NYSE : ENVA
Enova International, Inc. — Financial statements
Financials · Credit Services · United States
Last price 181.04 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 4.43B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 3.65B | 3.15B | 2.66B | 2.12B | 1.74B | 1.21B |
| Total Interest Expense | 384.39M | 339.31M | 290.44M | 194.78M | 115.89M | 76.51M |
| Net Interest Income | 3.27B | 2.81B | 2.37B | 1.92B | 1.62B | 1.13B |
| Other Revenue | -1.44B | -1.32B | -1.13B | -887.72M | -618.52M | -183.67M |
| Revenue Before Loan Losses | 1.83B | 1.49B | 1.24B | 1.04B | 1.00B | 947.75M |
| Revenue | 1.83B | 1.49B | 1.24B | 1.04B | 1.00B | 947.75M |
| Cost of Services Provided | 1.29B | 1.04B | 904.48M | 769.63M | 696.71M | 575.82M |
| Total Operating Expenses | 1.32B | 1.08B | 944.69M | 807.79M | 733.57M | 611.20M |
| Operating Income | 505.81M | 406.69M | 294.32M | 227.36M | 268.11M | 336.55M |
| Earnings From Equity Investments | 1.87M | 1.56M | -16.46M | 116.00K | 6.43M | 2.95M |
| Currency Exchange Gain (Loss) | -362.00K | 367.00K | -1.06M | 57.00K | -645.00K | -382.00K |
| EBT Excluding Unusual Items | 507.32M | 408.62M | 276.79M | 227.53M | 272.57M | 338.38M |
| Other Unusual Items | -632.00K | -1.02M | -5.69M | -282.00K | -378.00K | |
| Pretax Income | 494.60M | 401.03M | 271.10M | 227.25M | 272.57M | 337.15M |
| Income Tax Expense | 112.16M | 92.64M | 61.65M | 52.13M | 65.15M | 80.09M |
| Earnings From Continuing Ops. | 382.44M | 308.39M | 209.45M | 175.12M | 207.42M | 257.07M |
| Net Income to Company | 382.44M | 308.39M | 209.45M | 175.12M | 207.42M | 257.07M |
| Minority Interest in Earnings | -773.00K | |||||
| Net Income | 382.44M | 308.39M | 209.45M | 175.12M | 207.42M | 256.30M |
| Net Income to Common | 382.44M | 308.39M | 209.45M | 175.12M | 207.42M | 256.30M |
| Shares Outstanding (Basic) | 24.85M | 25.17M | 26.92M | 30.67M | 32.29M | 36.35M |
| Shares Outstanding (Diluted) | 26.42M | 26.77M | 28.20M | 31.92M | 33.48M | 37.74M |
| EPS (Basic) | 15.39 | 12.25 | 7.78 | 5.71 | 6.42 | 7.05 |
| EPS (Diluted) | 14.48 | 11.52 | 7.43 | 5.49 | 6.19 | 6.79 |
| Free Cash Flow | 2.01B | 1.77B | 1.50B | 1.12B | 850.37M | 442.19M |
| Free Cash Flow Per Share | 75.94 | 66.18 | 53.02 | 35.14 | 25.40 | 11.72 |
| Operating Margin | 27.66% | 27.28% | 23.75% | 21.96% | 26.77% | 35.51% |
| Profit Margin | 20.91% | 20.68% | 16.91% | 16.92% | 20.71% | 27.04% |
| Free Cash Flow Margin | 109.70% | 118.85% | 120.67% | 108.36% | 84.89% | 46.66% |
| Effective Tax Rate | 22.68% | 23.10% | 22.74% | 22.94% | 23.90% | 23.75% |
| Revenue as Reported | 2.21B | 1.83B | 1.53B | 1.23B | 1.12B | 1.02B |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 105.96M | 71.71M | 73.91M | 54.36M | 100.17M | 165.48M |
| Long-Term Investments | 8.22M | 8.42M | 7.02M | 23.02M | 26.32M | 28.02M |
| Trading Asset Securities | 11.44M | 13.72M | 3.64M | 7.17M | 17.41M | 16.06M |
| Loans & Lease Receivables | 6.60B | 5.47B | 4.39B | 3.63B | 3.02B | 1.96B |
