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Company research / ENVA

Enova International, Inc. (ENVA)

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CIK 0001529864 · NYSE · Personal Credit Institutions

  • Sector Finance & Real Estate
  • Incorporated DE
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, Enova International, Inc. reported revenue of $3.15B. Revenue grew 18.6% from the prior annual period. Over the twelve months to 2026-09-30, revenue was $3.65B.

Key ratios (year ended 2025-12-31)

58.1%
Gross margin
23.5%
Operating margin
9.8%
Net margin
23.1%
Return on year-end equity
18.6%
Revenue growth (YoY)

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Latest selected filing: Form 10-Q (quarterly report) · 2026-10-22

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-09-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-09-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$3.65B$3.15B$2.66B$2.12B$1.74B$1.21B$1.08B$1.17B$972.62M$728.90M$745.57M
Cost of Revenuen/an/an/an/an/an/an/a$602.89M$503.40M$353.49M$327.97M
Gross Profit$2.21B$1.83B$1.53B$1.23B$1.12B$1.02B$684.19M$571.86M$469.22M$375.42M$417.60M
Operating Income$878.11M$739.43M$584.76M$422.13M$383.99M$413.06M$357.80M$248.21M$175.55M$116.19M$121.48M
Depreciation & Amortization$37.01M$41.83M$40.21M$38.16M$36.87M$35.38M$19.73M$15.05M$14.20M$13.28M$15.56M
EBITDA$915.12M$781.26M$624.97M$460.29M$420.86M$448.44M$377.53M$263.26M$189.75M$129.47M$137.04M
Net Income$382.44M$308.39M$209.45M$175.12M$207.42M$256.30M$377.84M$36.61M$70.10M$29.24M$34.60M
EPS (Diluted)n/a$11.52$7.43$5.49$6.19$6.79$11.70$1.06$1.99$0.86$1.03
Total Assets$7.70B$6.47B$5.27B$4.59B$3.78B$2.76B$2.11B$1.57B$1.33B$1.16B$977.88M
Total Liabilities$6.13B$5.13B$4.07B$3.35B$2.59B$1.67B$1.19B$1.20B$986.58M$877.77M$736.18M
Long-Term Debt$5.38B$4.50B$3.56B$2.94B$2.26B$1.38B$946.46M$991.18M$857.93M$788.54M$649.91M
Shareholders' Equity$1.57B$1.34B$1.20B$1.24B$1.19B$1.09B$917.35M$376.61M$347.77M$281.69M$241.70M
Cash & Equivalents$105.96M$71.71M$73.91M$54.36M$100.17M$165.48M$297.27M$35.90M$28.11M$49.77M$39.93M
Operating Cash Flow$2.05B$1.82B$1.54B$1.17B$894.00M$471.87M$740.87M$848.64M$684.84M$447.17M$393.37M
Capital Expenditures$46.69M$47.14M$43.42M$45.24M$43.63M$29.67M$29.49M$20.06M$14.66M$15.23M$14.40M
Free Cash Flow$2.01B$1.77B$1.50B$1.12B$850.37M$442.19M$711.38M$828.58M$670.18M$431.95M$378.98M
Share Repurchases$140.98M$214.59M$289.29M$153.19M$143.07M$116.66M$56.41M$33.78M$17.31M$5.08M$437.0K
Shares Outstanding24.71M24.72M25.81M29.09M31.22M34.14M35.76M32.97M33.58M33.50M33.29M
Weighted Average Diluted Sharesn/a26.77M28.20M31.92M33.48M37.74M32.30M34.40M35.18M34.13M33.46M
EPS (Basic)n/a$12.25$7.78$5.71$6.42$7.05$11.85$1.09$2.06$0.87$1.04

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