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Enova International, Inc. ENVA NYSE

NYSE • Financial Services • Financial - Credit Services • US • USD

SharesGrow Score
68/100
4/7 Pass
SharesGrow Intrinsic Value
$171.16
+11.3%
Analyst Price Target
$193.00
+25.5%

Enova International, Inc. (ENVA) reported total assets of $6.47B and total liabilities of $5.13B for fiscal year 2025, resulting in total equity of $1.34B.

The company held $71.71M in cash and short-term investments. Total debt stood at $4.56B, with net debt of $4.49B. The Debt-to-Equity (D/E) ratio was 3.41 (leveraged).

Current ratio is 0.23, which may signal tight short-term liquidity. Interest coverage is 4.4x (adequate).

Criteria supported by this page:

  • HEALTH (17/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
  • MOAT (59/100) — Total assets $6.47B and equity $1.34B support the company's competitive scale
  • VALUE (84/100) — Debt-to-Equity 3.41 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 68/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
68/100
SG Score
View full scorecard →
VALUE
84/100
Price-to-Earnings & upside
→ Valuation
FUTURE
79/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
17/100
Debt-to-Equity & liquidity
Proven by this page
~
MOAT
59/100
→ Income
GROWTH
90/100
→ Income
~
INCOME
45/100
→ Income
Enova International, Inc. Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $6.47B$5.27B$4.59B$3.78B
Total Liabilities $5.13B$4.07B$3.35B$2.59B
Total Debt $4.56B$3.6B$2.97B$2.29B
Cash & Investments $71.71M$73.91M$54.36M$100.17M
Total Stockholders Equity $1.34B$1.2B$1.24B$1.19B
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