| Other Receivables | 108.61M | 107.28M | 93.73M | 108.07M | 104.12M | 97.82M |
| Property, Plant & Equipment | 157.07M | 24.96M | 30.91M | 33.27M | 41.03M | 37.49M |
| Goodwill | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M |
| Other Intangible Assets | 1.89M | 127.82M | 118.20M | 108.69M | 98.93M | 99.46M |
| Restricted Cash | 390.44M | 336.15M | 248.76M | 323.08M | 78.23M | 60.41M |
| Other Long-Term Assets | 36.65M | 27.55M | 24.25M | 19.44M | 16.87M | 12.79M |
| Total Assets | 7.70B | 6.47B | 5.27B | 4.59B | 3.78B | 2.76B |
| Accounts Payable | 198.86M | 78.96M | 58.95M | 43.33M | 30.78M | 37.18M |
| Accrued Expenses | 84.19M | 78.26M | 64.42M | 57.58M | 57.34M | |
| Current Portion of Leases | 4.55M | |||||
| Long-Term Debt | 5.15B | 4.50B | 3.56B | 2.94B | 2.26B | 1.38B |
| Long-Term Leases | 32.49M | 27.49M | 32.16M | 27.04M | 33.59M | 40.99M |
| Other Current Liabilities | 150.31M | 142.69M | 112.76M | 153.41M | 109.96M | 61.58M |
| Long-Term Deferred Tax Liabilities | 368.36M | 295.44M | 223.59M | 113.35M | 104.17M | 86.94M |
| Total Liabilities | 6.13B | 5.13B | 4.07B | 3.35B | 2.59B | 1.67B |
| Additional Paid-In Capital | 401.47M | 370.08M | 328.27M | 284.26M | 251.88M | 225.69M |
| Retained Earnings | 2.31B | 2.01B | 1.70B | 1.49B | 1.31B | 1.11B |
| Comprehensive Income & Other | -6.81M | -9.50M | -13.69M | -6.26M | -5.99M | -8.54M |
| Total Common Equity | 1.57B | 1.34B | 1.20B | 1.24B | 1.19B | 1.09B |
| Shareholders' Equity | 1.57B | 1.34B | 1.20B | 1.24B | 1.19B | 1.09B |
| Total Liabilities & Equity | 7.70B | 6.47B | 5.27B | 4.59B | 3.78B | 2.76B |
| Total Debt | 5.41B | 4.53B | 3.60B | 2.97B | 2.29B | 1.43B |
| Net Cash (Debt) | -5.29B | -4.44B | -3.52B | -2.91B | -2.17B | -1.24B |
| Net Cash Per Share | -200.29 | -166.01 | -124.75 | -91.14 | -64.95 | -32.96 |
| Filing Date Shares Outstanding | 24.46M | 25.01M | 25.79M | 28.18M | 31.55M | 33.46M |
| Total Common Shares Outstanding | 24.71M | 24.72M | 25.81M | 29.09M | 31.22M | 34.14M |
| Working Capital | 6.64B | 5.69B | 4.56B | 3.86B | 3.12B | 2.15B |
| Book Value Per Share | 63.47 | 54.08 | 46.38 | 42.63 | 37.99 | 32.01 |
| Tangible Book Value | 1.29B | 929.63M | 799.45M | 852.22M | 807.94M | 714.32M |
| Tangible Book Value Per Share | 52.09 | 37.61 | 30.98 | 29.30 | 25.88 | 20.92 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 382.44M | 308.39M | 209.45M | 175.12M | 207.42M | 256.30M |
| Depreciation & Amortization | 37.01M | 41.83M | 40.21M | 38.16M | 36.87M | 35.38M |
| Other Amortization | 17.56M | 16.59M | 15.79M | 10.12M | 5.70M | 6.22M |
| Loss (Gain) From Sale of Investments | 16.55M | |||||
| Asset Writedown & Restructuring Costs | 1.31B | 1.31B | 1.12B | 879.35M | 612.15M | 180.16M |
| Stock-Based Compensation | 35.40M | 33.10M | 31.82M | 26.74M | 21.95M | 21.18M |
| Change in Accounts Payable | 65.09M | 34.96M | 35.05M | 18.14M | -2.84M | 17.84M |
| Change in Income Taxes | 51.12M | 20.54M | -49.33M | 47.16M | 50.91M | -48.63M |
| Change in Other Net Operating Assets | -18.69M | -24.17M | 12.75M | 8.88M | -24.34M | -7.22M |
