Enova International, Inc. (ENVA) Financial Statements
Industry: Personal Credit Institutions
In fiscal 2025, Enova International reported revenue of $3.15B, up 18.6% from $2.66B the year before. Net income was $308.4M (a 9.8% net margin), or $11.52 per diluted share. Gross margin was 58.1% and operating margin was 23.5%. Operating activities generated $1.82B of cash, leaving $1.77B of free cash flow. At fiscal year end, Enova International held $6.47B in total assets against $5.13B in total liabilities, including $71.7M of cash and equivalents.
Open the full interactive Enova International financials → Quarterly statements, key ratios, valuation history and price charts.
Enova International Key Stats
| Share Price | $174.99 |
|---|---|
| Market Cap | $4.60B |
| P/E Ratio | 15.2 |
| Revenue YoY Growth | +18.6% |
| 52-Week Range | $105.98 – $265.45 |
| Shares Outstanding | 24.9 million (basic, 2026 Q2) |
Enova International Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $1.08B | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Gross Profit | $684.2M | $1.02B | $1.12B | $1.23B | $1.53B | $1.83B |
| Operating Income | $357.8M | $413.1M | $384.0M | $422.1M | $584.8M | $739.4M |
| Pre-Tax Income | $435.4M | $337.2M | $272.6M | $227.2M | $271.1M | $401.0M |
| Income Tax | $57.2M | $80.1M | $65.2M | $52.1M | $61.7M | $92.6M |
| Net Income | $377.8M | $256.3M | $207.4M | $175.1M | $209.4M | $308.4M |
| Diluted EPS | $11.70 | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 |
Enova International Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $802.7M | $839.4M | $875.1M | $928.9M |
| Net Income | $80.3M | $79.0M | $91.1M | $105.1M |
| Diluted EPS | $3.03 | $2.95 | $3.46 | $4.00 |
Enova International Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $297.3M | $165.5M | $100.2M | $54.4M | $73.9M | $71.7M |
| Total Assets | $2.11B | $2.76B | $3.78B | $4.59B | $5.27B | $6.47B |
| Total Long-Term Debt | $946.5M | $1.38B | $2.26B | $2.94B | $3.56B | $4.50B |
| Total Liabilities | $1.19B | $1.67B | $2.59B | $3.35B | $4.07B | $5.13B |
| Shareholders' Equity | $917.3M | $1.09B | $1.19B | $1.24B | $1.20B | $1.34B |
Enova International Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $740.9M | $471.9M | $894.0M | $1.17B | $1.54B | $1.82B |
| Cash From Investing | $83.6M | -$980.4M | -$1.67B | -$1.49B | -$1.91B | -$2.45B |
| Cash From Financing | -$536.0M | $365.1M | $724.9M | $526.5M | $318.9M | $711.8M |
| Free Cash Flow | $711.4M | $442.2M | $850.4M | $1.12B | $1.50B | $1.77B |
Figures from Enova International's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Enova International financials page for every line item.
Enova International Company Profile
| Ticker | ENVA |
|---|---|
| Exchange | NYSE |
| Industry | Personal Credit Institutions |
| Headquarters | Chicago, Illinois |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001529864 |
Frequently Asked Questions
What was Enova International's revenue in fiscal 2025?
Enova International (ENVA) reported revenue of $3.15B for fiscal 2025.
What is Enova International's annual revenue history?
Enova International's annual revenue by fiscal year: 2020: $1.08B; 2021: $1.21B; 2022: $1.74B; 2023: $2.12B; 2024: $2.66B; 2025: $3.15B.
What was Enova International's net income in fiscal 2025?
Enova International reported net income of $308.4M for fiscal 2025.
What was Enova International's earnings per share (EPS) in fiscal 2025?
Enova International's diluted EPS was $11.52 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Enova International generate in fiscal 2025?
Enova International generated $1.77B of free cash flow in fiscal 2025.
What was Enova International's revenue last quarter?
In its most recent reported quarter (2026 Q2), Enova International reported revenue of $928.9M.
How much debt does Enova International have?
Enova International reported $4.50B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Enova International are outstanding?
Enova International reported a weighted average of 24.9 million basic shares outstanding in 2026 Q2.
What is Enova International's market cap?
Based on its latest closing price, Enova International (ENVA) has a market capitalization of about $4.60B.
When does Enova International's fiscal year end?
Enova International's fiscal year end, as registered with the SEC, is December 31.
Where is Enova International headquartered?
Enova International lists its business address in Chicago, Illinois in its SEC filings.