Enova International Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	3,152	2,658	2,118	1,736	1,208
Total Interest Expense	339.31	290.44	194.78	115.89	76.51
Net Interest Income	2,812	2,367	1,923	1,620	1,131
Other Revenue	-1,321	-1,128	-887.72	-618.52	-183.67
Revenue Before Loan Losses	1,491	1,239	1,035	1,002	947.75
Revenue	1,491	1,239	1,035	1,002	947.75
Revenue Growth (YoY)	20.33%	19.69%	3.34%	5.69%	58.62%
Cost of Services Provided	1,049	904.48	769.63	696.71	575.82
Total Operating Expenses	1,091	944.69	807.79	733.57	611.2
Operating Income	400.13	294.32	227.36	268.11	336.55
Earnings From Equity Investments	1.56	-16.46	0.12	6.44	2.95
Currency Exchange Gain (Loss)	0.37	-1.06	0.06	-0.65	-0.38
EBT Excluding Unusual Items	402.05	276.79	227.53	272.57	338.38
Other Unusual Items	-1.02	-5.69	-0.28	-	-0.38
Pretax Income	401.03	271.1	227.25	272.57	337.16
Income Tax Expense	92.65	61.65	52.13	65.15	80.09
Earnings From Continuing Ops.	308.39	209.45	175.12	207.42	257.07
Net Income to Company	308.39	209.45	175.12	207.42	257.07
Minority Interest in Earnings	-	-	-	-	-0.77
Net Income	308.39	209.45	175.12	207.42	256.3
Net Income to Common	308.39	209.45	175.12	207.42	256.3
Net Income Growth	47.24%	19.60%	-15.57%	-19.07%	-32.17%
Shares Outstanding (Basic)	25	27	31	32	36
Shares Outstanding (Diluted)	27	28	32	33	38
Shares Change (YoY)	-5.06%	-11.65%	-4.67%	-11.27%	16.82%
EPS (Basic)	12.25	7.78	5.71	6.42	7.05
EPS (Diluted)	11.52	7.43	5.49	6.19	6.79
EPS Growth	55.05%	35.34%	-11.31%	-8.84%	-41.97%
Free Cash Flow	1,772	1,495	1,122	850.37	442.19
Free Cash Flow Per Share	66.18	53.02	35.14	25.40	11.72
Operating Margin	26.84%	23.75%	21.96%	26.77%	35.51%
Profit Margin	20.68%	16.91%	16.92%	20.71%	27.04%
Free Cash Flow Margin	118.85%	120.67%	108.36%	84.89%	46.66%
Effective Tax Rate	23.10%	22.74%	22.94%	23.90%	23.75%
Revenue as Reported	1,830	1,529	1,230	1,118	1,024

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.