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Enova International stock: key metrics
ENVAEnova International had an operating margin of 23.5% and a return on invested capital (ROIC) of 10.8% in fiscal 2025.
Margins show how much of revenue is left over, returns on capital how hard the invested money works.
Daily figure as of 13 Nov 2026
Margins
- Gross margin
- Operating margin
- Net margin
Figures as a table
| Year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| 2009 | 52.5% | 10.9% | 6.9% |
| 2010 | 52.3% | 10.3% | 6.6% |
| 2011 | 54.4% | 15.9% | 7.7% |
| 2012 | 53.2% | 17.3% | 8.9% |
| 2013 | 56.2% | 18.6% | 10.2% |
| 2014 | 62.3% | 26.5% | 13.8% |
| 2015 | 58.7% | 19.1% | 6.7% |
| 2016 | 47.2% | 16.3% | 4.6% |
| 2017 | 41.4% | 15.9% | no data |
| 2018 | 40.1% | 18.0% | 7.2% |
| 2019 | 42.2% | 21.1% | no data |
| 2020 | 55.1% | 33.0% | 34.9% |
| 2021 | 78.5% | 34.2% | 21.2% |
| 2022 | 57.7% | 22.1% | 11.9% |
| 2023 | 48.9% | 19.9% | 8.3% |
| 2024 | 46.6% | 22.0% | 7.9% |
| 2025 | 50.1% | 23.5% | 9.8% |
Returns on capital
- ROE
- ROIC
- ROA
Figures as a table
| Year | ROE | ROIC | ROA |
|---|---|---|---|
| 2009 | 32.0% | 6.2% | 4.7% |
| 2010 | 31.1% | 8.1% | 5.9% |
| 2011 | 89.1% | 13.0% | 6.9% |
| 2012 | 60.4% | 10.9% | 9.6% |
| 2013 | 45.1% | 12.5% | 11.3% |
| 2014 | 72.5% | 24.2% | 14.7% |
| 2015 | 21.4% | 12.1% | 5.2% |
| 2016 | 14.3% | 9.4% | 3.5% |
| 2017 | no data | 11.2% | no data |
| 2018 | 20.2% | 14.8% | 5.3% |
| 2019 | no data | 14.7% | no data |
| 2020 | 41.2% | 20.7% | 17.9% |
| 2021 | 23.4% | 15.8% | 9.3% |
| 2022 | 17.5% | 10.2% | 5.5% |
| 2023 | 14.1% | 9.0% | 3.8% |
| 2024 | 17.5% | 10.5% | 4.0% |
| 2025 | 23.1% | 10.8% | 4.8% |
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 2 Oct 2026)
- Valuation signal Undervalued since 12 Nov 2026, previously Fairly valued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.