.
- Where do Enova International's ratios come from?
- Every ratio is computed from Enova International's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
