Menu

Markets

Research

News

Learn
Paper trading
AI Chat
Get the app WatchlistsPortfoliosAlerts
Sign in

Enova International, Inc. ENVA

Full chart Compare
Set alert

Price alert · ENVA

All alert types
175.10 USD +1.16 (+0.67%)

At closeNov 3, 2026, 4:01 PM EST

175.10 0.00 0.00%

After hours · Nov 3, 4:01 PM ET

173.88 Day range 176.56
119.02 52-week range 267.45
YTD
+11.39%
1 year
+43.02%

Financial health

Altman Z-Score

1.67 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 2
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 12.8×
FY 2016: 12.1×FY 2017: 17.5×FY 2018: 9.4×FY 2019: 6.3×FY 2020: 2.1×FY 2021: 5.8×FY 2022: 6.0×FY 2023: 9.7×FY 2024: 12.3×FY 2025: 12.8×
FY 2016 5y median 9.7× FY 2025
P/S 1.2×
FY 2016: 0.6×FY 2017: 0.7×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 1.2×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 1.2×
FY 2016 5y median 1.0× FY 2025
P/B 2.9×
FY 2016: 1.7×FY 2017: 1.8×FY 2018: 1.9×FY 2019: 2.2×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 1.0×FY 2023: 1.4×FY 2024: 2.2×FY 2025: 2.9×
FY 2016 5y median 1.4× FY 2025
P/FCF 2.2×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 1.1×FY 2021: 3.4×FY 2022: 1.5×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 2.2×
FY 2016 5y median 1.7× FY 2025
EV/EBITDA 15.8×
FY 2016: 14.4×FY 2017: 21.8×FY 2018: 13.5×FY 2019: 9.6×FY 2020: 5.2×FY 2021: 7.4×FY 2022: 11.3×FY 2023: 16.2×FY 2024: 18.2×FY 2025: 15.8×
FY 2016 5y median 15.8× FY 2025
EV/Sales 2.7×
FY 2016: 1.4×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.4×FY 2021: 2.3×FY 2022: 2.0×FY 2023: 2.0×FY 2024: 2.3×FY 2025: 2.7×
FY 2016 5y median 2.3× FY 2025
FCF Yield 45.5%
FY 2016: 91.0%FY 2017: 84.5%FY 2018: 101.1%FY 2019: 105.5%FY 2020: 90.0%FY 2021: 29.7%FY 2022: 68.6%FY 2023: 66.1%FY 2024: 57.9%FY 2025: 45.5%
FY 2016 5y median 57.9% FY 2025

Profitability

Gross Margin 50.1%
FY 2016: 47.2%FY 2017: 41.4%FY 2018: 40.1%FY 2019: 42.2%FY 2020: 55.1%FY 2021: 78.5%FY 2022: 57.7%FY 2023: 48.9%FY 2024: 46.6%FY 2025: 50.1%
FY 2016 5y median 50.1% FY 2025
Operating Margin 23.5%
FY 2016: 16.3%FY 2017: 15.9%FY 2018: 18.0%FY 2019: 21.1%FY 2020: 33.0%FY 2021: 34.2%FY 2022: 22.1%FY 2023: 19.9%FY 2024: 22.0%FY 2025: 23.5%
FY 2016 5y median 22.1% FY 2025
Net Margin 9.8%
FY 2016: 4.6%FY 2017: 4.0%FY 2018: 7.2%FY 2019: 3.1%FY 2020: 34.9%FY 2021: 21.2%FY 2022: 11.9%FY 2023: 8.3%FY 2024: 7.9%FY 2025: 9.8%
FY 2016 5y median 9.8% FY 2025
ROE 23.1%
FY 2016: 14.3%FY 2017: 10.4%FY 2018: 20.2%FY 2019: 9.7%FY 2020: 41.2%FY 2021: 23.4%FY 2022: 17.5%FY 2023: 14.1%FY 2024: 17.5%FY 2025: 23.1%
FY 2016 5y median 17.5% FY 2025
ROIC 247.3%
FY 2016: 8.1%FY 2017: 9.6%FY 2018: 13.0%FY 2019: 12.9%FY 2020: 15.7%FY 2021: 12.1%FY 2022: 8.2%FY 2023: 7.5%FY 2024: 9.0%FY 2025: 247.3%
FY 2016 5y median 9.0% FY 2025
ROA 4.8%
FY 2016: 3.5%FY 2017: 2.5%FY 2018: 5.3%FY 2019: 2.3%FY 2020: 17.9%FY 2021: 9.3%FY 2022: 5.5%FY 2023: 3.8%FY 2024: 4.0%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025

Growth (YoY)

Revenue 18.6%
FY 2016: 14.2%FY 2017: -2.2%FY 2018: 33.4%FY 2019: 20.8%FY 2020: -7.8%FY 2021: 11.5%FY 2022: 43.7%FY 2023: 22.0%FY 2024: 25.5%FY 2025: 18.6%
FY 2016 FY 2025
Operating Income 26.5%
FY 2016: -2.3%FY 2017: -4.4%FY 2018: 51.1%FY 2019: 41.4%FY 2020: 44.2%FY 2021: 15.4%FY 2022: -7.0%FY 2023: 9.9%FY 2024: 38.5%FY 2025: 26.5%
FY 2016 FY 2025
EPS (diluted) 55.9%
FY 2016: -22.6%FY 2017: -16.5%FY 2018: 131.4%FY 2019: 86.9%FY 2020: 214.5%FY 2021: -42.0%FY 2022: -8.8%FY 2023: -11.3%FY 2024: 35.3%FY 2025: 55.9%
FY 2016 FY 2025
Free Cash Flow 18.5%
FY 2016: 50.6%FY 2017: 13.6%FY 2018: 55.3%FY 2019: 27.9%FY 2020: -16.9%FY 2021: -37.8%FY 2022: 92.3%FY 2023: 31.9%FY 2024: 33.3%FY 2025: 18.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 9.0×FY 2017: 10.8×FY 2018: 11.3×FY 2019: 9.9×FY 2020: 10.6×FY 2021: 14.7×FY 2022: 16.7×FY 2023: 15.8×FY 2024: 10.0×FY 2025: 0.2×
FY 2016 5y median 14.7× FY 2025
Quick Ratio 0.2×
FY 2016: 9.0×FY 2017: 10.8×FY 2018: 11.3×FY 2019: 9.9×FY 2020: 10.6×FY 2021: 14.7×FY 2022: 16.7×FY 2023: 15.8×FY 2024: 10.0×FY 2025: 0.2×
FY 2016 5y median 14.7× FY 2025
Debt / Equity 3.4×
FY 2016: 2.7×FY 2017: 2.8×FY 2018: 2.5×FY 2019: 2.7×FY 2020: 1.1×FY 2021: 1.3×FY 2022: 1.9×FY 2023: 2.4×FY 2024: 3.0×FY 2025: 3.4×
FY 2016 5y median 2.4× FY 2025
Net Debt / EBITDA 8.5×
FY 2016: 8.6×FY 2017: 12.8×FY 2018: 7.5×FY 2019: 5.3×FY 2020: 2.5×FY 2021: 3.4×FY 2022: 7.2×FY 2023: 9.8×FY 2024: 10.5×FY 2025: 8.5×
FY 2016 5y median 8.5× FY 2025
Interest Coverage 4.4×
FY 2016: 1.9×FY 2017: 1.6×FY 2018: 2.2×FY 2019: 3.3×FY 2020: 4.1×FY 2021: 5.4×FY 2022: 3.3×FY 2023: 2.2×FY 2024: 0.0×FY 2025: 4.4×
FY 2016 5y median 3.3× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31