Enova International, Inc. cash flow to debt ratio of 39.87% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Enova International, Inc.'s free cash flow has increased 18.51% from $1.50B last year to $1.77B, signaling increasing performance

Enova International, Inc.'s debt to equity ratio is 3.37, which means that the company's assets are unhealthy financed, signaling financial risk.

Enova International, Inc.'s debt has increased relative to shareholder equity from 3.00 last year to 3.37 today, signaling weakened financials

Enova International, Inc. has a net debt to EBITDA ratio of 8.48x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Enova International, Inc.'s interest coverage ratio is -8.07, which means that the company struggles to meet interest obligations, signaling financial risk.

Enova International, Inc.'s profit margin has increased (49.81%) in the last year from 7.88% to 11.81%, signaling increasing performance

Enova International, Inc.'s short-term liabilities of $305.85M exceed its short-term assets of $71.71M, signaling financial risk

Enova International, Inc.'s return on assets of 4.92% is lower than the 5.00% threshold, indicating inefficient asset utilization

Enova International, Inc.'s return on equity of 25.76%, is higher than 15.00%, indicating good performance

Enova International, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Enova International, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Enova International, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Enova International, Inc. has a free cash flow yield of 28.18%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Enova International, Inc.'s yearly earnings has increased 47.24% since last year from $209.45M to $308.39M, signaling increasing performance

Enova International, Inc.'s yearly revenue has increased 18.58% since last year from $2.66B to $3.15B, signaling increasing performance

ROIC 9.28% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Enova International, Inc.'s 3-year revenue CAGR of 21.99% is positive, indicating growing revenue over the past 3 years

Enova International, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Enova International, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Enova International, Inc. is undervalued relative to its fair value price of 1.08K based on Discounted Cash Flow model

Enova International, Inc. has an earnings yield of 5.66%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Enova International, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Enova International, Inc. has an EV/EBITDA ratio of 20.34x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Enova International, Inc. is undervalued relative to its fair value price of 566.79 based on Earnings Fair Value model

Enova International, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Enova International, Inc. has a price-to-book ratio of 4.20x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Enova International, Inc. has a price-to-sales ratio of 2.09x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue