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Enova International, Inc. ENVA

NYSE · stock · Personal Credit Institutions · website · IPO 2014-10-30 · LEI

Enova International, Inc. statistics & valuation

Market cap$5.7B
P / E18.6×
P / S1.8×
P / B4.3×
Net margin9.8%
Return on equity23.1%
Net debt$4.4B
Net debt / EBITDA5.7×
Enterprise value USD$10.2B
EV / EBITDA13×
Earnings yield EBIT/EV7.3%
Graham number -56.3%$113.76

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($113.76); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
4.60% 4.00% 7.20% 3.10% 34.90% 21.20% 11.90% 8.30% 7.90% 9.80% 2016201720182019202020212022202320242025
Gross margin (%)
56.00% 51.50% 48.20% 48.70% 63.10% 84.80% 64.40% 58.10% 57.50% 58.10% 2016201720182019202020212022202320242025
Operating margin (%)
16.30% 15.90% 18.00% 21.10% 33.00% 34.20% 22.10% 19.90% 22.00% 23.50% 2016201720182019202020212022202320242025
Return on equity (%)
14.30% 10.40% 20.20% 9.70% 41.10% 23.40% 17.50% 14.10% 17.50% 23.10% 2016201720182019202020212022202320242025
Shares outstanding
33.5M 34.1M 35.2M 34.4M 35.8M 37.7M 33.5M 31.9M 28.2M 26.8M 2016201720182019202020212022202320242025
Net debt ($)
$610.0M $738.8M $829.8M $955.3M $649.2M $1.22B $2.16B $2.89B $3.49B $4.43B 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
3.50% 2.50% 5.30% 2.30% 17.90% 9.30% 5.50% 3.80% 4.00% 4.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
50.80% 59.30% 68.90% 70.50% 65.70% 36.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2.69× 2.80× 2.47× 2.63× 1.03× 1.27× 1.90× 2.37× 2.98× 3.37× 2016201720182019202020212022202320242025
EPS ($)
$1.03 $0.86 $1.99 $1.06 $11.70 $6.79 $6.19 $5.49 $7.43 $11.52 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Enova International, Inc. trades at about 22.6× earnings — above its 10-year norm (10-year range 1.9×–23.6×, median 13.7×).

1.9× 23.6×

Shaded band = 10-year range (1.9×–23.6×); dot = today's 22.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Gross margin58.1%57.5%58.1%64.4%84.8%63.1%48.7%48.2%51.5%56.0%
Operating margin23.5%22.0%19.9%22.1%34.2%33.0%21.1%18.0%15.9%16.3%
Net margin9.8%7.9%8.3%11.9%21.2%34.9%3.1%7.2%4.0%4.6%
FCF margin————36.6%65.7%70.5%68.9%59.3%50.8%
Return on assets4.8%4.0%3.8%5.5%9.3%17.9%2.3%5.3%2.5%3.5%
Return on equity23.1%17.5%14.1%17.5%23.4%41.1%9.7%20.2%10.4%14.3%
Debt / equity3.37×2.98×2.37×1.90×1.27×1.03×2.63×2.47×2.80×2.69×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.