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Enova International (DE:27E)
FRANKFURT:27E
Germany Market
27E
Enova International
RESEARCH TOOLSreports

Enova International (27E) Ratios

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Enova International Ratios

DE:27E's free cash flow for Q2 2026 was $0.98. For the 2026 fiscal year, DE:27E's free cash flow was decreased by $ and operating cash flow was $0.49. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 18.42 0.23 9.96 15.79 16.67
Quick Ratio
 18.42 0.23 9.96 15.79 16.67
Cash Ratio
 0.33 0.23 0.15 1.45 0.51
Solvency Ratio
 0.07 0.07 0.06 0.06 0.09
Operating Cash Flow Ratio
 5.46 5.95 3.18 4.47 4.51
Short-Term Operating Cash Flow Coverage
 0.00 0.00 6.59 52.23 0.00
Net Current Asset Value
$ 1.03B$ -5.06B$ 744.35M$ 777.36M$ 712.19M
Leverage Ratios
Debt-to-Assets Ratio
 0.70 0.71 0.68 0.65 0.61
Debt-to-Equity Ratio
 3.37 3.41 3.00 2.41 1.93
Debt-to-Capital Ratio
 0.77 0.77 0.75 0.71 0.66
Long-Term Debt-to-Capital Ratio
 0.77 0.77 0.74 0.70 0.66
Financial Leverage Ratio
 4.82 4.84 4.40 3.70 3.19
Debt Service Coverage Ratio
 -6.56 2.58 1.17 0.98 2.07
Interest Coverage Ratio
 -8.07 4.36 0.00 2.17 3.31
Debt to Market Cap
 0.90 1.16 1.38 1.75 1.82
Interest Debt Per Share
 198.67 191.13 133.57 103.80 74.58
Net Debt to EBITDA
 6.30 8.48 10.53 9.84 7.19
Profitability Margins
Gross Profit Margin
73.95%50.13%46.62%48.88%57.70%
EBIT Margin
24.65%15.48%11.07%10.74%15.44%
EBITDA Margin
25.94%16.81%12.59%12.54%17.57%
Operating Profit Margin
27.58%23.46%22.00%19.93%22.12%
Pretax Profit Margin
15.34%12.72%10.20%10.73%15.70%
Net Profit Margin
11.81%9.78%7.88%8.27%11.95%
Continuous Operations Profit Margin
11.81%9.78%7.88%8.27%11.95%
Net Income Per EBT
76.95%76.90%77.26%77.06%76.10%
EBT Per EBIT
55.63%54.24%46.36%53.83%70.98%
Return on Assets (ROA)
4.92%4.77%3.98%3.82%5.49%
Return on Equity (ROE)
25.76%23.07%17.50%14.12%17.49%
Return on Capital Employed (ROCE)
12.11%12.00%12.23%9.76%10.72%
Return on Invested Capital (ROIC)
9.28%247.28%9.01%7.48%8.16%
Return on Tangible Assets
5.12%4.99%4.21%4.08%5.97%
Earnings Yield
6.39%7.92%8.11%10.31%16.74%
Efficiency Ratios
Receivables Turnover
 0.49 0.57 41.69 0.58 0.55
Payables Turnover
 2.34 0.00 24.07 24.98 23.86
Inventory Turnover
 17.82K 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 19.35 17.40 19.24 17.22 15.42
Asset Turnover
 0.42 0.49 0.50 0.46 0.46
Working Capital Turnover Ratio
 0.99 1.54 0.65 0.61 0.66
Cash Conversion Cycle
 596.34 638.41 -6.41 618.53 642.46
Days of Sales Outstanding
 752.18 638.41 8.76 633.14 657.75
Days of Inventory Outstanding
 0.02 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 155.86 0.00 15.17 14.61 15.30
Operating Cycle
 752.20 638.41 8.76 633.14 657.75
Cash Flow Ratios
Operating Cash Flow Per Share
 80.36 73.48 57.15 38.04 27.69
Free Cash Flow Per Share
 78.49 71.57 55.54 36.57 26.34
CapEx Per Share
 1.87 1.90 1.61 1.47 1.35
Free Cash Flow to Operating Cash Flow
 0.98 0.97 0.97 0.96 0.95
Dividend Paid and CapEx Coverage Ratio
 43.08 38.59 35.43 25.79 20.49
Capital Expenditure Coverage Ratio
 43.08 38.59 35.43 25.79 20.49
Operating Cash Flow Coverage Ratio
 0.40 0.40 0.43 0.39 0.39
Operating Cash Flow to Sales Ratio
 0.66 0.58 0.58 0.55 0.51
Free Cash Flow Yield
35.09%45.53%57.93%66.05%68.64%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.64 12.82 12.32 9.70 5.97
Price-to-Sales (P/S) Ratio
 1.85 1.23 0.97 0.80 0.71
Price-to-Book (P/B) Ratio
 3.71 2.91 2.16 1.37 1.04
Price-to-Free Cash Flow (P/FCF) Ratio
 2.85 2.20 1.73 1.51 1.46
Price-to-Operating Cash Flow Ratio
 2.78 2.14 1.68 1.46 1.39
Price-to-Earnings Growth (PEG) Ratio
 0.36 0.22 0.34 -0.88 -0.67
Price-to-Fair Value
 3.71 2.91 2.16 1.37 1.04
Enterprise Value Multiple
 13.43 15.82 18.24 16.23 11.25
Enterprise Value
 10.49B 8.38B 6.10B 4.31B 3.43B
EV to EBITDA
 13.43 15.82 18.24 16.23 11.25
EV to Sales
 3.48 2.66 2.30 2.04 1.98
EV to Free Cash Flow
 5.37 4.73 4.08 3.84 4.03
EV to Operating Cash Flow
 5.25 4.61 3.97 3.69 3.84
Tangible Book Value Per Share
 48.87 42.56 33.68 30.71 27.24
Shareholders’ Equity Per Share
 60.18 53.99 44.46 40.43 36.73
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.23 0.23 0.24
Revenue Per Share
 121.03 127.30 98.73 69.04 53.77
Net Income Per Share
 14.29 12.46 7.78 5.71 6.42
Tax Burden
 0.77 0.77 0.77 0.77 0.76
Interest Burden
 0.62 0.82 0.92 1.00 1.02
Research & Development to Revenue
 0.02 0.02 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.25 0.26 0.08 0.08
Stock-Based Compensation to Revenue
 0.01 0.01 0.01 0.01 0.01
Income Quality
 5.62 5.90 7.35 6.66 4.31
Currency in USD