Enova International (ENVA) Asset Utilization Ratio (2014 - 2026)
Enova International (ENVA) posted Asset Utilization Ratio of 0.49 for Q2 2026, down 0.59% on a QoQ basis from 0.49 in Q1 2026, and down 6.69% year-over-year from 0.52 in Q2 2025.
Analysis
Enova International (ENVA) Asset Utilization Ratio (2014 - 2026) Analysis & Trends
Enova International has reported Asset Utilization Ratio for 13 years, with the latest figure at 0.49 in Q2 2026.
- On a quarterly basis, Asset Utilization Ratio fell 6.69% year-over-year to 0.49 in Q2 2026; TTM through Jun 2026 was 0.49, a 6.69% decrease from a year earlier, with the FY2025 full-year figure at 0.54, changed 0.45% from the prior year.
- Asset Utilization Ratio was 0.49 for Q2 2026 at Enova International, down from 0.49 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.52 in Q2 2025, with the low at 0.46 in Q1 2022.
- Average Asset Utilization Ratio over 5 years is 0.5, with a median of 0.49 recorded in 2023.
- The largest YoY upside for Asset Utilization Ratio was 35.35% in 2022 against a maximum downside of 13.64% in 2022.
- Over 5 years, Asset Utilization Ratio stood at 0.48 in 2022, then advanced by 2.35% to 0.49 in 2023, then rose by 6.47% to 0.52 in 2024, then slipped by 2.3% to 0.51 in 2025, then dropped by 3.6% to 0.49 in 2026.
- The last three Asset Utilization Ratio figures came in at 0.49 (Q2 2026), 0.49 (Q1 2026), and 0.51 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.16 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 0.29 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.76 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 0.27 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 0.07 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 0.49 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.18 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.24 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 0.74 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 0.02 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.49 |
| Mar 31, 2026 | 0.49 |
| Dec 31, 2025 | 0.51 |
| Sep 30, 2025 | 0.52 |
| Jun 30, 2025 | 0.52 |
| Mar 31, 2025 | 0.52 |
| Dec 31, 2024 | 0.52 |
| Sep 30, 2024 | 0.51 |
| Jun 30, 2024 | 0.50 |
| Mar 31, 2024 | 0.49 |
| Dec 31, 2023 | 0.49 |
| Sep 30, 2023 | 0.50 |
| Jun 30, 2023 | 0.50 |
| Mar 31, 2023 | 0.48 |
| Dec 31, 2022 | 0.48 |
| Sep 30, 2022 | 0.48 |
| Jun 30, 2022 | 0.47 |
| Mar 31, 2022 | 0.46 |
| Dec 31, 2021 | 0.46 |
| Sep 30, 2021 | 0.37 |