Enova International, Inc. Financial Ratios — ENVA Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	61.11	85.14	58.54	68.34	24.6	15.86	11.69	23.32	10.33	61.83	26.22	17.15	12.5	13.15	16.65
Return on Assets (%)	7.75	10.26	11.96	15.38	5.5	3.81	2.74	5.62	2.52	20.52	10.53	6.34	4.19	4.25	5.26
Return on Capital (%)	11.99	10.28	11.72	21.78	11.01	9.07	9.82	12.73	7.2	27.74	14.28	9.63	4.34	4.19	5.11
Return on Invested Capital (%)	9.18	8.93	11.36	20.15	7	4.55	4.33	8.82	11.34	14.89	11.52	6.8	4.56	4.92	5.74
Gross Margin (%)	54.39	53.18	56.25	62.31	58.67	47.21	41.35	40.08	42.24	55.13	78.46	57.7	48.88	46.62	47.31
EBITDA Margin (%)	14.6	16.11	18.29	24.11	13.77	9.58	7.61	11.35	15.97	26.84	30.79	17.57	12.54	12.59	14.23
Operating Margin (%)	12.26	14.1	16.05	21.8	10.96	7.49	5.79	9.89	14.69	25.02	27.86	15.44	10.74	11.07	12.91
Incremental Operating Margin (%)	20.85	19	28.38	120.69	66.8	-16.81	82.14	22.16	37.81	-108.19	52.69	-12.96	-10.68	12.4	22.76
Pretax Margin (%)	12.15	14.05	15.89	21.79	10.81	7.7	2.7	7.08	14.48	40.18	27.91	15.7	10.73	10.2	12.72
Profit Margin (%)	7.71	8.91	10.2	13.79	6.74	4.64	4.01	7.21	3.12	34.87	21.22	11.95	8.27	7.88	9.78
Net Income to Common Margin (%)	7.71	8.91	10.2	13.79	6.74	4.64	4.01	7.21	3.12	34.87	21.22	11.95	8.27	7.88	9.78
Effective Tax Rate (%)	36.57	36.59	35.84	36.73	37.62	39.76	10.46	7.7	24.73	13.13	23.75	23.9	22.94	22.74	23.1
Dvd Payout Ratio (%)	- -	- -	- -	109.59	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	61.11	85.14	58.54	-6.56	24.6	15.86	11.69	23.32	10.33	61.83	26.22	17.15	12.5	13.15	16.65

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	411	856	426	496	545	653	792	860	1,028	1,014	1,425	2,292	2,971	3,829	4,530
ST Debt	- -	428	2	2	3	3	3	2	2	30	- -	- -	- -	233	90
LT Debt	411	428	424	494	542	650	789	858	1,027	985	1,425	2,292	2,971	3,596	4,440
Total Debt/EBITDA	5.86	8.04	3.05	2.54	6.06	9.14	14.27	7.79	5.48	3.49	3.83	7.52	11.19	11.45	10.1
Net Debt/EBITDA	5.31	7.69	2.71	2.15	5.59	8.58	13.03	7.54	5.1	2.23	3.28	7.08	10.88	11.13	9.87
Total Debt/EBIT	6.98	9.18	3.47	2.81	7.62	11.69	18.76	8.94	5.96	3.74	4.24	8.55	13.07	13.01	11.14
Net Debt/EBIT	6.33	8.78	3.08	2.38	7.03	10.97	17.14	8.65	5.54	2.39	3.62	8.05	12.71	12.65	10.88
EBITDA to Interest Expense	4.03	5.07	7.07	5.08	1.7	1.09	0.75	1.39	2.48	3.35	4.86	2.63	- -	- -	- -
EBITDA-CapEx/Interest Expense	3.16	4.22	6.32	4.73	1.09	0.87	0.54	1.21	2.22	3.01	4.47	2.26	- -	- -	- -
EBIT to Interest Expense	3.38	4.44	6.21	4.59	1.35	0.85	0.57	1.21	2.28	3.13	4.4	2.31	- -	- -	- -
Interest Expense	17	21	20	38	53	66	74	79	76	87	77	116	- -	- -	- -
Common Equity/Total Assets	7.79	15.78	24.55	20.63	23.9	24.08	22.83	25.21	23.67	40.3	40.04	34.73	32.46	32.24	31.01
