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Enova International, Inc. (ENVA)
NYSE: ENVA · Real-Time Price · USD
253.35
+8.64 (3.53%)
At close: Jul 30, 2026, 4:00 PM EDT
253.35
0.00 (0.00%)
After-hours: Jul 30, 2026, 4:10 PM EDT

Enova International Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,4463,1522,6582,1181,7361,208
Revenue Growth
17.65%18.58%25.51%21.98%43.72%11.46%
Gross Profit
3,4463,1522,6582,1181,7361,208
Operating Income
827.68739.43584.76422.14383.99413.06
Net Income
355.45308.39209.45175.12207.42256.3
Earnings Per Share
13.4911.527.435.496.196.79
EPS Growth
43.21%55.05%35.34%-11.31%-8.84%-42.02%

Revenue by Geography
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
United States
3,3553,0732,6042,0881,7231,185
Other International Countries
91.0779.0853.3430.1213.1623.33
Total
3,4463,1522,6582,1181,7361,208

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
122.2371.7173.9154.36100.17165.48
Total Debt
5,0454,5303,5962,9712,2921,425
Net Cash (Debt)
-4,923-4,459-3,522-2,916-2,192-1,260
Net Cash Growth
------
Net Cash Per Share
-186.75-166.53-124.88-91.37-65.47-33.39

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,9991,8191,5391,167894471.87
Free Cash Flow
1,9991,8191,5391,167894471.87
Free Cash Flow Growth
19.89%18.23%31.86%30.52%89.46%-36.31%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
100.00%100.00%100.00%100.00%100.00%100.00%
Operating Margin
24.02%23.46%22.00%19.93%22.12%34.20%
Pretax Margin
13.40%12.72%10.20%10.73%15.70%27.91%
Profit Margin
10.31%9.78%7.88%8.27%11.95%21.28%
FCF Margin
58.01%57.72%57.89%55.10%51.50%39.06%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
18.8213.6512.9010.086.206.03
Forward PE
13.3711.219.287.355.447.95
P/FCF Ratio
3.192.141.611.381.342.96
PS Ratio
3.681.230.930.760.691.16