Enova International reported a gross margin of 61.15% and a net margin of 11.31% for the quarter ended Jun 2026. These financial ratios cover 52 quarters of results from Sep 2013 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gross Margin | 76.96% | 77.11% | 69.66% | 64.85% | 64.49% | 59.67% | 59.16% | 59.95% | 57.97% | 55.70% | 56.71% | 58.91% | 58.03% | 56.62% | 57.16% | 57.78% | 57.40% | 59.79% | 60.44% | 61.15% | ||||||||||||||||||||||||||||||||
| EBT Margin | 21.39% | 16.84% | 17.70% | 17.11% | 14.82% | 13.82% | 13.58% | 12.97% | 10.01% | 7.13% | 10.60% | 11.71% | 8.04% | 10.61% | 12.21% | 13.23% | 13.73% | 11.77% | 12.90% | 15.08% | ||||||||||||||||||||||||||||||||
| EBIT Margin | 26.93% | 22.19% | 23.53% | 21.93% | 21.59% | 21.65% | 22.61% | 22.34% | 18.81% | 16.71% | 21.45% | 23.08% | 22.28% | 21.27% | 23.06% | 24.10% | 24.51% | 22.24% | 23.67% | 25.53% | ||||||||||||||||||||||||||||||||
| EBITDA Margin | 26.93% | 22.19% | 23.53% | 21.93% | 21.59% | 21.65% | 22.61% | 22.34% | 18.81% | 16.71% | 21.45% | 23.08% | 22.28% | 21.27% | 23.06% | 24.10% | 24.51% | 22.24% | 23.67% | 25.53% | ||||||||||||||||||||||||||||||||
| Operating Margin | 26.93% | 22.19% | 23.53% | 21.93% | 21.59% | 21.65% | 22.61% | 22.34% | 18.81% | 16.71% | 21.45% | 23.08% | 22.28% | 21.27% | 23.06% | 24.10% | 24.51% | 22.24% | 23.67% | 25.53% | ||||||||||||||||||||||||||||||||
| Net Margin | 16.18% | 13.40% | 13.60% | 12.84% | 11.33% | 10.52% | 10.54% | 9.64% | 7.49% | 5.96% | 7.94% | 8.58% | 6.29% | 8.73% | 9.78% | 9.97% | 10.01% | 9.41% | 10.41% | 11.31% | ||||||||||||||||||||||||||||||||
| FCF Margin | 30.48% | 38.25% | 37.18% | 55.26% | 48.82% | 53.23% | 56.21% | 57.88% | 46.88% | 51.83% | 55.31% | 55.67% | 56.18% | 57.62% | 50.74% | 57.08% | 58.61% | 58.03% | 53.00% | 57.21% | ||||||||||||||||||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 2,431.14M | 2,614.49M | 2,904.31M | 3,150.16M | 3,381.29M | 3,645.15M | 3,813.94M | 3,877.45M | 4,005.48M | 4,344.29M | 4,611.03M | 4,726.81M | 4,896.39M | 5,120.91M | 5,361.69M | 5,591.01M | 5,843.49M | 6,215.33M | 6,672.84M | 7,049.72M | ||||||||||||||||||||||||||||||||
| Invested CapitalInvested Cap. | 2,209.63M | 2,477.45M | 2,774.70M | 2,948.75M | 3,205.80M | 3,444.80M | 3,535.13M | 3,546.36M | 3,703.82M | 4,183.99M | 4,191.08M | 4,341.65M | 4,472.43M | 4,760.41M | 4,954.00M | 5,192.17M | 5,390.15M | 5,835.10M | 6,234.32M | 6,511.00M | ||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.37 | 0.46 | 0.46 | 0.47 | 0.48 | 0.48 | 0.48 | 0.50 | 0.50 | 0.49 | 0.49 | 0.50 | 0.51 | 0.52 | 0.52 | 0.52 | 0.52 | 0.51 | 0.49 | 0.49 | ||||||||||||||||||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 4.75 | 1.46 | 4.04 | 3.59 | 3.19 | 1.89 | 2.52 | 2.45 | 2.13 | 1.70 | 1.99 | 2.04 | 2.00 | 2.02 | 2.13 | 2.22 | 2.26 | 2.10 | 2.20 | 2.42 | ||||||||||||||||||||||||||||||||
| Debt Ratio | 0.44 | 0.50 | 0.56 | 0.57 | 0.59 | 0.60 | 0.60 | 0.59 | 0.60 | 0.64 | 0.66 | 0.66 | 0.66 | 0.68 | 0.69 | 0.69 | 0.69 | 0.70 | 0.70 | 0.69 | ||||||||||||||||||||||||||||||||
| Times Interest Earned | 4.75 | 1.46 | 4.04 | 3.59 | 3.19 | 1.89 | 2.52 | 2.45 | 2.13 | 1.70 | 1.99 | 2.04 | 2.00 | 2.02 | 2.13 | 2.22 | 2.26 | 2.10 | 2.20 | 2.42 | ||||||||||||||||||||||||||||||||