Long-Term Debt/Equity (%)	988.94	439.24	245.1	320.93	263.1	268.89	279.94	246.7	272.67	107.17	130.4	193.25	239.55	300.41	332.19
Long-Term Debt/Capital (%)	90.8	44.92	71.15	75.72	72.67	73.16	74.66	71.7	73.29	52.79	56.31	63.58	66.62	65.06	67.93
Long-Term Debt/Total Assets (%)	76.87	69.82	61.28	65.01	64.47	66.46	68.01	64.3	65.23	46.71	51.62	60.63	64.79	68.28	68.65
Total Debt/Equity (%)	988.94	878.48	246.28	321.95	264.56	270.13	281	247.32	273.07	110.4	130.4	193.25	239.55	319.9	338.92
Total Debt/Capital (%)	90.8	89.85	71.49	75.96	73.07	73.5	74.94	71.88	73.4	54.38	56.31	63.58	66.62	69.28	69.31
Total Debt/Total Assets (%)	76.87	139.63	61.57	65.21	64.83	66.77	68.27	64.46	65.32	48.12	51.62	60.63	64.79	72.71	70.04
Net Debt to Equity	897.08	839.93	218.84	273.18	244.14	253.61	256.62	239.23	254.05	70.65	111.52	181.98	232.99	311.04	331.16
Net Debt/Capital (%)	89.95	89.43	69.02	72.84	71.46	72.25	73.2	71.21	70.09	41.4	51.53	61.58	65.6	68.27	68.47
EBITDA	70	106	140	195	90	71	55	110	188	291	372	305	266	335	449
EBITDA-CapEx	55	89	125	182	58	57	40	96	168	261	342	261	266	335	449
Operating Income (Loss)	59	93	123	177	72	56	42	96	173	271	337	268	227	294	407

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	0.08	0.96	1.17	0.58	0.56	0.89	0.31	0.29	1.9	1.06	0.51	0.21	0.3	0.18
Current Ratio	- -	0.65	7.87	6.88	7.06	9	10.77	11.26	9.89	10.55	14.7	16.67	15.79	19.26	15.16
Quick Ratio	- -	0.56	7.07	6.48	6.96	8.63	10.39	9.7	9.52	10.09	14.31	16.28	14.55	18.26	14.31
CFO/Avg Current Liab	- -	1.58	1.67	7.56	4.17	5.46	6	8.23	8.03	5.32	3.02	5.04	5.08	6.02	5.63
Common Equity/Total Assets	7.79	15.78	24.55	20.63	23.9	24.08	22.83	25.21	23.67	40.3	40.04	34.73	32.46	32.24	31.01
Long-Term Debt/Equity (%)	988.94	439.24	245.1	320.93	263.1	268.89	279.94	246.7	272.67	107.17	130.4	193.25	239.55	300.41	332.19
Long-Term Debt/Capital (%)	90.8	44.92	71.15	75.72	72.67	73.16	74.66	71.7	73.29	52.79	56.31	63.58	66.62	65.06	67.93
Long-Term Debt/Total Assets (%)	76.87	69.82	61.28	65.01	64.47	66.46	68.01	64.3	65.23	46.71	51.62	60.63	64.79	68.28	68.65
Total Debt/Equity (%)	988.94	878.48	246.28	321.95	264.56	270.13	281	247.32	273.07	110.4	130.4	193.25	239.55	319.9	338.92
Total Debt/Capital (%)	90.8	89.85	71.49	75.96	73.07	73.5	74.94	71.88	73.4	54.38	56.31	63.58	66.62	69.28	69.31
Total Debt/Total Assets (%)	76.87	139.63	61.57	65.21	64.83	66.77	68.27	64.46	65.32	48.12	51.62	60.63	64.79	72.71	70.04
CFO/Total Liabilities	51.92	72.85	84.43	70.92	44.74	53.43	50.94	69.42	70.85	62.3	28.28	34.45	34.88	37.81	35.45
CFO/CapEx	16.98	21.01	29.47	32.36	8.81	27.33	29.37	46.73	42.3	25.12	15.9	20.49	- -	- -	- -
Altman's Z-Score	2.63	2.53	4.17	4.82	3.2	3.1	2.76	3.09	3.14	3.13	3.16	2.64	2.54	2.69	2.73

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	5.79	2.88	2.58	1.72	1.5	1.15	1.31	1.27	0.94	0.75	1.77	- -	- -	- -
