Enova International, Inc. ENVA NYSE

Enova International, Inc. (ENVA) generated $1.82B in operating cash flow for fiscal year 2025. After capital expenditures of $47.14M, free cash flow was $1.77B.

Free cash flow margin was 56.2% of revenue. Cash conversion ratio was 5.9x, indicating earnings are backed by cash.

The company returned $214.59M in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (59/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (45/100) — Cash conversion ratio was 5.9x confirms earnings are backed by real cash flow

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