Enova International, Inc. (ENVA) Spending and interest coverage
- R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
- Stock-based compensation / revenue · 12 months: Value 1.00%; Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
- Interest coverage · 12 months: Value 2.25×; Formula and calculation Operating income ÷ reported interest expense..
Spending and interest coverage
Overview →Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | (m) | Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m). |
| Stock-based compensation / revenue · 12 months | 1.00% | Share-based compensation / revenue. Period ending 2026-06-30. $34.51M ÷ $3.45B × 100 ≈ 1.00% |
| Interest coverage · 12 months | 2.25× | Operating income ÷ reported interest expense. $827.67M ÷ $367.84M ≈ 2.25× |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | (m) | |
| Revenue | 3.45B USD | |
| Stock-based compensation | 34.51M USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | 827.67M USD | Operating Income (Loss) |
| Interest expense · reported / estimated | 367.84M USD | Interest Expense · Estimated expense assumptions |
Latest interest expense basis: Reported. Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | (m) | $3.45B | $34.51M | $827.67M | $367.84M | (m) | 1.00% | 2.25× | Reported |
| 2026-03-31 | (m) | $3.28B | $33.87M | $774.63M | $352.81M | (m) | 1.03% | 2.20× | Reported |
| 2025-12-31 | (m) | $3.15B | $33.10M | $739.43M | $339.31M | (m) | 1.05% | 2.18× | Reported |
| 2025-09-30 | (m) | $3.04B | $32.87M | $707.98M | $327.27M | (m) | 1.08% | 2.16× | Reported |
| 2025-06-30 | (m) | $2.93B | $32.45M | $664.92M | $317.22M | (m) | 1.11% | 2.10× | Reported |
| 2025-03-31 | (m) | $2.79B | $32.11M | $625.87M | $305.39M | (m) | 1.15% | 2.05× | Reported |
| 2024-12-31 | (m) | $2.66B | $31.82M | $584.76M | $290.44M | (m) | 1.20% | 2.01× | Reported |
| 2024-09-30 | (m) | $2.51B | $30.98M | $527.10M | $270.66M | (m) | 1.23% | 1.95× | Reported |
| 2024-06-30 | (m) | $2.37B | $29.94M | $477.12M | $242.43M | (m) | 1.26% | 1.97× | Reported |
| 2024-03-31 | (m) | $2.24B | $28.41M | $443.66M | $217.06M | (m) | 1.27% | 2.04× | Reported |
| 2023-12-31 | (m) | $2.12B | $26.74M | $422.13M | $194.78M | (m) | 1.26% | 2.17× | Reported |
| 2023-09-30 | (m) | $2.02B | $25.27M | $429.85M | $175.10M | (m) | 1.25% | 2.45× | Reported |
| 2023-06-30 | (m) | $1.93B | $23.66M | $424.63M | $157.36M | (m) | 1.23% | 2.70× | Reported |
| 2023-03-31 | (m) | $1.83B | $22.55M | $402.51M | $136.72M | (m) | 1.23% | 2.94× | Reported |
| 2022-12-31 | (m) | $1.74B | $21.95M | $383.99M | $115.89M | (m) | 1.26% | 3.31× | Reported |
| 2022-09-30 | (m) | $1.61B | $21.06M | $359.42M | $97.37M | (m) | 1.31% | 3.69× | Reported |
| 2022-06-30 | (m) | $1.48B | $20.63M | $347.13M | $84.61M | (m) | 1.40% | 4.10× | Reported |
| 2022-03-31 | (m) | $1.33B | $20.74M | $380.35M | $79.08M | (m) | 1.55% | 4.81× | Reported |
| 2021-12-31 | (m) | $1.21B | $21.18M | $413.06M | $76.51M | (m) | 1.75% | 5.40× | Reported |
