Enova International (ENVA) Debt Ratio (2013 - 2026)
Enova International's (ENVA) Debt Ratio was 0.21 for Q3 2026, down 13.3% from 0.24 a year earlier but up 2.4% from the prior quarter.
Powered by 
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%).
- Five-year quarterly Debt Ratio spans a low of 0.20 in Q2 2026 and a high of 0.30 in Q4 2021.
- Year over year, Debt Ratio has now declined in each of the last eight quarters, with an average decline of 9.0% 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 Q4 2021 (a decline of 34.1%).
- Per Business Quant data, the three quarters before Q3 2026 came in at 0.20 (Q2 2026), 0.22 (Q1 2026) and 0.23 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.85 Bn | 30.67 Bn | - | 0.41 |
| 2 | Orix | 40.49 Bn | 9.21 Bn | 12.74 Bn | 0.35 |
| 3 | Royalty Pharma | 30.29 Bn | 27.25 Bn | - | 0.45 |
| 4 | Federal National Mortgage Association Fannie Mae | 24.17 Bn | 24.17 Bn | - | 0.97 |
| 5 | Synchrony Financial | 23.76 Bn | -43.87 Bn | - | 0.07 |
| 6 | Affirm Holdings | 23.59 Bn | 17.28 Bn | - | 0.21 |
| 7 | Royal Gold | 21.59 Bn | 20.76 Bn | 390.45 Mn | 0.04 |
| 8 | Annaly Capital Management | 14.30 Bn | 5.26 Bn | - | 0.26 |
| 9 | Ares Capital | 13.80 Bn | 11.55 Bn | - | 0.49 |
| 10 | Enova International | 4.42 Bn | 4.02 Bn | 614.36 Mn | 0.21 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.21 |
| 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 |
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();