Skip to main content
logo
Enova International, Inc. (ENVA)
NYSE: ENVA · Real-Time Price · USD
174.09
-6.95 (-3.84%)
Oct 30, 2026, 4:00 PM EDT - Market closed

Enova International Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,8291,4911,2391,0351,002947.75
Revenue Growth
29.33%20.33%19.69%3.34%5.69%58.62%
Operating Income
505.81406.69294.32227.36268.11336.55
Net Income
382.44308.39209.45175.12207.42256.3
Earnings Per Share
14.4811.527.435.496.196.79
EPS Growth
33.84%55.05%35.34%-11.31%-8.84%-41.97%

Revenue by Geography
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
United States
3,5583,0732,6042,0881,7231,185
Other International Countries
95.0579.0853.3430.1213.1623.33
Total
3,6533,1522,6582,1181,7361,208

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
117.485.4377.5561.53117.57181.54
Total Debt
5,4094,5303,5962,9712,2921,425
Net Cash (Debt)
-5,292-4,445-3,518-2,909-2,175-1,244
Net Cash Growth
------
Net Cash Per Share
-200.29-166.01-124.75-91.14-64.95-32.96

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
2,0531,8191,5391,167894471.87
Capital Expenditures
-46.69-47.14-43.42-45.24-43.63-29.67
Free Cash Flow
2,0061,7721,4951,122850.37442.19
Free Cash Flow Growth
17.66%18.52%33.30%31.90%92.31%-37.84%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
27.66%27.28%23.75%21.96%26.77%35.51%
Pretax Margin
27.04%26.90%21.88%21.95%27.21%35.57%
Profit Margin
20.91%20.68%16.91%16.92%20.71%27.04%
FCF Margin
109.70%118.85%120.67%108.36%84.89%46.66%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.0212.6012.009.445.825.82
Forward PE
8.6311.219.287.355.447.95
P/FCF Ratio
2.122.191.681.471.423.37
PS Ratio
2.332.612.031.601.211.57