Enova International, Inc. (ENVA)

Enova International Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	355.45	308.39	209.45	175.12	207.42	256.3
Depreciation & Amortization	38.75	41.83	40.21	38.16	36.87	35.38
Other Amortization	17.22	16.59	15.79	10.12	5.7	6.22
Loss (Gain) From Sale of Investments	-	-	16.55	-	-	-
Asset Writedown & Restructuring Costs	1,313	1,313	1,119	879.35	612.15	180.17
Stock-Based Compensation	34.51	33.1	31.82	26.74	21.95	21.18
Change in Accounts Payable	64.61	34.96	35.05	18.14	-2.84	17.84
Change in Income Taxes	24.81	20.54	-49.33	47.16	50.91	-48.63
Change in Other Net Operating Assets	-1.97	-24.17	12.75	8.88	-24.34	-7.22
Other Operating Activities	102.92	73.11	119.59	7.37	14.11	30.6
Operating Cash Flow	1,999	1,819	1,539	1,167	894	471.87
Operating Cash Flow Growth	19.89%	18.23%	31.86%	30.52%	89.46%	-36.31%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-46.41	-47.14	-43.42	-45.24	-43.63	-29.67
Cash Acquisitions	-	-	-	-	-	-29.15
Divestitures	-	-	-	-	8.71	1.93
Net Decrease (Increase) in Loans Originated / Sold - Investing	-2,773	-2,399	-1,868	-1,449	-1,631	-923.49
Other Investing Activities	-	-	-	-	-	0.03
Investing Cash Flow	-2,819	-2,446	-1,911	-1,495	-1,666	-980.37

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	3,454	2,970	1,833	966.66	849.27
Long-Term Debt Repaid	-	-2,521	-2,346	-1,136	-95.49	-376.69
Net Debt Issued (Repaid)	1,042	933.56	624.04	696.51	871.17	472.58
Issuance of Common Stock	9.21	8.71	12.2	5.64	4.24	15.46
Repurchase of Common Stock	-133.1	-214.59	-289.29	-153.19	-143.07	-116.66
Other Financing Activities	-12.11	-15.86	-28.07	-22.42	-7.47	-6.23
Financing Cash Flow	906.28	711.82	318.88	526.54	724.87	365.15

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	-0.4	0.04	-1.03	0.29	-0.08	0.03
Net Cash Flow	85.77	85.2	-54.77	199.04	-47.48	-143.32

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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%
Free Cash Flow Margin	115.43%	118.85%	120.67%	108.36%	84.89%	46.66%
Free Cash Flow Per Share	73.93	66.18	53.02	35.14	25.40	11.72

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	321.08	321.08	274.12	182.41	108.01	71.1
Cash Income Tax Paid	1.44	1.44	-1.52	-3.11	-2.35	89.27

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 23, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 23, 2026

Data Sources Report a data error