Enova International (ENVA) Times Interest Earned (2013 - 2026)
Enova International's (ENVA) Times Interest Earned was 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) Times Interest Earned (2013 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Enova International's Times Interest Earned came in at 2.28, up 5.6% year-over-year; for FY2025, it was 2.18, up 8.2% from FY2024.
- By year, Times Interest Earned came in at 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%).
- Five-year quarterly Times Interest Earned spans a low of 1.70 in Q4 2023 and a high of 4.24 in Q4 2021.
- Year over year, Times Interest Earned has now increased in each of the last eight quarters, with growth averaging 8.6% over the last eight quarters.
- The high point for year-over-year Times Interest Earned in five years was Q4 2024 (growth of 18.2%); the low point was Q2 2022 (a decline of 43.3%).
- Per Business Quant data, the three quarters before Q3 2026 came in at 2.42 (Q2 2026), 2.20 (Q1 2026) and 2.10 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.26 Bn | 30.07 Bn | - | 3.67 |
| 2 | Orix | 40.39 Bn | 9.11 Bn | 12.74 Bn | 2.98 |
| 3 | Royalty Pharma | 30.85 Bn | 27.81 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 24.41 Bn | 24.41 Bn | - | 1.15 |
| 5 | Synchrony Financial | 23.65 Bn | -43.98 Bn | - | 2.21 |
| 6 | Affirm Holdings | 23.35 Bn | 17.04 Bn | - | 1.24 |
| 7 | Royal Gold | 21.50 Bn | 20.68 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 14.39 Bn | 5.35 Bn | - | 0.31 |
| 9 | Ares Capital | 14.00 Bn | 11.75 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.03 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 Times Interest Earned 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=times-interest-earned&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();