ENVA (ENVA)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$11.25B
EV / Sales3.74
EV / EBITDA14.41
EV / Operating Cash Flow5.63
EV / Free Cash Flow5.76

Return Metrics (TTM)

Return on Equity (ROE)25.76%
Return on Assets (ROA)4.92%
Return on Invested Capital (ROIC)9.28%
Return on Capital Employed (ROCE)12.11%

Yield Metrics

Earnings Yield5.62%
Free Cash Flow Yield30.86%

Balance Sheet Strength

Net Debt / EBITDA6.30
Current Ratio18.42
Working Capital$6.38B
Tangible Asset Value$1.22B
Net Current Asset Value$1.03B

Working Capital Efficiency

Days Sales Outstanding752.18
Days Payables Outstanding155.86
Operating Cycle (Days)752.20
Cash Conversion Cycle596.34

Capital Allocation

CapEx / Revenue1.54%
CapEx / Operating Cash Flow2.32%
R&D / Revenue2.24%
SG&A / Revenue30.24%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin50.13%
Operating Margin23.46%
Net Profit Margin9.78%

Solvency

Debt / Equity3.41
Quick Ratio0.23
Cash Ratio0.23

Per Share

Revenue / Share$127.30
FCF / Share$71.57
PE Ratio12.82