Enova International, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Enova International, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$7Sales grew 82% in 3 years; of every extra $100 of sales, $7 became extra profit.
Lower than 69% of Financial Services companies in United States.
Asset Productivity Ratio
+82% / +71%In 3 years sales changed by +82% while total assets changed by +71%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
96%Of every $100 the company owns, $96 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 71% of Financial Services companies in United States.
Tangible Net Worth Ratio
79%Of every $100 of net worth, $79 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 58% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Enova International, Inc. owes $0.79 for every $1 it owns. Net profit rose 47% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.1Investors pay $13.1 for every $1 of Enova International, Inc.'s yearly profit, higher than 54% of Financial Services companies in United States.
P/B ratio
2.94The share price is 2.94 times Enova International, Inc.'s book value per share, higher than 87% of Financial Services companies in United States.
Market cap
$4.4 BThe total market value of all of Enova International, Inc.'s shares at today's price (share price × number of shares), larger than 78% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.5 BWhat Enova International, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$60.13Net worth divided by the number of shares. The share price of $176.78 is 2.9 times this, which is the P/B above.
Return on equity (ROE)
26.1%Enova International, Inc. earned 26.1% on its shareholders' money over the last year, higher than 91% of Financial Services companies in United States.
Owes vs Owns
0.79×Enova International, Inc. owes $0.79 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneEnova International, Inc. does not currently pay a dividend.
Revenue growth
+19%Revenue rose 19% in the year to Dec 2025, and grew 22% a year on average over 3 years.
Profit growth
+47%Net profit rose 47% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Profit margin
9.8%Enova International, Inc. keeps $10 of every $100 of revenue as net profit.
Questions
What is Enova International, Inc.'s P/E ratio?
Investors pay $13.1 for every $1 of Enova International, Inc.'s yearly profit, higher than 54% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Enova International, Inc.: $4.4 B ÷ $1.5 B (30 Jun 2026) = 2.9.
What is Enova International, Inc.'s return on equity?
Enova International, Inc. earned 26.1% on its shareholders' money over the last year, higher than 91% of Financial Services companies in United States.
How much does Enova International, Inc. owe compared with what it owns?
Enova International, Inc. owes $0.79 for every $1 it owns (moderate), lower than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Enova International, Inc. pay a dividend?
No. Enova International, Inc. does not currently pay a dividend.
Is Enova International, Inc.'s revenue growing?
Revenue rose 19% in the year to Dec 2025, and grew 22% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.