Enova International, Inc. (ENVA)

Enova International Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	2,929	2,658	2,118	1,736	1,208	1,084
Total Interest Expense	317.22	290.44	194.78	115.89	76.51	86.69
Net Interest Income	2,612	2,367	1,923	1,620	1,131	997.02
Other Revenue	-1,248	-1,128	-887.72	-618.52	-183.67	-399.52
Revenue Before Loan Losses	1,364	1,239	1,035	1,002	947.75	597.5
Revenue	1,364	1,239	1,035	1,002	947.75	597.5
Revenue Growth (YoY)	21.96%	19.69%	3.34%	5.69%	58.62%	-45.64%
Cost of Services Provided	975.47	904.48	769.63	696.71	575.82	286.64
Total Operating Expenses	1,016	944.69	807.79	733.57	611.2	306.37
Operating Income	347.7	294.32	227.36	268.11	336.55	291.13
Earnings From Equity Investments	-15.73	-16.46	0.12	6.44	2.95	0.63
Currency Exchange Gain (Loss)	-1.32	-1.06	0.06	-0.65	-0.38	0.51
EBT Excluding Unusual Items	330.66	276.79	227.53	272.57	338.38	292.27
Other Unusual Items	-5.7	-5.69	-0.28	-	-0.38	163.17
Pretax Income	324.97	271.1	227.25	272.57	337.16	435.42
Income Tax Expense	68.76	61.65	52.13	65.15	80.09	57.19
Earnings From Continuing Ops.	256.2	209.45	175.12	207.42	257.07	378.23
Earnings From Discontinued Ops.	-	-	-	-	-	-0.3
Net Income to Company	256.2	209.45	175.12	207.42	257.07	377.93
Minority Interest in Earnings	-	-	-	-	-0.77	-0.09
Net Income	256.2	209.45	175.12	207.42	256.3	377.84
Net Income to Common	256.2	209.45	175.12	207.42	256.3	377.84
Net Income Growth	43.62%	19.60%	-15.57%	-19.07%	-32.17%	932.02%
Shares Outstanding (Basic)	26	27	31	32	36	32
Shares Outstanding (Diluted)	27	28	32	33	38	32
Shares Change (YoY)	-8.92%	-11.65%	-4.67%	-11.27%	16.82%	-6.09%
EPS (Basic)	9.90	7.78	5.71	6.42	7.05	11.85
EPS (Diluted)	9.37	7.43	5.49	6.19	6.79	11.70
EPS Growth	57.71%	35.34%	-11.31%	-8.84%	-41.97%	1000.98%
Free Cash Flow	1,622	1,495	1,122	850.37	442.19	711.38
Free Cash Flow Per Share	59.27	53.02	35.14	25.40	11.72	22.02
Operating Margin	25.50%	23.75%	21.96%	26.77%	35.51%	48.72%
Profit Margin	18.79%	16.91%	16.92%	20.71%	27.04%	63.24%
Free Cash Flow Margin	118.96%	120.67%	108.36%	84.89%	46.66%	119.06%
Effective Tax Rate	21.16%	22.74%	22.94%	23.90%	23.75%	13.13%
Revenue as Reported	1,681	1,529	1,230	1,118	1,024	684.19

Updated Jul 25, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q