Is Enova International, Inc. (ENVA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 82.7% | |
| Operating Margin | 23.6% | |
| Net Margin | 20.7% | |
| Return on Equity (ROE) | 24.3% | |
| Return on Assets (ROA) | 5.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.8B |
| Free Cash Flow | $1.8B |
| Total Debt | $4.5B |
| Debt-to-Equity | 338.9 |
| Current Ratio | 19.3 |
| Total Assets | $6.5B |
Price & Trading
| Last Close | $134.00 |
| 50-Day MA | $147.31 |
| 200-Day MA | $128.85 |
| Avg Volume | 306K |
| Beta | 1.2 |
|
52-Week Range
$79.41
| |
About Enova International, Inc. (ENVA)
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 and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
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Frequently Asked Questions
Is Enova International, Inc. (ENVA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Enova International, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Enova International, Inc.'s debt ratio?
Enova International, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Enova International, Inc.'s key financial metrics?
Enova International, Inc. has a market capitalization of $3.2B, trailing P/E ratio of 11.3, and revenue of $3.2B. The company maintains a gross margin of 82.7% and a net margin of 20.7%. Return on equity stands at 24.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.