Enova International (ENVA) Debt Ratio (2013 - 2026)
Enova International's (ENVA) Debt Ratio was 0.20 for Q2 2026, down 15.1% from 0.24 a year earlier and down 6.7% from the prior quarter.
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Analysis
Enova International (ENVA) Debt Ratio (2013 - 2026) Analysis & Trends
For FY2025, Debt Ratio at Enova International was 0.23, down 10.0% from FY2024.
- By year, Debt Ratio came in at 0.26 in FY2024 (-9.4%), 0.28 in FY2023 (+14.7%), 0.25 in FY2022 (-17.3%) and 0.30 in FY2021 (-34.1%).
- The Q2 2026 figure ranks as the lowest quarterly Debt Ratio in data going back to Q3 2013.
- Year over year, Debt Ratio has now declined in each of the last seven quarters, with an average decline of 5.1% over the last eight quarters.
- The high point for year-over-year Debt Ratio in five years was Q2 2024 (growth of 17.9%); the low point was Q3 2021 (a decline of 52.6%).
- Per Business Quant data, the three quarters before Q2 2026 came in at 0.22 (Q1 2026), 0.23 (Q4 2025) and 0.24 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 0.27 |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 0.35 |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | 0.45 |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 0.21 |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 0.06 |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | - |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 0.04 |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 0.24 |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.09 Bn | 568.07 Mn | 0.20 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.20 |
| Mar 31, 2026 | 0.22 |
| Dec 31, 2025 | 0.23 |
| Sep 30, 2025 | 0.24 |
| Jun 30, 2025 | 0.24 |
| Mar 31, 2025 | 0.25 |
| Dec 31, 2024 | 0.26 |
| Sep 30, 2024 | 0.25 |
| Jun 30, 2024 | 0.25 |
| Mar 31, 2024 | 0.26 |
| Dec 31, 2023 | 0.28 |
| Sep 30, 2023 | 0.22 |
| Jun 30, 2023 | 0.21 |
| Mar 31, 2023 | 0.25 |
| Dec 31, 2022 | 0.25 |
| Sep 30, 2022 | 0.27 |
| Jun 30, 2022 | 0.27 |
| Mar 31, 2022 | 0.27 |
| Dec 31, 2021 | 0.30 |
| Sep 30, 2021 | 0.25 |
API Access
Enova International Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "ENVA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();