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Enova InternationalENVA -2.68%75 Quick Ratio is 20.16 as of Jun. 2026, which is 44% above its 10-year median of 13.99. GuruFocus rates ENVA with a GF Score™ of 75/100 and a GF Value™ of $141.63 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 400 Credit Services companies, Enova International ranks better than 66.75% on this metric.
Enova International (NYSE:ENVA) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Enova International Quick Ratio Related Terms
Enova International Quick Ratio Historical Data
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The historical data trend for Enova International's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Enova International's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Enova International's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Enova International's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 20.16 as of Jun. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Enova International and its competitors. This is 44% above median its historical median of 13.99. Over the past decade, Enova International's Quick Ratio has ranged from 7.14 to 21.75. According to the industry distribution chart, Enova International ranks #133 out of 400 companies in the Credit Services industry, placing it in the top 33.2%.
Is Enova International's Quick Ratio too high?
Enova International's current Quick Ratio of 20.16 is 44% above median its 10-year median of 13.99. Over the past 10 years, this metric has ranged from a low of 7.14 to a high of 21.75. The Credit Services industry median Quick Ratio is 3.71. Enova International's value of 20.16 is 443.4% above this industry median. Based on the distribution chart, Enova International ranks #133 out of 400 companies in the Credit Services industry, which is above the industry midpoint. Overall, Enova International has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enova International's Quick Ratio compare to CACC and KLAR?
According to the Credit Services industry distribution chart, Enova International ranks #133 out of 400 companies for Quick Ratio. This puts Enova International in the upper half of its industry. The industry median Quick Ratio is 3.71. Enova International's value of 20.16 is 443.4% above this benchmark. Historically, Enova International's own Quick Ratio has ranged from 7.14 to 21.75 over the past decade. While the company's 10-year median is 13.99 vs. the industry median of 3.71, Enova International has consistently been above 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 3.71, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Enova International's current Quick Ratio of 20.16 is 443.4% above 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Enova International and its competitors. For the Credit Services industry, the median Quick Ratio is 3.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enova International's current Quick Ratio is 20.16, which is 44% above median its own 10-year median of 13.99. 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 $141.63, compared to a current price of $255.96 — trading 80.7% above its estimated fair value. The current Quick Ratio is 20.16, which is 44% above median its 10-year median of 13.99 and 443.4% above the Credit Services industry median of 3.71. Enova International's overall GF Score™ is 75/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Enova International (ENVA), the current Quick Ratio is 20.16 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 $255.96 is trading 80.7% above its estimated GF Value™ of $141.63.
GuruFocus considers Enova International to be Significantly Overvalued.
Key valuation signals for ENVA:
Quick Ratio: 20.16 (44% above median its 10-year median of 13.99)
GF Value™: $141.63 vs. price of $255.96 (80.7% above fair value)
Industry Position: 443.4% above the Credit Services median (#133 of 400)
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.
75GF Score
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