Enova International (ENVA) Interest Coverage Ratio (2013 - 2026)
Enova International's Interest Coverage Ratio came in at 2.39 for Q3 2026, up 5.5% from 2.26 a year earlier but down 1.5% from the prior quarter.
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Analysis
Enova International (ENVA) Interest Coverage Ratio (2013 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Enova International reported Interest Coverage Ratio of 2.28, up 5.6% year-over-year; for FY2025, it came in at 2.18, up 8.2% from FY2024.
- Going back by year, Interest Coverage Ratio was 2.01 in FY2024 (-7.1%), 2.17 in FY2023 (-34.6%), 3.31 in FY2022 (-38.6%) and 5.40 in FY2021 (+30.8%).
- The five-year range for quarterly Interest Coverage Ratio is 1.70 (Q4 2023) to 4.24 (Q4 2021).
- Year-over-year, Interest Coverage Ratio has increased for eight consecutive quarters, with growth averaging 8.6% over the last eight quarters.
- The fastest year-over-year change in Interest Coverage Ratio over five years came in Q4 2024 (growth of 18.2%), and the weakest in Q2 2022 (a decline of 43.3%).
- Business Quant data shows ENVA's Interest Coverage Ratio at 2.42 (Q2 2026), 2.20 (Q1 2026) and 2.10 (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.14 Bn | 29.96 Bn | - | 3.67 |
| 2 | Orix | 40.25 Bn | 8.97 Bn | 12.74 Bn | 2.98 |
| 3 | Royalty Pharma | 30.75 Bn | 27.71 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 24.05 Bn | 24.05 Bn | - | 1.15 |
| 5 | Synchrony Financial | 23.61 Bn | -44.01 Bn | - | 2.21 |
| 6 | Affirm Holdings | 23.13 Bn | 16.82 Bn | - | 1.24 |
| 7 | Royal Gold | 21.05 Bn | 20.22 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 14.35 Bn | 5.31 Bn | - | 0.31 |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Enova International | 4.37 Bn | 3.98 Bn | 614.36 Mn | 2.39 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.39 |
| Jun 30, 2026 | 2.42 |
| Mar 31, 2026 | 2.20 |
| Dec 31, 2025 | 2.10 |
| Sep 30, 2025 | 2.26 |
| Jun 30, 2025 | 2.22 |
| Mar 31, 2025 | 2.13 |
| Dec 31, 2024 | 2.02 |
| Sep 30, 2024 | 2.00 |
| Jun 30, 2024 | 2.04 |
| Mar 31, 2024 | 1.99 |
| Dec 31, 2023 | 1.70 |
| Sep 30, 2023 | 2.13 |
| Jun 30, 2023 | 2.45 |
| Mar 31, 2023 | 2.52 |
| Dec 31, 2022 | 2.80 |
| Sep 30, 2022 | 3.19 |
| Jun 30, 2022 | 3.59 |
| Mar 31, 2022 | 4.04 |
| Dec 31, 2021 | 4.24 |
API Access
Enova International Interest Coverage 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=interest-coverage-ratio&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-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=interest-coverage-ratio&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();