Enova International (ENVA) Debt Ratio (2013 - 2026)
Enova International (ENVA) posted Debt Ratio of 0.69 for Q2 2026, down 1.2% on a QoQ basis from 0.7 in Q1 2026, and little changed year-over-year from 0.69 in Q2 2025.
Analysis
Enova International (ENVA) Debt Ratio (2013 - 2026) Analysis & Trends
Enova International has reported Debt Ratio for 14 years, with the latest figure at 0.69 in Q2 2026.
- On a quarterly basis, Debt Ratio changed 0.27% year-over-year to 0.69 in Q2 2026; TTM through Jun 2026 was 0.69, a 0.27% change from a year earlier, with the FY2025 full-year figure at 0.7, up 2.77% from the prior year.
- Debt Ratio was 0.69 for Q2 2026 at Enova International, down from 0.7 in the prior quarter.
- The five-year high for Debt Ratio was 0.7 in Q1 2026, with the low at 0.56 in Q1 2022.
- Average Debt Ratio over 5 years is 0.64, with a median of 0.66 recorded in 2024.
- The sharpest annual moves came in 2022 and 2026: Debt Ratio jumped 35.86% in 2022, then rose 0.27% in 2026.
- Over 5 years, Debt Ratio stood at 0.6 in 2022, then grew by 7.46% to 0.64 in 2023, then gained by 5.41% to 0.68 in 2024, then advanced by 2.77% to 0.7 in 2025, then dropped by 0.17% to 0.69 in 2026.
- The last three Debt Ratio figures came in at 0.69 (Q2 2026), 0.7 (Q1 2026), and 0.7 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.13 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 0.21 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.43 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 0.58 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 0.20 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 0.69 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.15 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 0.24 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.03 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.69 |
| Mar 31, 2026 | 0.70 |
| Dec 31, 2025 | 0.70 |
| Sep 30, 2025 | 0.69 |
| Jun 30, 2025 | 0.69 |
| Mar 31, 2025 | 0.69 |
| Dec 31, 2024 | 0.68 |
| Sep 30, 2024 | 0.66 |
| Jun 30, 2024 | 0.66 |
| Mar 31, 2024 | 0.66 |
| Dec 31, 2023 | 0.64 |
| Sep 30, 2023 | 0.60 |
| Jun 30, 2023 | 0.59 |
| Mar 31, 2023 | 0.60 |
| Dec 31, 2022 | 0.60 |
| Sep 30, 2022 | 0.59 |
| Jun 30, 2022 | 0.57 |
| Mar 31, 2022 | 0.56 |
| Dec 31, 2021 | 0.50 |
| Sep 30, 2021 | 0.44 |