Enova International, Inc. (ENVA)

NYSE: ENVA · Real-Time Price · USD

178.07

-4.52 (-2.48%)

At close: Oct 9, 2026, 4:00 PM EDT

177.30

-0.77 (-0.43%)

After-hours: Oct 9, 2026, 7:58 PM EDT

Enova International Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	1,692	1,491	1,239	1,035	1,002	947.75
Revenue Growth	24.05%	20.33%	19.69%	3.34%	5.69%	58.62%
Operating Income	470.53	406.69	294.32	227.36	268.11	336.55
Net Income	355.45	308.39	209.45	175.12	207.42	256.3
Earnings Per Share	13.46	11.52	7.43	5.49	6.19	6.79
EPS Growth	43.71%	55.05%	35.34%	-11.31%	-8.84%	-41.97%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
United States	3,355	3,073	2,604	2,088	1,723	1,185
Other International Countries	91.07	79.08	53.34	30.12	13.16	23.33
Total	3,446	3,152	2,658	2,118	1,736	1,208

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Investments	135.27	85.43	77.55	61.53	117.57	181.54
Total Debt	5,045	4,530	3,596	2,971	2,292	1,425
Net Cash (Debt)	-4,910	-4,445	-3,518	-2,909	-2,175	-1,244
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-185.88	-166.01	-124.75	-91.14	-64.95	-32.96

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Cash Flow	1,999	1,819	1,539	1,167	894	471.87
Capital Expenditures	-46.41	-47.14	-43.42	-45.24	-43.63	-29.67
Free Cash Flow	1,953	1,772	1,495	1,122	850.37	442.19
Free Cash Flow Growth	20.37%	18.52%	33.30%	31.90%	92.31%	-37.84%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Operating Margin	27.81%	27.28%	23.75%	21.96%	26.77%	35.51%
Pretax Margin	27.30%	26.90%	21.88%	21.95%	27.21%	35.57%
Profit Margin	21.01%	20.68%	16.91%	16.92%	20.71%	27.04%
FCF Margin	115.43%	118.85%	120.67%	108.36%	84.89%	46.66%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 10, 2026	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
PE Ratio	13.23	12.60	12.00	9.44	5.82	5.82
Forward PE	9.27	11.21	9.28	7.35	5.44	7.95
P/FCF Ratio	2.27	2.19	1.68	1.47	1.42	3.37
PS Ratio	2.62	2.61	2.03	1.60	1.21	1.57