| 2021-09-30 | (m) | $1.11B | $23.23M | $452.52M | $84.80M | (m) | 2.10% | 5.34× | Reported |
| 2021-06-30 | (m) | $992.56M | $21.98M | $488.32M | $85.27M | (m) | 2.21% | 5.73× | Reported |
| 2021-03-31 | (m) | $980.90M | $20.39M | $452.16M | $86.22M | (m) | 2.08% | 5.24× | Reported |
| 2020-12-31 | (m) | $1.08B | $18.04M | $357.80M | $86.69M | (m) | 1.66% | 4.13× | Reported |
| 2020-09-30 | (m) | $1.17B | $13.07M | $297.24M | (m) | (m) | 1.12% | (m) | (m) |
| 2020-06-30 | (m) | $1.27B | $12.69M | $232.73M | (m) | (m) | 1.00% | (m) | (m) |
| 2020-03-31 | (m) | $1.27B | $12.35M | $204.34M | (m) | (m) | 0.97% | (m) | (m) |
| 2019-12-31 | (m) | $1.17B | $11.97M | $248.21M | (m) | (m) | 1.02% | (m) | (m) |
| 2019-09-30 | (m) | $1.22B | $13.29M | $212.30M | (m) | (m) | 1.09% | (m) | (m) |
| 2019-06-30 | (m) | $1.19B | $12.79M | $195.66M | (m) | (m) | 1.08% | (m) | (m) |
| 2019-03-31 | (m) | $1.15B | $12.30M | $188.48M | (m) | (m) | 1.07% | (m) | (m) |
| 2018-12-31 | (m) | $1.11B | $11.66M | $183.07M | (m) | (m) | 1.05% | (m) | (m) |
| 2018-09-30 | (m) | $1.05B | $11.15M | $176.06M | (m) | (m) | 1.07% | (m) | (m) |
| 2018-06-30 | (m) | $969.17M | $11.27M | $165.94M | (m) | (m) | 1.16% | (m) | (m) |
| 2018-03-31 | (m) | $905.78M | $11.42M | $158.05M | (m) | (m) | 1.26% | (m) | (m) |
| 2017-12-31 | (m) | $843.74M | $11.31M | $134.41M | (m) | (m) | 1.34% | (m) | (m) |
| 2017-09-30 | (m) | $802.48M | $10.41M | $133.68M | (m) | (m) | 1.30% | (m) | (m) |
| 2017-06-30 | (m) | $780.55M | $9.68M | $134.10M | (m) | (m) | 1.24% | (m) | (m) |
| 2017-03-31 | (m) | $763.18M | $8.87M | $127.70M | (m) | (m) | 1.16% | (m) | (m) |
| 2016-12-31 | (m) | $745.57M | $8.52M | $121.48M | (m) | (m) | 1.14% | (m) | (m) |
| 2016-09-30 | (m) | $718.55M | $9.50M | $109.74M | (m) | (m) | 1.32% | (m) | (m) |
| 2016-06-30 | (m) | $687.83M | $9.86M | $100.59M | (m) | (m) | 1.43% | (m) | (m) |
| 2016-03-31 | (m) | $661.58M | $9.89M | $102.15M | (m) | (m) | 1.49% | (m) | (m) |
| 2015-12-31 | (m) | $652.60M | $9.63M | $124.39M | (m) | (m) | 1.48% | (m) | (m) |
| 2015-09-30 | (m) | $671.90M | $6.95M | $152.85M | (m) | (m) | 1.03% | (m) | (m) |
| 2015-06-30 | (m) | $711.85M | $4.41M | $176.89M | (m) | (m) | 0.62% | (m) | (m) |
| 2015-03-31 | (m) | $767.05M | $2.29M | $201.98M | $47.02M | (m) | 0.30% | 4.30× | Reported |
| 2014-12-31 | (m) | $809.84M | $664.00K | $215.01M | $38.47M | (m) | 0.08% | 5.59× | Reported |
| 2014-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2014-06-30 | (m) | $816.82M | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2014-03-31 | (m) | $791.48M | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2013-12-31 | (m) | $765.32M | $250.00K | $142.60M | $19.79M | (m) | 0.03% | 7.21× | Reported |
| 2013-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2012-12-31 | (m) | $660.93M | $146.00K | $114.18M | $21.00M | (m) | 0.02% | 5.44× | Reported |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.
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