Enova International (ENVA) Return on Assets [ROA] (2014 - 2026)
Enova International's Return on Assets [ROA] was 5.13% in Q3 2026, up 0.11 percentage points from 5.02% a year earlier and up 0.09 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) Return on Assets [ROA] (2014 - 2026) Analysis & Trends
For FY2025, Return on Assets [ROA] at Enova International came in at 5.26%, up 1.00 percentage points from FY2024.
- Return on Assets [ROA] shows a five-year change of -15.27 percentage points (FY2020 to FY2025).
- In earlier years, Return on Assets [ROA] was 4.25% in FY2024 (+0.07 pp), 4.19% in FY2023 (-2.15 pp), 6.34% in FY2022 (-4.22 pp) and 10.56% in FY2021 (-9.97 pp).
- The Q3 2026 figure marks the highest quarterly Return on Assets [ROA] since Q2 2023.
- Compared with a year earlier, Return on Assets [ROA] has increased for eight straight quarters, with an average year-over-year change of +0.60 percentage points over the last eight quarters.
- The best year-over-year quarter for Return on Assets [ROA] over five years was Q3 2025 (a gain of 1.33 percentage points); the worst was Q2 2022 (a drop of 14.72 percentage points).
- Per Business Quant data, ENVA's Return on Assets [ROA] in the three quarters before Q3 2026 was 5.04% (Q2 2026), 4.89% (Q1 2026) and 4.96% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.91 Bn | 30.73 Bn | - | 2.15% |
| 2 | Orix | 39.07 Bn | 7.79 Bn | 12.74 Bn | 3.64% |
| 3 | Royalty Pharma | 30.28 Bn | 27.65 Bn | - | 5.97% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.05 Bn | 25.05 Bn | - | 0.36% |
| 5 | Synchrony Financial | 23.65 Bn | -43.97 Bn | - | 2.73% |
| 6 | Affirm Holdings | 22.85 Bn | 15.90 Bn | - | 12.48% |
| 7 | Royal Gold | 22.28 Bn | 21.46 Bn | 390.45 Mn | 7.87% |
| 8 | Annaly Capital Management | 14.27 Bn | 5.23 Bn | - | 0.78% |
| 9 | Ares Capital | 13.85 Bn | 11.60 Bn | - | - |
| 10 | Enova International | 4.34 Bn | 3.94 Bn | 614.36 Mn | 5.13% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 5.13% |
| Jun 30, 2026 | 5.04% |
| Mar 31, 2026 | 4.89% |
| Dec 31, 2025 | 4.96% |
| Sep 30, 2025 | 5.02% |
| Jun 30, 2025 | 4.58% |
| Mar 31, 2025 | 4.36% |
| Dec 31, 2024 | 4.09% |
| Sep 30, 2024 | 3.69% |
| Jun 30, 2024 | 3.77% |
| Mar 31, 2024 | 3.74% |
| Dec 31, 2023 | 4.03% |
| Sep 30, 2023 | 4.77% |
| Jun 30, 2023 | 5.20% |
| Mar 31, 2023 | 5.40% |
| Dec 31, 2022 | 5.69% |
| Sep 30, 2022 | 6.07% |
| Jun 30, 2022 | 6.52% |
| Mar 31, 2022 | 8.04% |
| Dec 31, 2021 | 9.83% |
API Access
Enova International Return on Assets [ROA] 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=return-on-assets-%5Broa%5D&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "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=return-on-assets-%5Broa%5D&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();