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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	3,042	2,658	2,118	1,736	1,208	1,084
Total Interest Expense	327.27	290.44	194.78	115.89	76.51	86.69
Net Interest Income	2,715	2,367	1,923	1,620	1,131	997.02
Other Revenue	-1,300	-1,128	-887.72	-618.52	-183.67	-399.52
Revenue Before Loan Losses	1,414	1,239	1,035	1,002	947.75	597.5
Revenue	1,414	1,239	1,035	1,002	947.75	597.5
Revenue Growth (YoY)	20.78%	19.69%	3.34%	5.69%	58.62%	-45.64%
Cost of Services Provided	990.44	904.48	769.63	696.71	575.82	286.64
Total Operating Expenses	1,033	944.69	807.79	733.57	611.2	306.37
Operating Income	380.71	294.32	227.36	268.11	336.55	291.13
Earnings From Equity Investments	1.08	-16.46	0.12	6.44	2.95	0.63
Currency Exchange Gain (Loss)	-1.13	-1.06	0.06	-0.65	-0.38	0.51
EBT Excluding Unusual Items	380.67	276.79	227.53	272.57	338.38	292.27
Other Unusual Items	-1.02	-5.69	-0.28	-	-0.38	163.17
Pretax Income	379.65	271.1	227.25	272.57	337.16	435.42
Income Tax Expense	86.54	61.65	52.13	65.15	80.09	57.19
Earnings From Continuing Ops.	293.1	209.45	175.12	207.42	257.07	378.23
Earnings From Discontinued Ops.	-	-	-	-	-	-0.3
Net Income to Company	293.1	209.45	175.12	207.42	257.07	377.93
Minority Interest in Earnings	-	-	-	-	-0.77	-0.09
Net Income	293.1	209.45	175.12	207.42	256.3	377.84
Net Income to Common	293.1	209.45	175.12	207.42	256.3	377.84
Net Income Growth	62.37%	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)	-6.65%	-11.65%	-4.67%	-11.27%	16.82%	-6.09%
EPS (Basic)	11.49	7.78	5.71	6.42	7.05	11.85
EPS (Diluted)	10.82	7.43	5.49	6.19	6.79	11.70
EPS Growth	73.62%	35.34%	-11.31%	-8.84%	-41.97%	1000.98%
Free Cash Flow	1,705	1,495	1,122	850.37	442.19	711.38
Free Cash Flow Per Share	62.98	53.02	35.14	25.40	11.72	22.02
Operating Margin	26.92%	23.75%	21.96%	26.77%	35.51%	48.72%
Profit Margin	20.73%	16.91%	16.92%	20.71%	27.04%	63.24%
Free Cash Flow Margin	120.59%	120.67%	108.36%	84.89%	46.66%	119.06%
Effective Tax Rate	22.80%	22.74%	22.94%	23.90%	23.75%	13.13%
Revenue as Reported	1,741	1,529	1,230	1,118	1,024	684.19

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q