Enova International (ENVA) Asset Utilization Ratio (2014 - 2026)
Enova International (ENVA) posted quarterly Asset Utilization Ratio of 0.49 for Q1 2026, down 5.62% year-over-year from 0.52 in Q1 2025, and down 3.03% on a QoQ basis from 0.51 in Q4 2025.
Enova International (ENVA) Asset Utilization Ratio (2014 - 2026) Analysis & Trends
Enova International (ENVA) has reported Asset Utilization Ratio for 13 consecutive years, with 0.49 the latest figure, recorded in Q1 2026.
- In Q1 2026, Asset Utilization Ratio fell 5.62% year-over-year to 0.49; the TTM figure through Mar 2026 stood at 0.49 (down 5.62% YoY), while the FY2025 annual figure was 0.54, changed 0.45% from the prior year.
- Asset Utilization Ratio came in at 0.49 for Q1 2026 at Enova International, down from 0.51 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.65 in Q2 2022, with the low at 0.46 in Q1 2022.
- Average Asset Utilization Ratio over 5 years is 0.52, with a median of 0.5 recorded in 2023.
- Across the five-year window, Asset Utilization Ratio jumped 86.22% in 2022 and decreased 23.06% in 2023, its largest moves.
- Year by year, Asset Utilization Ratio stood at 0.48 in 2022, then grew by 2.35% to 0.49 in 2023, then advanced by 6.47% to 0.52 in 2024, then declined by 2.3% to 0.51 in 2025, then dropped by 3.03% to 0.49 in 2026.
- According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.49, 0.51, and 0.52 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.45 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.64 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.24 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.42 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.16 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.08 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.04 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 0.14 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 0.00 |
| 10 | Enova International | - | - | 528.96 Mn | 0.49 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 0.64 |
| Jun 30, 2022 | 0.65 |
| Mar 31, 2022 | 0.46 |
| Dec 31, 2021 | 0.46 |
| Sep 30, 2021 | 0.37 |
| Jun 30, 2021 | 0.35 |