| Other Operating Activities | 83.46M | 73.11M | 119.58M | 7.37M | 14.11M | 30.60M |
| Operating Cash Flow | 2.05B | 1.82B | 1.54B | 1.17B | 894.00M | 471.87M |
| Capital Expenditures | -46.69M | -47.14M | -43.42M | -45.24M | -43.63M | -29.67M |
| Cash Acquisitions | -29.15M | |||||
| Divestitures | 8.71M | 1.93M | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -2.98B | -2.40B | -1.87B | -1.45B | -1.63B | -923.49M |
| Other Investing Activities | 25.00K | |||||
| Investing Cash Flow | -3.03B | -2.45B | -1.91B | -1.49B | -1.67B | -980.37M |
| Long-Term Debt Issued | 3.45B | 2.97B | 1.83B | 966.66M | 849.27M | |
| Long-Term Debt Repaid | -2.52B | -2.35B | -1.14B | -95.49M | -376.69M | |
| Net Debt Issued (Repaid) | 1.27B | 933.56M | 624.04M | 696.51M | 871.17M | 472.58M |
| Issuance of Common Stock | 7.02M | 8.71M | 12.20M | 5.64M | 4.24M | 15.46M |
| Repurchase of Common Stock | -140.98M | -214.59M | -289.29M | -153.19M | -143.07M | -116.66M |
| Other Financing Activities | -24.53M | -15.86M | -28.07M | -22.42M | -7.47M | -6.23M |
| Financing Cash Flow | 1.11B | 711.82M | 318.88M | 526.54M | 724.87M | 365.15M |
| Foreign Exchange Rate Adjustments | -539.00K | 39.00K | -1.03M | 287.00K | -77.00K | 34.00K |
| Net Cash Flow | 139.44M | 85.19M | -54.77M | 199.04M | -47.48M | -143.32M |
| Free Cash Flow | 2.01B | 1.77B | 1.50B | 1.12B | 850.37M | 442.19M |
| Free Cash Flow Margin | 109.70% | 118.85% | 120.67% | 108.36% | 84.89% | 46.66% |
| Free Cash Flow Per Share | 75.94 | 66.18 | 53.02 | 35.14 | 25.40 | 11.72 |
| Cash Interest Paid | 321.08M | 321.08M | 274.12M | 182.41M | 108.01M | 71.10M |
| Cash Income Tax Paid | 1.44M | 1.44M | -1.52M | -3.10M | -2.35M | 89.27M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 4.28B | 3.89B | 2.51B | 1.65B | 1.21B | 1.49B |
| PE Ratio | 12.09 | 12.60 | 12.00 | 9.44 | 5.82 | 5.82 |
| PS Ratio | 2.38 | 2.61 | 2.03 | 1.60 | 1.21 | 1.57 |
| PB Ratio | 2.74 | 2.91 | 2.10 | 1.33 | 1.02 | 1.36 |
| P/FCF Ratio | 2.17 | 2.19 | 1.68 | 1.47 | 1.42 | 3.37 |
| P/OCF Ratio | 2.12 | 2.14 | 1.63 | 1.42 | 1.35 | 3.16 |
| Debt / Equity Ratio | 3.45 | 3.39 | 3.00 | 2.40 | 1.93 | 1.30 |
| Debt / FCF Ratio | 2.70 | 2.56 | 2.40 | 2.65 | 2.70 | 3.22 |
| Net Debt / Equity Ratio | 3.37 | 3.33 | 2.94 | 2.35 | 1.83 | 1.14 |
| Net Debt / FCF Ratio | 2.64 | 2.51 | 2.35 | 2.59 | 2.56 | 2.81 |
| Quick Ratio | 11.82 | 18.25 | 18.23 | 14.55 | 16.34 | 14.38 |
| Current Ratio | 12.50 | 19.33 | 19.23 | 15.78 | 16.73 | 14.76 |
| Asset Turnover | 0.27 | 0.25 | 0.25 | 0.25 | 0.31 | 0.39 |
| Return on Equity (ROE) | 26.82% | 24.34% | 17.19% | 14.44% | 18.20% | 25.55% |
| Return on Assets (ROA) | 5.60% | 5.26% | 4.25% | 4.19% | 6.34% | 10.56% |
| Return on Invested Capital (ROIC) | 5.79% | 5.87% | 5.05% | 4.56% | 6.80% | 11.52% |
| Earnings Yield | 8.27% | 7.93% | 8.34% | 10.59% | 17.18% | 17.18% |
| FCF Yield | 46.15% | 45.59% | 59.50% | 67.83% | 70.45% | 29.64% |
| Buyback Yield / Dilution | 2.42% | 5.06% | 11.65% | 4.67% | 11.27% | -16.82% |