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Enova InternationalENVA -6.68%77 Cash Ratio is 0.36 as of Jun. 2026, which is 36% below its 10-year median of 0.56. GuruFocus rates ENVA with a GF Score™ of 77/100 and a GF Value™ of $143.52 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 390 Credit Services companies, Enova International ranks worse than 58.46% on this metric.
Enova International has a Cash Ratio of 0.36. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Enova International's Cash Ratio or its related term are showing as below:
ENVA'
s Cash Ratio Range Over the Past 10 Years
Min: 0.18 Med: 0.56 Max: 5.33
Current: 0.36
During the past 13 years, Enova International's highest Cash Ratio was 5.33. The lowest was 0.18. And the median was 0.56.
ENVA's Cash Ratio is ranked worse than 58.46% of 390
companies
in the Credit Services industry
Industry Median: 0.54
vs ENVA: 0.36
Enova International (NYSE:ENVA) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Enova International Cash Ratio Related Terms
Enova International Cash Ratio Historical Data
* Premium members only.
The historical data trend for Enova International's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Enova International's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Enova International Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enova International (ENVA) has a Cash Ratio of 0.36 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Enova International and its competitors. This is 36% below median its historical median of 0.56. Over the past decade, Enova International's Cash Ratio has ranged from 0.18 to 5.33. According to the industry distribution chart, Enova International ranks #228 out of 390 companies in the Credit Services industry, placing it in the top 58.5%.
Is Enova International's Cash Ratio too high?
Enova International's current Cash Ratio of 0.36 is 36% below median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 5.33. The Credit Services industry median Cash Ratio is 0.54. Enova International's value of 0.36 is 33.3% below this industry median. Based on the distribution chart, Enova International ranks #228 out of 390 companies in the Credit Services industry, which is below the industry midpoint. Overall, Enova International has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Cash Ratio compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #228 out of 390 companies for Cash Ratio. This places Enova International in the lower half of its industry. The industry median Cash Ratio is 0.54. Enova International's value of 0.36 is 33.3% below this benchmark. Historically, Enova International's own Cash Ratio has ranged from 0.18 to 5.33 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 0.54, Enova International has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.54, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Cash Ratio of 0.36 is 33.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Enova International and its competitors. For the Credit Services industry, the median Cash Ratio is 0.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Cash Ratio is 0.36, which is 36% below median its own 10-year median of 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enova International stock overvalued right now?
Based on GuruFocus' analysis, Enova International (ENVA) is currently considered Significantly Overvalued. The stock's GF Value™ is $143.52, compared to a current price of $237.39 — trading 65.4% above its estimated fair value. The current Cash Ratio is 0.36, which is 36% below median its 10-year median of 0.56 and 33.3% below the Credit Services industry median of 0.54. Enova International's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Enova International (ENVA), the current Cash Ratio is 0.36 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Enova International (ENVA) Overvalued in 2026?
Based on GuruFocus' analysis, Enova International stock appears to be overvalued.
The current stock price of $237.39 is trading 65.4% above its estimated GF Value™ of $143.52.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Cash Ratio: 0.36 (36% below median its 10-year median of 0.56)
GF Value™: $143.52 vs. price of $237.39 (65.4% above fair value)
Industry Position: 33.3% below the Credit Services median (#228 of 390)
No single metric tells the full story. See the ENVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
77GF Score
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