Enova International, Inc. Ratios

Ratios Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 56.35%58.83%67.06%66.77%56.01%51.50%48.24%48.68%63.13%84.79%64.37%58.08%57.55%
EBT Margin 14.28%15.89%21.79%10.81%7.70%2.70%7.08%14.48%40.18%27.91%15.72%10.73%10.20%
EBIT Margin 17.28%18.63%26.55%19.06%16.29%15.94%18.05%21.13%33.02%34.20%22.12%19.93%22.00%
EBITDA Margin 19.24%20.85%28.86%21.80%18.22%17.61%19.40%22.32%34.68%36.56%23.78%21.34%23.21%
Operating Margin 17.28%18.63%26.55%19.06%16.29%15.94%18.05%21.13%33.02%34.20%22.12%19.93%22.00%
Net Margin 8.77%10.20%13.79%6.53%4.34%1.59%0.67%-7.78%-0.03%21.28%11.96%8.27%7.88%
FCF Margin 54.11%55.33%51.45%38.57%50.83%59.26%68.90%70.53%65.67%36.61%48.98%52.97%56.26%
Efficiency
Assets Average 726.17M800.37M909.21M1,068.67M1,246.91M1,454.35M1,841.21M2,434.78M3,271.19M4,183.21M4,925.83M
Equity Average 135.23M163.52M179.98M223.83M261.69M314.73M362.19M647.72M1,005.94M1,139.60M1,213.16M1,218.55M
Invested Capital 97.42M811.25M648.16M747.88M891.61M1,070.23M1,205.70M1,367.79M1,865.30M2,477.45M3,444.80M4,183.99M4,760.41M
Asset Utilization Ratio 1.120.820.820.680.780.810.590.500.530.510.54
Leverage & Solvency
Interest Coverage Ratio 5.447.215.592.213.284.135.403.312.172.01
Debt to Equity 2.453.21
Debt Ratio 0.610.65
Equity Ratio 0.250.200.250.250.240.260.240.440.400.310.270.23
Times Interest Earned 5.447.215.592.213.284.135.403.312.172.01
Dividends & Payouts
FCF Payout Ratio 0.29
Valuation
Enterprise Value -37.55M-47.48M659.47M176.06M376.91M458.89M638.87M776.62M587.66M1,326.34M1,106.95M1,599.18M2,438.73M
Market Capitalization 734.58M218.13M416.84M508.66M666.99M812.52M883.45M1,491.82M1,207.12M1,653.53M2,512.64M
Return Ratios
Return on Sales 0.09%0.10%0.14%0.07%0.04%0.02%0.01%-0.08%0.00%0.21%0.12%0.08%0.08%
Return on Capital Employed 0.32%
Return on Invested Capital 0.20%0.19%0.11%0.08%0.08%0.15%0.19%0.15%0.10%0.09%0.10%
Return on Assets 0.15%0.05%0.04%0.01%0.01%-0.06%0.00%0.11%0.06%0.04%0.04%
Return on Equity 0.58%0.68%0.24%0.14%0.04%0.02%-0.25%0.00%0.26%0.18%0.14%0.17%