Days Sales Outstanding	- -	63.06	126.83	141.31	212.04	243.85	317.04	278.61	286.28	388.03	484.41	206.53	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	22.64	20.48	19.32	13.82	10.54	15.41	16.76	22.46	27.06	19.24	8.14	21.61	29.21	27.74	24.08
Accounts Payable Turnover Days	16.12	17.82	18.89	26.41	34.63	23.69	21.77	16.25	13.49	18.97	44.82	16.89	12.49	13.16	15.16
Cash Conversion Cycle	-16.12	45.24	107.94	114.91	177.42	220.16	295.27	262.36	272.79	369.05	439.59	189.64	-12.49	-13.16	-15.16
Inventory to Cash Days	- -	63.06	126.83	141.31	212.04	243.85	317.04	278.61	286.28	388.03	484.41	206.53	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	735	218	417	510	662	811	790	1,489	1,239	1,698	2,581	3,957
- Cash & Cash Equivalents	38	38	47	75	42	40	69	28	36	297	165	100	54	74	72
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -
+ Total Debt	411	856	426	496	545	653	792	860	1,028	1,014	1,425	2,292	2,971	3,829	4,530
Enterprise Value	373	818	379	1,155	721	1,030	1,232	1,493	1,804	1,509	2,749	3,431	4,615	6,336	8,415
Total Capital	452	952	596	653	746	888	1,056	1,197	1,401	1,865	2,531	3,605	4,459	5,527	6,537
Total Debt/Capital (%)	90.8	89.85	71.49	75.96	73.07	73.5	74.94	71.88	73.4	54.38	56.31	63.58	66.62	69.28	69.31
Total Debt / EV	1.1	1.05	1.13	0.43	0.76	0.63	0.64	0.58	0.57	0.67	0.52	0.67	0.64	0.6	0.54
EV/Sales	0.78	1.24	0.49	1.43	1.1	1.38	1.69	1.54	1.54	1.39	2.28	1.98	2.18	2.38	2.67
EV/EBITDA	5.31	7.69	2.71	5.92	8.02	14.41	22.22	13.53	9.61	5.19	7.39	11.25	17.38	18.94	18.76
EV/EBIT	6.33	8.78	3.08	6.54	10.08	18.43	29.21	15.53	10.45	5.57	8.17	12.8	20.3	21.53	20.69
EV/Cash Flow to Firm	1.4	2.1	0.84	2.54	2.28	2.38	2.4	1.97	1.99	1.85	5.18	3.49	3.95	4.12	4.63
EV/Free Cash Flow to Firm	1.32	2.01	0.81	2.47	2.07	2.3	2.33	1.93	1.95	1.78	4.91	3.34	3.95	4.12	4.63
Diluted Market Cap	- -	- -	- -	735	218	420	519	685	828	800	1,546	1,285	1,767	2,704	4,209
Diluted Enterprise Value	373	818	379	1,155	721	1,033	1,242	1,517	1,820	1,519	2,806	3,477	4,684	6,459	8,668
EV per Share	11.29	24.79	11.48	35.01	21.84	31.02	36.76	43.94	53.5	47.3	75.62	106.26	150.44	235.37	334.35
TTM Sales	480	661	765	810	653	746	729	973	1,175	1,084	1,208	1,736	2,118	2,658	3,152
TTM EBITDA	70	106	140	195	90	71	55	110	188	291	372	305	266	335	449
TTM Operating Income	59	93	123	177	72	56	42	96	173	271	337	268	227	294	407
TTM Cash Flow to Firm	267	389	451	454	317	433	513	758	906	816	530	982	1,167	1,539	1,819
TTM Free Cash Flow to Firm	282	407	466	468	349	447	529	773	926	846	560	1,026	1,167	1,539	1,819

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	1.66	0.69	1.03	1.12	0.98	0.95	1.04	3.08	1.37	1.51	1.76	2.31
EV/EBIT	6.33	8.78	3.08	6.54	10.08	18.43	29.21	15.53	10.45	5.57	8.17	12.8	20.3	21.53	20.69
