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Enova International, Inc. key statistics and ratios

In fiscal 2025, Enova International, Inc. had return on equity of 24.3% and a net margin of 9.8%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Net margin8.9%10.2%13.8%6.7%4.6%4.0%7.2%3.1%34.9%21.2%11.9%8.3%7.9%9.8%10.5%
Return on equity60.4%57.7%68.3%24.4%15.5%11.2%22.3%10.1%58.4%25.5%18.2%14.4%17.2%24.3%26.3%
Return on assets—11.3%15.4%5.5%3.8%2.7%5.6%2.5%20.5%10.5%6.3%4.2%4.3%5.3%5.4%
Effective tax rate36.6%35.8%36.7%37.6%39.8%10.5%7.7%24.7%13.1%23.8%23.9%22.9%22.7%23.1%22.7%
Dividends ÷ net income——109.6%————————————

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

69 /100

Moderate moat

How hard Enova International's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 6 / 20

    Net income has been a median 4.9% of total assets over 10 years.

  • Pricing power 11 / 20

    Gross margin has been a median 57.3%, moving by 11.3 percentage points (standard deviation) across 10 years.

  • Durability 17 / 20

    Operating margin has been a median 21.8%; its worst year was 16.7%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 10 of 10 years, at a median 54.9% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 29.0% over five years; stock-based pay has been a median 1.2% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (74 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: ENVA vs KLARBFH vs ENVAENVA vs FCFS

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Enova International, Inc.'s SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Enova International, Inc.