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Enova International ENVA Return on invested capital

Return on invested capital at other companies

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17%-6.1pp
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5.7%+0.8pp
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Upstart Holdings, Inc.UPST
2.6%+1.6pp

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 trailing twelve months.

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 return on invested capital?
Enova International (ENVA) reported return on invested capital of 11% in Q2 2026.
How has Enova International's return on invested capital changed year-over-year?
Enova International's return on invested capital decreased by 0.6% year-over-year, from 11.1% to 11%.
What is the long-term trend for Enova International's return on invested capital?
Over 5 years (2020 to 2025), Enova International's return on invested capital has grown at a -12.2% compound annual growth rate (CAGR), from 20.7% to 10.8%.
What does return on invested capital mean?
Net operating profit after tax (operating income taxed at the effective rate) divided by average invested capital (debt plus equity minus cash). Measures the after-tax return on all capital put to work in the business, independent of capital structure.

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