Enova International (ENVA) Return on Invested Capital [ROIC] (2014 - 2026)
Enova International's Return on Invested Capital [ROIC] was 21.63% in Q2 2026, up 1.31 percentage points from 20.32% a year earlier and up 0.81 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) Return on Invested Capital [ROIC] (2014 - 2026) Analysis & Trends
For FY2025, Return on Invested Capital [ROIC] at Enova International came in at 21.13%, up 3.38 percentage points from FY2024.
- Return on Invested Capital [ROIC] shows a five-year change of +2.04 percentage points (FY2020 to FY2025).
- In earlier years, Return on Invested Capital [ROIC] was 17.75% in FY2024 (+3.79 pp), 13.96% in FY2023 (-0.51 pp), 14.47% in FY2022 (-2.14 pp) and 16.61% in FY2021 (-2.48 pp).
- The Q2 2026 figure marks the highest quarterly Return on Invested Capital [ROIC] since Q2 2021.
- Compared with a year earlier, Return on Invested Capital [ROIC] has increased for nine straight quarters, with an average year-over-year change of +3.11 percentage points over the last eight quarters.
- The best year-over-year quarter for Return on Invested Capital [ROIC] over five years was Q1 2025 (a gain of 5.48 percentage points); the worst was Q2 2022 (a drop of 10.32 percentage points).
- Per Business Quant data, ENVA's Return on Invested Capital [ROIC] in the three quarters before Q2 2026 was 20.83% (Q1 2026), 20.46% (Q4 2025) and 20.49% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | 3.08% |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 2.93% |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | - |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | 5.55% |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | 26.91% |
| 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 | 9.67% |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | 16.56% |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.09 Bn | 568.07 Mn | 21.63% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 21.63% |
| Mar 31, 2026 | 20.83% |
| Dec 31, 2025 | 20.46% |
| Sep 30, 2025 | 20.49% |
| Jun 30, 2025 | 20.32% |
| Mar 31, 2025 | 19.31% |
| Dec 31, 2024 | 18.09% |
| Sep 30, 2024 | 16.90% |
| Jun 30, 2024 | 15.41% |
| Mar 31, 2024 | 13.82% |
| Dec 31, 2023 | 13.87% |
| Sep 30, 2023 | 15.42% |
| Jun 30, 2023 | 15.24% |
| Mar 31, 2023 | 14.31% |
| Dec 31, 2022 | 13.91% |
| Sep 30, 2022 | 13.55% |
| Jun 30, 2022 | 13.62% |
| Mar 31, 2022 | 15.39% |
| Dec 31, 2021 | 17.13% |
| Sep 30, 2021 | 21.42% |
API Access
Enova International Return on Invested Capital [ROIC] 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-invested-capital-%5Broic%5D&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "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-invested-capital-%5Broic%5D&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();