Enova International Inc
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications … Read more
Enova International Inc (ENVA) - Net Assets
Latest net assets as of December 2025: $1.34 Billion USD
Based on the latest financial reports, Enova International Inc (ENVA) has net assets worth $1.34 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.47 Billion) and total liabilities ($5.13 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.34 Billion |
| % of Total Assets | 20.67% |
| Annual Growth Rate | 22.02% |
| 5-Year Change | 22.29% |
| 10-Year Change | 453.05% |
| Growth Volatility | 48.55 |
Enova International Inc - Net Assets Trend (2009–2025)
This chart illustrates how Enova International Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Enova International Inc (2009–2025)
The table below shows the annual net assets of Enova International Inc from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.34 Billion | +11.68% |
| 2024-12-31 | $1.20 Billion | -3.49% |
| 2023-12-31 | $1.24 Billion | +4.56% |
| 2022-12-31 | $1.19 Billion | +8.52% |
| 2021-12-31 | $1.09 Billion | +18.96% |
| 2020-12-31 | $918.83 Million | +143.97% |
| 2019-12-31 | $376.61 Million | +8.29% |
| 2018-12-31 | $347.77 Million | +23.46% |
| 2017-12-31 | $281.69 Million | +16.54% |
| 2016-12-31 | $241.70 Million | +17.35% |
| 2015-12-31 | $205.97 Million | +33.76% |
| 2014-12-31 | $153.98 Million | -11.02% |
| 2013-12-31 | $173.05 Million | +77.64% |
| 2012-12-31 | $97.42 Million | +134.51% |
| 2011-12-31 | $41.54 Million | -47.99% |
| 2010-12-31 | $79.87 Million | +44.30% |
| 2009-12-31 | $55.35 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Enova International Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3563.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $2.01 Billion | 150.08% |
| Other Comprehensive Income | $-9.50 Million | -0.71% |
| Total Equity | $1.34 Billion | 100.00% |
Enova International Inc Competitors by Market Cap
The table below lists competitors of Enova International Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Industrias CH S. A. B. de C. V
PINK:ICHBF
|
$3.27 Billion |
|
Sinopharm Group Co. Ltd
F:X2S
|
$3.27 Billion |
|
RIT CAP. PARTNERS LS 1
F:1IH
|
$3.27 Billion |
|
Mediobanca Banca di Credito Finanziario S.p.A.
F:ME90
|
$3.27 Billion |
|
Fuchs Petrolub SE Preference Shares
XETRA:FPE3
|
$3.27 Billion |
|
Yes Bank Limited
NSE:YESBANK
|
$3.26 Billion |
|
Chandra Asri Petrochemical Tbk
JK:TPIA
|
$3.26 Billion |
|
Crinetics Pharmaceuticals Inc
NASDAQ:CRNX
|
$3.26 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Enova International Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,196,924,000 to 1,336,724,000, a change of 139,800,000 (11.7%).
- Net income of 308,389,000 contributed positively to equity growth.
- Share repurchases of 214,590,000 reduced equity.
- Other comprehensive income increased equity by 4,191,000.
- Other factors increased equity by 41,810,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $308.39 Million | +23.07% |
| Share Repurchases | $214.59 Million | -16.05% |
| Other Comprehensive Income | $4.19 Million | +0.31% |
| Other Changes | $41.81 Million | +3.13% |
| Total Change | $- | 11.68% |
Book Value vs Market Value Analysis
This analysis compares Enova International Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.71x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 81.80x to 2.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | $1.68 | $137.21 | x |
| 2010-12-31 | $2.42 | $137.21 | x |
| 2011-12-31 | $1.26 | $137.21 | x |
| 2012-12-31 | $2.95 | $137.21 | x |
| 2013-12-31 | $5.24 | $137.21 | x |
| 2014-12-31 | $4.67 | $137.21 | x |
| 2015-12-31 | $6.24 | $137.21 | x |
| 2016-12-31 | $7.22 | $137.21 | x |
| 2017-12-31 | $8.25 | $137.21 | x |
| 2018-12-31 | $9.89 | $137.21 | x |
| 2019-12-31 | $10.95 | $137.21 | x |
| 2020-12-31 | $28.40 | $137.21 | x |
| 2021-12-31 | $28.97 | $137.21 | x |
| 2022-12-31 | $35.43 | $137.21 | x |
| 2023-12-31 | $38.85 | $137.21 | x |
| 2024-12-31 | $42.44 | $137.21 | x |
| 2025-12-31 | $50.72 | $137.21 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Enova International Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 23.07%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.78%
- • Asset Turnover: 0.49x
- • Equity Multiplier: 4.84x
- Recent ROE (23.07%) is below the historical average (31.94%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 31.98% | 6.94% | 0.68x | 6.79x | $12.17 Million |
| 2010 | 31.08% | 6.56% | 0.90x | 5.28x | $16.83 Million |
| 2011 | 89.15% | 7.71% | 0.90x | 12.87x | $32.88 Million |
| 2012 | 60.43% | 8.91% | 1.08x | 6.29x | $49.13 Million |
| 2013 | 45.10% | 10.20% | 1.11x | 4.00x | $60.73 Million |
| 2014 | 72.52% | 13.79% | 1.07x | 4.94x | $96.27 Million |
| 2015 | 21.36% | 6.74% | 0.74x | 4.28x | $23.40 Million |
| 2016 | 14.32% | 4.64% | 0.76x | 4.05x | $10.43 Million |
| 2017 | 10.38% | 4.01% | 0.63x | 4.12x | $1.07 Million |
| 2018 | 20.16% | 7.21% | 0.73x | 3.82x | $35.32 Million |
| 2019 | 9.72% | 3.12% | 0.75x | 4.18x | $-1.05 Million |
| 2020 | 41.19% | 34.87% | 0.51x | 2.30x | $286.11 Million |
| 2021 | 23.45% | 21.22% | 0.44x | 2.53x | $146.99 Million |
| 2022 | 17.49% | 11.95% | 0.46x | 3.19x | $88.81 Million |
| 2023 | 14.12% | 8.27% | 0.46x | 3.70x | $51.10 Million |
| 2024 | 17.50% | 7.88% | 0.50x | 4.40x | $89.76 Million |
| 2025 | 23.07% | 9.78% | 0.49x | 4.84x | $174.72 Million |
Industry Comparison
This section compares Enova International Inc's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $42,167,772,618
- Average return on equity (ROE) among peers: 3.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Enova International Inc (ENVA) | $1.34 Billion | 31.98% | 3.84x | $3.27 Billion |
| Accord Financial Corp (ACCFF) | $103.96 Million | 11.43% | 4.00x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $306.73 Billion | 3.47% | 2.77x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $3.07 Billion | 1.70% | 2.63x | $13.28 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $47.20 Million | 1.69% | 11.77x | $1.51 Billion |
| Aiful Corp (AIFLF) | $97.47 Billion | -37.44% | 4.75x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $40.53 Million | 17.61% | 0.35x | $2.83 Million |
| Ally Financial Inc (ALLY) | $13.49 Billion | 6.88% | 11.39x | $10.34 Billion |
| Alpha Investment Inc (ALPC) | $-38.66K | 0.00% | 0.00x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $202.32 Million | 9.14% | 10.90x | $14.83 Million |