Enova International (ENVA) Financials

$170.02

$-3.46 (-1.99%)

As on 28-Sep-2026 16:00EDT

Market cap

$4,458 Mln

Revenue (TTM)

$3,011 Mln

P/E Ratio

12.8

P/B Ratio

2.9

Div. Yield

0 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	3,010.90	3,151.65	2,657.80	2,117.64	1,736.09	1,207.93
Cost of Revenue	784.24	1,571.69	1,418.79	1,082.50	734.41	260.18
Gross Profit	2,226.66	1,579.96	1,239.01	1,035.14	1,001.68	947.75
Operating Expenses	1,396.34	840.53	654.25	613.01	617.69	534.69
Operating Profit (EBIT)	830.33	739.43	584.76	422.14	383.99	413.06
Other Income	--	--	--	--	4.47	0.60
Profit before Tax	461.93	401.03	271.10	227.25	272.57	337.16
Provision for Tax	106.47	92.65	61.65	52.13	65.15	80.09
Profit after Tax (Net Income)	355.45	308.39	209.45	175.12	207.42	256.30
Minority Interest	--	--	--	--	-0.09	-0.77
Consolidated Profit	--	--	--	--	207.42	256.30

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	1,497.10	1,336.72	1,196.92	1,240.18	1,186.15	1,093.05
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	5,358.64	4,825.86	3,585.90	3,084.20	2,396.42	1,512.33
Current Liabilities	366.44	305.85	483.30	261.16	198.32	156.10
Total Liabilities	7,588.62	6,468.43	5,266.13	4,585.54	3,780.89	2,761.48

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	470.94	464.09	452.58	462.82	473.95	467.53
Current Assets	6,751.29	71.71	4,813.55	4,122.72	3,306.94	2,293.95
Total Assets	7,557.11	6,468.43	5,266.13	4,585.54	3,780.89	2,761.48
Total Debt*	5,045.46	4,562.46	3,595.65	2,989.03	2,292.26	1,425.39
Net Current Assets	6,416.36	5,605.33	4,330.25	3,861.56	3,108.62	2,137.85

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	1,819.12	1,538.58	1,166.87	894.00	471.87
Cash Flow from Investing Activities	--	-2,445.78	-1,911.20	-1,494.66	-1,666.27	-980.37
Cash from Financing Activities	--	711.82	318.88	526.54	724.87	365.15
Net Cash Inflow / Outflow	--	--	--	--	-47.41	-143.35

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	13.48	11.70	7.57	5.67	6.36	6.87
Cash EPS ($)	--	13.29	9.02	6.89	7.49	7.81
Adjusted Book Value ($)	--	50.72	43.26	40.15	36.35	29.28
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	69.02	55.61	37.78	27.40	12.64
Free Cash Flow per Share ($)	--	67.23	54.04	36.31	26.06	11.85

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	5.77	4.64	4.54	6.92	11.51
ROE (%)	25.09	24.34	17.19	14.44	18.20	25.48
ROA (%)	5.25	5.26	4.25	4.19	6.34	10.53
EBIT Margin (%)	24.65	15.48	11.07	10.74	15.44	27.86
Net Margin (%)	11.81	9.78	7.88	8.27	11.92	21.21
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	2.79	0.19	0.26	0.22	0.44	0.11
EBIT Growth (%)	113.46	65.80	29.45	-15.20	-20.34	24.14
Net Profit Growth (%)	-8.70	47.24	19.60	-15.57	-19.07	-32.17
EPS Growth (%)	43.76	0.55	0.34	-0.11	-0.07	-0.35
Book Value Growth (%)	25.17	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	12.79	13.44	12.66	9.76	6.04	5.97
Price / Book Value	2.86	3.10	2.22	1.38	1.06	1.40
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	18.23	16.30	18.46	16.28	11.29	7.50
Close Price ($)	240.73	157.20	95.88	55.36	38.37	40.96
High Price ($)	242.93	168.68	108.15	58.64	47.88	43.47
Low Price ($)	99.61	79.41	53.17	35.30	25.80	22.01
Market Cap ($ Cr)	4,458.30	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	3.35	3.41	3.00	2.41	1.93	1.30
Short term debt to equity ratio	0.02	--	0.19	0.02	0.03	0.03
Current Ratio	18.42	0.23	9.96	15.79	16.67	14.70
Quick Ratio	18.42	--	--	--	--	-0.05
Interest Coverage	1.83	2.88	1.01	1.17	2.31	4.40

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	206.08	174.91	2.40	173.46	180.21	171.21
Asset Turnover	0.44	0.54	0.54	0.51	0.53	0.50
Receivable days	--	323.12	256.78	586.59	546.65	506.46
Inventory Days	--	--	--	--	1,144.92	2,796.93
Payable days	--	16.02	13.17	12.50	16.90	113.18
Cash Conversion Cycle	--	--	--	--	1,674.67	3,190.21

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)