Enova International (STU:27E) Interest Coverage: N/A (As of Jun. 2026)

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STU:27E Enova International Inc STU:27E
77 GF Score
Price €222.00
GF Value €122.93
Valuation Significantly Overvalued
! 11 Warning Signs
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What is Enova International Interest Coverage?

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income by its Interest Expense. Enova International's Operating Income for the three months ended in Jun. 2026 was €121 Mil. Enova International's Interest Expense for the three months ended in Jun. 2026 was €0 Mil. GuruFocus does not calculate 's interest coverage with the available data. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Enova International's Interest Coverage or its related term are showing as below:


STU:27E's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 52.24
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Enova International  (STU:27E) Interest Coverage Explanation

Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.

Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .

Enova International Interest Coverage Related Terms

Enova International Interest Coverage Historical Data

* Premium members only.

The historical data trend for Enova International's Interest Coverage 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.

Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Enova International Interest Coverage Chart

Enova International Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

Enova International Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

STU:27E vs CACC, KLAR, SEZL: Interest Coverage Comparison

For the Credit Services subindustry, Enova International's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Enova International's Interest Coverage falls into.


STU:27E
77GF Score
Enova International Inc STU:27E
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Enova International Interest Coverage Calculation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Enova International's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, Enova International's Interest Expense was €0 Mil. Its Operating Income was €347 Mil. And its Long-Term Debt & Capital Lease Obligation was €3,792 Mil.

GuruFocus does not calculate Enova International's interest coverage with the available data.

Enova International's Interest Coverage for the quarter that ended in Jun. 2026 is calculated as

Here, for the three months ended in Jun. 2026, Enova International's Interest Expense was €0 Mil. Its Operating Income was €121 Mil. And its Long-Term Debt & Capital Lease Obligation was €4,379 Mil.

GuruFocus does not calculate Enova International's interest coverage with the available data.

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Is Enova International (STU:27E) Overvalued in 2026?

Based on GuruFocus' analysis, Enova International stock appears to be overvalued. The current stock price of €222.00 is trading 80.6% above its estimated GF Value™ of €122.93. GuruFocus considers Enova International to be Significantly Overvalued.

Key valuation signals for STU:27E:

  • Interest Coverage: N/A
  • GF Value™: €122.93 vs. price of €222.00 (80.6% above fair value)
  • GF Score™: 77/100 with 11 warning signs

No single metric tells the full story. See the STU:27E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Enova International Business Description

Other Exchanges ENVA:USA27E:Germany
Address 175 West Jackson Boulevard, Suite 600, Chicago, IL, USA, 60604
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

Get the complete analysis for STU:27E

Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€222.00
Price
€122.93
GF Value