Enova International, Inc. — Earnings Quality Grade F
ENVA · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 18.6%, CFFO 18.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 8.6% vs revenue 18.6%. Normal
SG&A/Gross Profit = 52.6%. Normal
Gross margin 47.3%, change +0.7pp. Stable
Cash Flow Quality
CFFO/NI = 5.90. Profits backed by cash
FCF $1.8B, FCF/NI = 5.75
Accruals ratio = -23.4%. Low accruals
Cash $0.1B covers only 2% of debt $4.5B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 21% of equity. Manageable
Debt/EBITDA = 10.1x (>4x). Financial stress
Other assets grew 45.5% vs revenue 18.6%
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Enova International, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25