Enterprise Value	373	818	379	1,155	721	1,030	1,232	1,493	1,804	1,509	2,749	3,431	4,615	6,336	8,415
Low Price	- -	- -	- -	21.43	5.99	4.64	11.15	15.3	19.19	7.84	22.01	25.8	35.3	53.17	79.41
EV/Sales	0.78	1.24	0.49	1.43	1.1	1.38	1.69	1.54	1.54	1.39	2.28	1.98	2.18	2.38	2.67
EV/EBITDA	5.31	7.69	2.71	5.92	8.02	14.41	22.22	13.53	9.61	5.19	7.39	11.25	17.38	18.94	18.76
Price/Earnings	- -	- -	- -	6.58	4.96	12.04	17.43	9.44	22.16	2.09	5.81	5.97	9.7	12.32	12.83
Price/Earnings Average	- -	- -	- -	6.71	12.12	7.87	16.21	13.05	21.55	1.48	4.82	5.57	8.36	9.42	9.06
Price/Earnings High	- -	- -	- -	9.49	18.49	13.33	19.26	18.91	29.42	2.48	6.16	7.45	10.27	13.9	13.77
Price/Earnings Low	- -	- -	- -	6.33	4.49	4.45	12.78	7.42	17.67	0.66	3.12	4.02	6.18	6.83	6.48
Price/Book Value	- -	- -	- -	4.68	1.09	1.77	1.93	1.97	2.18	0.93	1.35	0.94	1.14	1.52	1.97
Price/Book Value Average	- -	- -	- -	4.78	2.65	1.16	1.79	2.72	2.12	0.66	1.12	0.88	0.98	1.16	1.39
Price/Book Value High	- -	- -	- -	6.75	4.05	1.96	2.13	3.94	2.89	1.1	1.43	1.18	1.21	1.71	2.12
Price/Book Value Low	- -	- -	- -	4.51	0.98	0.65	1.41	1.55	1.74	0.29	0.72	0.63	0.73	0.84	1
Price/Tangible Book Value	- -	- -	- -	-7.21	-3.23	-13.56	49.25	8.54	7.55	1.26	1.91	1.41	1.8	2.85	3.75
Price/Tangible Book Value Average	- -	- -	- -	-7.36	-7.89	-8.87	45.8	11.8	7.35	0.9	1.59	1.31	1.55	2.18	2.65
Price/Tangible Book Value High	- -	- -	- -	-10.39	-12.04	-15.02	54.43	17.11	10.03	1.5	2.03	1.76	1.91	3.21	4.03
Price/Tangible Book Value Low	- -	- -	- -	-6.94	-2.93	-5.01	36.12	6.71	6.02	0.4	1.03	0.95	1.15	1.58	1.9
Price/Sales	- -	- -	- -	0.91	0.33	0.56	0.7	0.68	0.69	0.73	1.23	0.71	0.8	0.97	1.26
Price/Sales Average	- -	- -	- -	0.93	0.82	0.37	0.65	0.94	0.67	0.52	1.02	0.67	0.69	0.74	0.89
Price/Sales High	- -	- -	- -	1.31	1.25	0.62	0.77	1.36	0.92	0.86	1.31	0.89	0.85	1.1	1.35
Price/Sales Low	- -	- -	- -	0.87	0.3	0.21	0.51	0.53	0.55	0.23	0.66	0.48	0.51	0.54	0.63
Price/Cash Flow	- -	- -	- -	1.71	0.77	1.06	1.14	0.97	0.96	1.07	3.16	1.39	1.46	1.68	2.17
Price/Cash Flow Average	- -	- -	- -	1.74	1.88	0.69	1.06	1.34	0.93	0.76	2.62	1.29	1.25	1.28	1.54
Price/Cash Flow High	- -	- -	- -	2.46	2.87	1.17	1.26	1.94	1.27	1.26	3.35	1.73	1.54	1.89	2.33
Price/Cash Flow Low	- -	- -	- -	1.64	0.7	0.39	0.84	0.76	0.76	0.34	1.7	0.93	0.93	0.93	1.1
Price/Free Cash Flow Average	- -	- -	- -	1.69	1.69	0.67	1.04	1.35	0.93	0.74	2.56	1.28	1.31	1.34	1.63
Price/Free Cash Flow High	- -	- -	- -	2.39	2.57	1.14	1.24	1.96	1.27	1.23	3.27	1.71	1.6	1.98	2.48
Price/Free Cash Flow Low	- -	- -	- -	1.6	0.63	0.38	0.82	0.77	0.76	0.33	1.66	0.92	0.97	0.97	1.17
EV/Sales Average	0.78	1.24	0.49	1.45	1.59	1.19	1.64	1.8	1.52	1.18	2.07	1.93	2.07	2.16	2.3
EV/Sales High	0.78	1.24	0.49	1.83	2.02	1.44	1.76	2.22	1.76	1.53	2.35	2.15	2.23	2.51	2.76
