Enova International, Inc. — Key Metrics
3 years of history · ending 2025-12-31 · SEC EDGAR
Per Share Metrics
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
Enterprise Value Multiples
52-Week Range
Trailing Returns
ROIC vs WACC
Yields
Capital Deployment Yields
EPS (Diluted)
$12
Book Value Per Share
$50
Free Cash Flow Per Share
$66
Cash Per Share
$3
Revenue Per Share
$118
OCF Per Share
$68
Return on Equity
24.3%
Return on Assets
5.3%
Return on Invested Capital
10.7%
Debt to Equity
3.37
Current Ratio
—
Quick Ratio
—
Asset Turnover
0.54
SBC / Revenue
1.1%
Capex / Revenue
1.5%
Invested Capital
$5.84B
OCF / Net Income
5.90
FCF / Net Income
5.75
Accruals Ratio (Sloan)
-23.4%
Net Debt
$4.43B
Net Debt / EBITDA
5.67
Interest Coverage
2.18
Cash Coverage
5.36
Dividend Coverage
—
Capex Coverage
38.59
Tangible Common Equity
$1.05B
TCE / Total Assets
16.3%
Goodwill / Total Assets
4.3%
NOPAT
$569M
Cash ROIC
33.4%
WC / Revenue
—
Capex / D&A
1.13
Reinvestment Rate
0.7%
Total Payout Ratio
69.6%
Asset Growth vs Revenue Growth
4.2%
Revenue 5Y CAGR
23.8%
EPS 5Y CAGR
-4.0%
FCF 5Y CAGR
20.0%
EBITDA 5Y CAGR
15.7%
Book Value 5Y CAGR
7.8%
Stock Price (FY-end)
$157
Market Cap
$4.21B
P/E Ratio
13.65
P/S Ratio
1.34
P/B Ratio
3.15
P/TB Ratio
3.99
P/OCF Ratio
2.31
P/FCF Ratio
2.38
Enterprise Value
$8.64B
EV / EBITDA
11.05
EV / Sales
2.74
EV / FCF
4.87
FCF Yield
42.1%
Dividend Yield
—
Shareholder Yield
4.3%
Buyback Yield
5.1%
Capex Yield
1.1%
Dividend Per Share
—
Operating Leverage
1.42
Graham Number
$114
Shares Variation (YoY)
-5.1%
Beta (5Y)
1.35
Cost of Equity
11.2%
Cost of Debt (after tax)
5.8%
WACC
8.4%
ROIC - WACC Spread
2.3%
52W High
$165
52W Low
$86
Trailing Return 1Y
60.6%
Trailing Return 5Y
510.7%
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.