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Enova International, Inc. (ENVA)

NYSE Financials Consumer Finance S&P SmallCap 600
$172.48
-1.80 (-1.03%)
Close of Nov 06, 2026 · end-of-day data
Source: Enova International, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 06, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$745.57M$728.90M$972.62M$1.17B$1.08B$1.21B$1.74B$2.12B$2.66B$3.15B
Cost of revenue$327.97M$353.49M$503.40M$602.89M——————
Gross profit$417.60M$375.42M$469.22M$571.86M$684.19M$1.02B$1.12B$1.23B$1.53B$1.83B
Operating income$121.48M$116.19M$175.55M$248.21M$357.80M$413.06M$383.99M$422.13M$584.76M$739.43M
Interest expense——$79.36M$75.60M$86.69M$76.51M$115.89M$194.78M$290.44M$339.31M
Pre-tax income$57.44M$19.67M$68.87M$170.07M$435.42M$337.15M$272.57M$227.25M$271.10M$401.03M
Income tax$22.83M$2.06M$5.30M$42.05M$57.19M$80.09M$65.15M$52.13M$61.65M$92.64M
Net income$34.60M$29.24M$70.10M$36.61M$377.84M$256.30M$207.42M$175.12M$209.45M$308.39M
EBITDA$137.04M$129.47M$189.75M$263.26M$377.53M$448.44M$420.86M$460.29M$624.97M$781.26M
EPS (basic)$1.04$0.87$2.06$1.09$11.85$7.05$6.42$5.71$7.78$12.25
EPS (diluted)$1.03$0.86$1.99$1.06$11.70$6.79$6.19$5.49$7.43$11.52
Diluted shares33.46M34.13M35.18M34.40M32.30M37.74M33.48M31.92M28.20M26.77M
Gross margin56.0%51.5%48.2%48.7%63.1%84.8%64.4%58.1%57.5%58.1%
Operating margin16.3%15.9%18.0%21.1%33.0%34.2%22.1%19.9%22.0%23.5%
Net margin4.6%4.0%7.2%3.1%34.9%21.2%11.9%8.3%7.9%9.8%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$39.93M$49.77M$28.11M$35.90M$297.27M$165.48M$100.17M$54.36M$73.91M$71.71M
Goodwill$267.01M$267.01M$267.01M$267.01M$267.97M$279.27M$279.27M$279.27M$279.27M$279.27M
Total assets$977.88M$1.16B$1.33B$1.57B$2.11B$2.76B$3.78B$4.59B$5.27B$6.47B
Long-term debt$649.91M$788.54M$857.93M$991.18M$946.46M$1.38B$2.26B$2.94B$3.56B$4.50B
Total debt$649.91M$788.54M$857.93M$991.18M$946.46M$1.38B$2.26B$2.94B$3.56B$4.50B
Total liabilities$736.18M$877.77M$986.58M$1.20B$1.19B$1.67B$2.59B$3.35B$4.07B$5.13B
Shareholders' equity$241.70M$281.69M$347.77M$376.61M$917.35M$1.09B$1.19B$1.24B$1.20B$1.34B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$393.37M$447.17M$684.84M$848.64M$740.87M$471.87M$894.00M$1.17B$1.54B$1.82B
Capital expenditures$14.40M$15.23M$14.66M$20.06M$29.49M$29.67M$43.63M$45.24M$43.42M$47.14M
Free cash flow$378.98M$431.95M$670.18M$828.58M$711.38M$442.19M$850.37M$1.12B$1.50B$1.77B
Investing cash flow-$464.45M-$524.57M-$720.93M-$941.40M$83.58M-$980.37M-$1.67B-$1.49B-$1.91B-$2.45B
Financing cash flow$99.88M$104.58M$22.48M$95.48M-$535.97M$365.15M$724.87M$526.54M$318.88M$711.82M
Share buybacks$437.00K$5.08M$17.31M$33.78M$56.41M$116.66M$143.07M$153.19M$289.29M$214.59M
Stock-based compensation$8.52M$11.31M$11.66M$11.97M$18.04M$21.18M$21.95M$26.74M$31.82M$33.10M
Depreciation & amortization$15.56M$13.28M$14.20M$15.05M$19.73M$35.38M$36.87M$38.16M$40.21M$41.83M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.