Enova International (ENVA) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Enova International had a P/E ratio of 12.60 (up from 12.00), return on equity of 24.3% (up from 17.2%), debt-to-equity of 3.39 (up from 3.00) and a current ratio of 19.33 (up from 19.23). A current ratio of 19.33 means current assets exceed current liabilities.

Enova International Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.60	12.00	9.44	5.82	5.82	2.34
Forward P/E	11.21	9.28	7.35	5.43	7.95	6.27
P/S Ratio	2.61	2.03	1.60	1.21	1.57	1.48
P/B Ratio	2.91	2.10	1.33	1.02	1.36	0.96
Price/Tangible Book	4.18	3.14	1.94	1.49	2.09	1.56
Price/FCF	2.19	1.68	1.47	1.42	3.37	1.24
Price/OCF	2.14	1.63	1.42	1.35	3.16	1.19
PEG Ratio	4.86	4.86	4.86	4.86	4.86	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	24.34%	17.19%	14.44%	18.20%	25.56%	58.39%
Return on Assets (ROA)	5.26%	4.25%	4.19%	6.34%	10.56%	20.54%
Return on Invested Capital (ROIC)	5.87%	5.05%	4.56%	6.80%	11.52%	15.14%
Leverage & Solvency Ratios
Debt/Equity	3.39	3.00	2.40	1.93	1.30	1.11
Debt/FCF	2.56	2.40	2.65	2.70	3.22	1.43
Liquidity Ratios
Current Ratio	19.33	19.23	15.78	16.73	14.76	13.15
Quick Ratio	18.25	18.23	14.55	16.34	14.38	12.58
Efficiency Ratios
Asset Turnover	0.25	0.25	0.25	0.31	0.39	0.33
Yield & Distribution Ratios
Earnings Yield	7.93%	8.34%	10.59%	17.18%	17.18%	42.77%
FCF Yield	45.59%	59.51%	67.83%	70.45%	29.64%	80.52%
Buyback Yield	5.06%	11.65%	4.66%	11.27%	-16.82%	6.09%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Enova International Financial Ratios

What is Enova International's P/E ratio?

Enova International's P/E ratio was 12.60 for fiscal 2025 (period ended Dec 31, 2025). It was 12.00 a year earlier.

What is Enova International's return on equity?

Enova International's return on equity (ROE) was 24.3% for fiscal 2025 (period ended Dec 31, 2025). It was 17.2% a year earlier.

What is Enova International's debt-to-equity ratio?

Enova International's debt-to-equity ratio was 3.39 for fiscal 2025 (period ended Dec 31, 2025). It was 3.00 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition