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
Revenue	4,982	4,187	3,348	2,854	2,232
Revenue Growth (YoY)	18.98%	25.08%	17.31%	27.84%	26.26%
Selling, General & Admin	1,049	904.48	769.63	696.71	575.82
Depreciation & Amortization Expenses	41.83	40.21	38.16	36.87	35.38
Total Operating Expenses	1,091	944.69	807.79	733.57	611.2
Operating Income	739.43	584.76	422.14	383.99	413.06
Interest Income	1.56	-16.46	0.12	6.44	2.95
Interest Expense	-339.31	-290.44	-194.78	-115.89	-76.51
Other Non-Operating Income (Expense)	-0.65	-6.76	-0.23	-1.97	-2.35
Total Non-Operating Income (Expense)	-338.4	-313.66	-194.89	-111.42	-75.91
Pretax Income	401.03	271.1	227.25	272.57	337.16
Provision for Income Taxes	92.65	61.65	52.13	65.15	80.09
Net Income	308.39	209.45	175.12	207.42	256.3
Minority Interest in Earnings	-	-	-	-	0.77
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%	-42.02%
Free Cash Flow	1,819	1,539	1,167	894	471.87
Free Cash Flow Growth	18.23%	31.86%	30.52%	89.46%	-36.31%
Free Cash Flow Per Share	67.94	54.56	36.55	26.70	12.50
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	14.84%	13.97%	12.61%	13.46%	18.50%
Profit Margin	6.19%	5.00%	5.23%	7.27%	11.52%
FCF Margin	36.51%	36.74%	34.86%	31.33%	21.14%
EBITDA	781.26	624.97	460.29	420.86	448.44
EBITDA Margin	15.68%	14.93%	13.75%	14.75%	20.09%
EBIT	739.43	584.76	422.14	383.99	413.06
EBIT Margin	14.84%	13.97%	12.61%	13.46%	18.50%
Effective Tax Rate	23.10%	22.74%	22.94%	23.90%	23.75%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Standard template. Financial Sources.

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