ENVA (Enova International) Price-to-Operating-Cash-Flow : 1.98 (As of Jul. 18, 2025)

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What is Enova International Price-to-Operating-Cash-Flow?

As of today (2025-07-18), Enova International's share price is $113.63. Enova International's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Mar. 2025 was $57.30. Hence, Enova International's Price-to-Operating-Cash-Flow Ratio for today is 1.98.

The historical rank and industry rank for Enova International's Price-to-Operating-Cash-Flow or its related term are showing as below:

ENVA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.4 Med: 1.39 Max: 3.61
Current: 1.98

During the past 13 years, Enova International's highest Price-to-Operating-Cash-Flow Ratio was 3.61. The lowest was 0.40. And the median was 1.39.

ENVA's Price-to-Operating-Cash-Flow is ranked better than
81.82% of 264 companies
in the Credit Services industry
Industry Median: 6.09 vs ENVA: 1.98

Enova International's Cash Flow from Operations per share for the three months ended in Mar. 2025 was $14.43. Its Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Mar. 2025 was $57.30.

During the past 12 months, the average Operating Cash Flow per Share Growth Rate of Enova International was 44.00% per year. During the past 3 years, the average Operating Cash Flow per Share Growth Rate was 63.40% per year. During the past 5 years, the average Operating Cash Flow per Share Growth Rate was 19.10% per year. During the past 10 years, the average Operating Cash Flow per Share Growth Rate was 15.10% per year.

During the past 13 years, Enova International's highest 3-Year average Operating Cash Flow per Share Growth Rate was 63.40% per year. The lowest was -13.70% per year. And the median was 18.90% per year.

Enova International Price-to-Operating-Cash-Flow Historical Data

The historical data trend for Enova International's Price-to-Operating-Cash-Flow 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.

* Premium members only.

Enova International Price-to-Operating-Cash-Flow Chart

Enova International Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Price-to-Operating-Cash-Flow

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1.08

3.28

1.44

1.51

1.76

Enova International Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Price-to-Operating-Cash-Flow	Get a 7-Day Free Trial															1.58	1.43	1.70	1.76	1.69

Competitive Comparison of Enova International's Price-to-Operating-Cash-Flow

For the Credit Services subindustry, Enova International's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow 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's Price-to-Operating-Cash-Flow Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Enova International's Price-to-Operating-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Enova International's Price-to-Operating-Cash-Flow falls into.

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Enova International Price-to-Operating-Cash-Flow Calculation

Enova International's Price-to-Operating-Cash-Flow ratio for today is calculated as

Price-to-Operating-Cash-Flow Ratio	=	Share Price	/	Cash Flow from Operations per share (TTM)
	=	113.63	/	57.295
	=	1.98

Enova International's Share Price of today is $113.63.
Enova International's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Mar. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $57.30.

Note: Cash Flow from Operations per share is calculated as Cash Flow from Operations divided by Shares Outstanding (Diluted Average).

It can also be calculated from the numbers for the whole company:

Price-to-Operating-Cash-Flow Ratio

Market Cap

Cash Flow from Operations

Enova International Price-to-Operating-Cash-Flow Related Terms

Thank you for viewing the detailed overview of Enova International's Price-to-Operating-Cash-Flow provided by GuruFocus.com. Please click on the following links to see related term pages.

Enova International Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Enova International Inc (NYSE:ENVA) » Definitions » Price-to-Operating-Cash-Flow

Comparable Companies

Traded in Other Exchanges

27E:Germany

Address

175 West Jackson Boulevard, Suite 1000, Chicago, IL, USA, 60604

Website

https://www.enova.com

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 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.

Executives

David Fisher	director, officer: President - CEO	39 SOUTH LASALLE STREET, SUITE 220, CHICAGO IL 60605
Sean Rahilly	officer: VP - Chief Compliance Officer	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
Steven E Cunningham	officer: Executive VP - CFO & Treasurer	2500 LAKE COOK ROAD, RIVERWOODS IL 60015
James Joseph Lee	officer: Chief Accounting Officer	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., SUITE 1000, CHICAGO IL 60604
Linda Johnson Rice	director
Kirk Chartier	officer: SVP - Chief Marketing Officer	C/O OPTIONSXPRESS HOLDINGS, INC., 311 WEST MONROE; SUITE 1000, CHICAGO IL 60606
Gregg A. Kaplan	director	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604
Ellen Carnahan	director	222 WEST ADAMS ST, C/O WILLIAM BLAIR VENTURE MANAGEMENT CO, CHICAGO IL 60606-5307
James A Gray	director	39 SOUTH LASALLE STREET SUITE 220, CHICAGO IL 60605
William M Goodyear	director	NAVIGANT CONSULTING, INC, 615 N. WABASH AVENUE, CHICAGO IL 60611
Mark Mcgowan	director	C/O COMBIMATRIX CORPORATION, 6500 HARBOUR HEIGHTS PARKWAY, SUITE 303, MUKILTEO WA 98275
Gregory T Zeeman	officer: SVP - Chief Operating Officer	C/O HSBC NORTH AMERICA, 26525 N. RIVERWOODS BLVD., METTAWA IL 60045
Daniel R Feehan	director	CASH AMERICA INTL INC, 1600 W &TH ST, FORT WORTH TX 76102
Mark Tebbe	director	LANTE CORP, 161 NORTH CLARK STREET, SUITE 4900, CHICAGO IL 60601
John Higginson	officer: VP - Chief Technology Officer	C/O ENOVA INTERNATIONAL, INC., 175 W. JACKSON BLVD., CHICAGO IL 60604