Enova International (ENVA) Interest Coverage Ratio (2013 - 2026)
Enova International (ENVA) posted Interest Coverage Ratio of 2.42 for Q2 2026, up 10.09% on a QoQ basis from 2.2 in Q1 2026, and up 9.01% year-over-year from 2.22 in Q2 2025.
Analysis
Enova International (ENVA) Interest Coverage Ratio (2013 - 2026) Analysis & Trends
Enova International has reported Interest Coverage Ratio for 10 years, with the latest figure at 2.42 in Q2 2026.
- On a quarterly basis, Interest Coverage Ratio rose 9.01% year-over-year to 2.42 in Q2 2026; TTM through Jun 2026 was 2.25, a 7.35% increase from a year earlier, with the FY2025 full-year figure at 2.18, up 8.24% from the prior year.
- Interest Coverage Ratio was 2.42 for Q2 2026 at Enova International, up from 2.2 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 4.04 in Q1 2022, with the low at 1.7 in Q4 2023.
- Average Interest Coverage Ratio over 5 years is 2.38, with a median of 2.17 recorded in 2025.
- The largest YoY upside for Interest Coverage Ratio was 29.09% in 2022 against a maximum downside of 43.25% in 2022.
- Over 5 years, Interest Coverage Ratio stood at 1.89 in 2022, then fell by 9.65% to 1.7 in 2023, then rose by 18.23% to 2.02 in 2024, then gained by 4.0% to 2.1 in 2025, then climbed by 15.64% to 2.42 in 2026.
- The last three Interest Coverage Ratio figures came in at 2.42 (Q2 2026), 2.2 (Q1 2026), and 2.1 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.07 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 | 1.89 |
| Sep 30, 2022 | 3.19 |
| Jun 30, 2022 | 3.59 |
| Mar 31, 2022 | 4.04 |
| Dec 31, 2021 | 1.46 |
| Sep 30, 2021 | 4.75 |