| Dividends & Payouts | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| FCF Payout RatioFCF Cover | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Payout Ratio | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 24.29 | 28.70 | 23.77 | 17.70 | 17.90 | 23.42 | 27.34 | 34.06 | 37.27 | 46.32 | 35.48 | 30.60 | 50.70 | 38.85 | 33.83 | 36.71 | 35.66 | 49.19 | 37.16 | 57.02 | ||||||||||||||||||||||||||||||||
| Price to SalesP/S | 3.93 | 3.85 | 3.23 | 2.27 | 2.03 | 2.46 | 2.88 | 3.28 | 2.79 | 2.76 | 2.82 | 2.62 | 3.19 | 3.39 | 3.31 | 3.66 | 3.57 | 4.63 | 3.87 | 6.45 | ||||||||||||||||||||||||||||||||
| Price to BookP/B | 1.11 | 1.28 | 1.16 | 0.84 | 0.81 | 1.01 | 1.14 | 1.31 | 1.22 | 1.30 | 1.49 | 1.44 | 1.87 | 2.07 | 2.06 | 2.28 | 2.23 | 2.91 | 2.41 | 4.00 | ||||||||||||||||||||||||||||||||
| Enterprise Value | 1,030.81M | 1,233.06M | 1,114.89M | 783.43M | 838.03M | 1,097.78M | 1,294.53M | 1,539.77M | 1,475.62M | 1,556.02M | 1,641.93M | 1,589.36M | 2,133.40M | 2,400.57M | 2,412.50M | 2,740.25M | 2,810.24M | 3,813.58M | 3,288.77M | 5,868.52M | ||||||||||||||||||||||||||||||||
| EV to EBIT | 11.96 | 15.28 | 12.29 | 8.75 | 8.51 | 10.43 | 11.85 | 13.80 | 14.23 | 15.95 | 12.55 | 10.96 | 13.88 | 15.47 | 14.03 | 14.88 | 14.28 | 20.43 | 15.88 | 24.75 | ||||||||||||||||||||||||||||||||
| EV to EBITDA | 11.96 | 15.28 | 12.29 | 8.75 | 8.51 | 10.43 | 11.85 | 13.80 | 14.23 | 15.95 | 12.55 | 10.96 | 13.88 | 15.47 | 14.03 | 14.88 | 14.28 | 20.43 | 15.88 | 24.75 | ||||||||||||||||||||||||||||||||
| Market Capitalization | 1,258.58M | 1,398.54M | 1,246.59M | 927.52M | 925.76M | 1,197.95M | 1,392.21M | 1,639.81M | 1,538.53M | 1,610.38M | 1,718.39M | 1,649.50M | 2,200.90M | 2,474.48M | 2,468.01M | 2,795.81M | 2,863.84M | 3,885.29M | 3,384.90M | 5,990.75M | ||||||||||||||||||||||||||||||||
| Price to FCFP/FCF | 12.90 | 10.06 | 8.69 | 4.11 | 4.16 | 4.63 | 5.13 | 5.67 | 5.95 | 5.32 | 5.09 | 4.71 | 5.68 | 5.89 | 6.52 | 6.41 | 6.09 | 7.98 | 7.30 | 11.27 | ||||||||||||||||||||||||||||||||
| EV to FCF | 10.56 | 8.87 | 7.77 | 3.48 | 3.76 | 4.24 | 4.77 | 5.33 | 5.71 | 5.14 | 4.87 | 4.54 | 5.50 | 5.71 | 6.38 | 6.28 | 5.97 | 7.83 | 7.09 | 11.04 | ||||||||||||||||||||||||||||||||
| EV to CFO | 9.80 | 8.40 | 7.26 | 3.28 | 3.60 | 4.08 | 4.59 | 5.14 | 5.44 | 4.95 | 4.71 | 4.40 | 5.35 | 5.58 | 6.17 | 6.13 | 5.83 | 7.65 | 6.93 | 10.79 | ||||||||||||||||||||||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 26.93% | 22.19% | 23.53% | 21.93% | 21.59% | 21.65% | 22.61% | 22.34% | 18.81% | 16.71% | 21.45% | 23.08% | 22.28% | 21.27% | 23.06% | 24.10% | 24.51% | 22.24% | 23.67% | 25.53% | ||||||||||||||||||||||||||||||||
| Return on Capital Employed [ROCE]ROCE | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 15.86% | 13.44% | 11.21% | 9.30% | 8.98% | 8.79% | 8.80% | 9.13% | 8.98% | 8.25% | 8.08% | 8.49% | 9.17% | 9.79% | 10.13% | 10.33% | 10.33% | 10.13% | 9.91% | 9.99% | ||||||||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | 16.65% | 9.83% | 8.04% | 6.52% | 6.07% | 5.70% | 5.41% | 5.21% | 4.78% | 4.03% | 3.74% | 3.77% | 3.69% | 4.09% | 4.36% | 4.58% | 5.02% | 4.96% | 4.89% | 5.04% |