EV/Sales Low	0.78	1.24	0.49	1.39	1.07	1.03	1.5	1.39	1.4	0.89	1.71	1.74	1.89	1.95	2.05
EV/EBITDA Average	5.31	7.69	2.71	5.99	11.52	12.39	21.58	15.83	9.49	4.4	6.71	10.98	16.5	17.12	16.17
EV/EBITDA High	5.31	7.69	2.71	7.58	14.64	15.04	23.19	19.55	11.03	5.69	7.64	12.26	17.76	19.93	19.4
EV/EBITDA Low	5.31	7.69	2.71	5.78	7.79	10.74	19.77	12.25	8.74	3.33	5.54	9.92	15.06	15.5	14.4
EV/EBIT Average	6.33	8.78	3.08	6.63	14.49	15.85	28.37	18.16	10.32	4.72	7.41	12.49	19.27	19.46	17.83
EV/EBIT High	6.33	8.78	3.08	8.38	18.41	19.23	30.49	22.43	11.99	6.1	8.44	13.94	20.74	22.65	21.4
EV/EBIT Low	6.33	8.78	3.08	6.39	9.8	13.73	26	14.06	9.5	3.57	6.12	11.28	17.59	17.62	15.88
Last Price	- -	- -	- -	22.26	6.61	12.55	15.2	19.46	24.06	24.77	40.96	38.37	55.36	95.88	157.2
High Price	- -	- -	- -	32.1	24.65	13.9	16.8	39	31.95	29.33	43.46	47.88	58.64	108.15	168.68
Enterprise Value Average	373	818	379	1,171	1,036	885	1,197	1,747	1,782	1,279	2,495	3,348	4,380	5,729	7,251
Enterprise Value High	373	818	379	1,480	1,316	1,074	1,286	2,158	2,070	1,654	2,840	3,738	4,715	6,666	8,704
Enterprise Value Low	373	818	379	1,128	701	767	1,097	1,352	1,639	969	2,060	3,025	3,999	5,186	6,457

Shares Outstanding	33	33	33	33	33	33	34	34	33	36	34	31	29	26	25
Diluted Weighted Avg Shares	33	33	33	33	33	33	34	35	34	32	38	33	32	28	27
Basic Weighted Avg Shares	33	33	33	33	33	33	34	34	34	32	36	32	31	27	25
Revenue per Share	14.56	20.03	23.19	24.54	19.77	22.46	21.74	28.61	34.84	33.98	33.23	53.77	69.04	98.73	125.22
EBITDA per Share	2.13	3.23	4.24	5.92	2.72	2.15	1.65	3.25	5.57	9.12	10.23	9.44	8.66	12.43	17.82
Operating Income per Share	1.78	2.82	3.72	5.35	2.17	1.68	1.26	2.83	5.12	8.5	9.26	8.3	7.41	10.93	16.16
Basic EPS, GAAP	1.12	1.78	2.36	3.38	1.33	1.04	0.87	2.06	1.09	11.85	7.05	6.42	5.71	7.78	12.25
Basic EPS from Cont Ops	1.12	1.78	2.36	3.38	1.33	1.04	0.53	1.87	3.8	11.86	7.07	6.42	5.71	7.78	12.25
Diluted EPS, GAAP	1.12	1.78	2.36	3.38	1.33	1.03	0.86	1.99	1.06	11.7	6.79	6.19	5.49	7.43	11.52
Diluted EPS from Cont Ops	1.12	1.78	2.36	3.38	1.33	1.03	0.52	1.81	3.72	11.71	6.81	6.19	5.49	7.43	11.52
Dividend per Share	- -	- -	- -	3.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	7.76	11.38	13.28	13.03	8.6	11.85	13.34	20.15	25.17	23.23	12.98	27.69	38.04	57.15	72.28
Free Cash Flow per Basic Share	7.3	10.84	12.83	12.63	7.63	11.42	12.89	19.72	24.58	22.3	12.16	26.34	38.04	57.15	72.28
Cash & Equivalents per Share	1.16	1.14	1.44	2.28	1.27	1.2	2.05	0.83	1.06	9.32	4.55	3.1	1.77	2.75	2.85
Book Value per Share	1.26	2.93	5.15	4.75	6.09	7.09	7.9	9.9	11.05	26.63	30.42	40.67	48.52	63.07	79.71
Tangible Book Value per Share	-6.5	-4.81	-2.51	-3.09	-2.05	-0.93	0.31	2.28	3.19	19.59	21.41	27.24	30.71	33.68	41.87

Enova International, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)