Enova International, Inc. Financial Ratios
ENVA / Financials|FY2025 SEC 10-K data
Includes DuPont ROE decomposition, profitability margins, liquidity ratios, solvency indicators, and earnings quality analysis. All ratios calculated from FY2025 SEC 10-K data.
Key Data Points
- Altman Z-Score 1.21 (distress zone, below 1.23 threshold)
- Cash-backed earnings: Operating cash flow exceeds net income
- Profit margin: 23.5% of revenue retained as profit
Data sourced from SEC EDGAR filings. Not investment advice.
DuPont ROE Decomposition (FY2025)
Return on Equity
23.1%
Profit Margin
9.8%
Net Income / Revenue
Asset Turnover
0.49
Revenue / Total Assets
Equity Multiplier
4.84
Total Assets / Equity
Composite: 23.1% (reported: 23.1%)
Profitability
Liquidity
Current Ratio
-
Quick Ratio
-
Solvency
Interest Coverage
5.36
Efficiency
Asset Turnover
0.49
Inventory Turnover
-
Days Sales Outstanding
-
As of FY2025 · SEC Form 10-K · Last checked Jun 30, 2026
Earnings Quality
Accrual Ratio
-25.8%
-0.5pp YoY
Earnings are primarily supported by operating cash flow.
Note: For financial institutions, operating cash flow includes lending activities, which makes this ratio less comparable to non-financial companies.
This metric is for informational purposes only and does not constitute investment advice. Data sourced from SEC EDGAR filings; updates may be delayed.