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Enova International, Inc.

ENVA

$174.33 ▼ -6.65 (-3.67%) at close

15 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Moderately Bullish

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Analytical Summary

Enova International, Inc. demonstrates solid fundamentals with strength in Return on Common Equity (%). However, watch Debt to Equity which shows concerning trends. Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $4.4B

Dividend Yield —

Revenue Growth 18.6% ↘

Op. Margin 23.5% ↗

ROIC 9.7% ↗

FCF / Share $72.28 ↗

Trailing P/E 14.2x

Price / Book 3.2x

FCF Yield 41.5%

Debt / Equity 3.37

info Valuation on last close. End-of-day price, Nov 5, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$3.15B

↑ +18.6% —

Net Income Profit after all expenses

$308.39M

↑ +47.2% —

Operating Margin Operating profit as % of sales

23.5%

↑ +6.6% 80th

FCF / Share Free cash flow per share

$72.28

↑ +26.5% —

Long-Term Debt Long-term obligations

$4.50B

↑ +26.2% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns →

Financial Health →

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$3.71 Latest / share

+0.0% YoY

+0.0% 2-yr CAGR

$3.71

FY 2014

$3.71

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	18.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+210%)	25.5% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+325%)	22.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+266%)	43.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+629%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+91%)	-7.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-229%)	20.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+246%)	15.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+155%)	13.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+119%)	14.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	-19.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-424%)	5.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	15.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+163%)	—	—
EPS Growth YoY (%)	57.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	36.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-40.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	987.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-47.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	136.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-16.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-21.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-60.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	43.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	32.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	47.2% Excellent ↑ Excellent Improving Year-over-year change in net income	19.6% Good ↑ Good Improving Year-over-year change in net income	-15.6% Weak ↓ Weak Declining Year-over-year change in net income	-19.1% Weak ↓ Weak Declining Year-over-year change in net income	-32.2% Weak ↓ Weak Declining Year-over-year change in net income	932.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-47.8% Weak ↓ Weak Declining Year-over-year change in net income	139.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-15.5% Weak ↓ Weak Declining Year-over-year change in net income	-21.3% Weak ↓ Weak Declining Year-over-year change in net income	-60.6% Weak ↓ Weak Declining Year-over-year change in net income	43.1% Excellent Excellent Year-over-year change in net income	32.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	26.5% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	50.2% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	37.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	127.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-45.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	-9.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	24.7% Good Good Year-over-year change in free cash flow	53.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	22.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	30.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.2% Good ↑ Good Improving Compound annual revenue growth over 3 years	1.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-0.9% Weak Weak Compound annual revenue growth over 3 years	-0.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	23.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair Fair Compound annual revenue growth over 5 years	5.0% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	24.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-21.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	80.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	50.7% Excellent → Excellent Stable Compound annual EPS growth over 3 years	138.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	1.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-36.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-23.9% Weak Weak Compound annual EPS growth over 3 years	-9.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	23.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	22.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	19.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	22.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	34.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	33.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	21.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	18.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	15.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	16.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	19.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	26.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	18.6% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	17.3% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—
Effective Tax Rate (%) (%)	23.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.7% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	9.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	7.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	8.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	11.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	34.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	7.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	3.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	4.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	6.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	13.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	10.2% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	8.9% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	—
FCF Margin (%) (%)	57.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	57.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	55.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	51.5% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	36.6% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	65.6% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	70.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	68.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	51.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—	—
FCF / Net Income (x)	5.90x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	7.35x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	6.66x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	4.31x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.73x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.88x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	22.63x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	9.56x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	14.73x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%)	9.7% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	9.5% Fair → Fair Stable Return earned on debt + equity capital invested Optimal: > 10%	7.8% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	8.5% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	12.7% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	16.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	13.7% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	13.4% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	9.7% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	8.2% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	10.2% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	20.8% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	15.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	74.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	11.4% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.1% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	9.2% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.2% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	15.0% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	17.0% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	15.8% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	13.2% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	11.6% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	12.4% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	14.1% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	28.3% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	20.6% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	23.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+92%)	17.5% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	14.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	17.5% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	23.4% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+95%)	41.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+243%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	10.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	14.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	21.4% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+78%)	72.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+504%)	45.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+276%)	60.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+404%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	3.37x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+180%)	2.98x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+148%)	2.37x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+98%)	1.90x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+59%)	1.27x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+6%)	1.03x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	2.63x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+119%)	2.47x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+106%)	2.80x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+133%)	2.69x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+124%)	2.69x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+124%)	3.25x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+171%)	2.45x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+104%)	—	—
Interest Coverage (x)	2.18x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.01x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.17x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.31x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	5.40x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.13x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	3.28x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.57x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	2.12x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	1.85x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.35x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	5.59x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	7.21x Good Good Operating income divided by interest expense Optimal: > 5x	5.44x Good Good Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$4.43B	$3.49B	$2.89B	$2.16B	$1.22B	$649.19M	$955.29M	$829.82M	$719.86M	$609.98M	$511.20M	$424.89M	$376.65M	$-37.55M	$-34.41M
Debt / EBITDA (x)	5.81x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.78x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	6.51x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.47x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.14x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.52x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.78x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.55x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.34x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.78x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.89x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.14x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.66x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$125.22	$98.73	$69.04	$53.77	$33.23	$33.98	$34.84	$28.61	$25.17	$22.46	$19.77	$24.54	$23.19	$20.03	—
Basic EPS, GAAP (USD)	$12.25	$7.78	$5.71	$6.42	$7.05	$11.85	$1.09	$2.06	$0.87	$1.04	$1.33	$3.38	$2.36	$1.78	—
Free Cash Flow per Share (USD)	$72.28	$57.15	$38.04	$27.69	$12.16	$22.30	$24.58	$19.72	$12.85	—	—	—	—	—	—
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	—	$3.71	$3.71	—	—	—
Book Value per Share (USD)	$54.08	$46.38	$42.63	$37.99	$32.01	$25.65	$11.42	$10.35	$8.41	$7.26	$6.22	$4.67	$5.24	$2.95	—
Tangible Book Value per Share (USD)	$42.64	$35.13	$32.38	$28.17	$22.80	$17.43	$3.26	$2.31	$0.31	$-0.92	$-2.04	$-3.09	$-2.51	$-4.80	—
Basic Weighted Avg Shares (shares)	25.17M	26.92M	30.67M	32.29M	36.35M	31.90M	33.72M	33.99M	33.52M	33.19M	33.01M	33.00M	33.00M	33.00M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Working Capital (USD)	—	—	—	—	—	—	—	—	—	—	—	$376.70M	$340.93M	—	—
LT Debt (USD)	$4.50B	$3.56B	$2.94B	$2.26B	$1.38B	$946.46M	$991.18M	$857.93M	$788.54M	$649.91M	$553.27M	$500.00M	$424.13M	—	—
Total Equity (USD)	$1.34B	$1.20B	$1.24B	$1.19B	$1.09B	$917.35M	$376.61M	$347.77M	$281.69M	$241.70M	$205.97M	$153.98M	$173.05M	$97.42M	$41.85M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$3.15B	$2.66B	$2.12B	$1.74B	$1.21B	$1.08B	$1.17B	$972.62M	$843.74M	$745.57M	$652.60M	$809.84M	$765.32M	$660.93M	—
Depreciation Expense (USD)	$34.50M	$32.20M	$29.80M	$28.80M	$28.50M	$18.00M	$14.00M	$13.10M	$13.30M	$14.40M	$17.90M	$18.70M	$17.00M	$13.00M	—
Net Income, GAAP (USD)	$308.39M	$209.45M	$175.12M	$207.42M	$256.30M	$377.84M	$36.61M	$70.10M	$29.24M	$34.60M	$43.99M	$111.67M	$78.04M	$58.87M	—
Operating Cash Flow (USD)	$1.82B	$1.54B	$1.17B	$894.00M	$471.87M	$740.87M	$848.64M	$684.84M	$447.17M	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 15 years · 54 quarters

Enova International, Inc.

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