Enova International, Inc. (ENVA)
NYSE: ENVA · Real-Time Price · USD
168.73
-2.44 (-1.42%)
Nov 12, 2026, 9:47 AM EST - Market open
Enova International Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Interest and Dividend Income | 3,653 | 3,152 | 2,658 | 2,118 | 1,736 | 1,208 |
Total Interest Expense | 384.39 | 339.31 | 290.44 | 194.78 | 115.89 | 76.51 |
Net Interest Income | 3,268 | 2,812 | 2,367 | 1,923 | 1,620 | 1,131 |
Other Revenue | -1,439 | -1,321 | -1,128 | -887.72 | -618.52 | -183.67 |
Revenue Before Loan Losses | 1,829 | 1,491 | 1,239 | 1,035 | 1,002 | 947.75 |
| 1,829 | 1,491 | 1,239 | 1,035 | 1,002 | 947.75 | |
Revenue Growth | 29.33% | 20.33% | 19.69% | 3.34% | 5.69% | 58.62% |
Cost of Services Provided | 1,286 | 1,042 | 904.48 | 769.63 | 696.71 | 575.82 |
Total Operating Expenses | 1,323 | 1,084 | 944.69 | 807.79 | 733.57 | 611.2 |
Operating Income | 505.81 | 406.69 | 294.32 | 227.36 | 268.11 | 336.55 |
Earnings From Equity Investments | 1.87 | 1.56 | -16.46 | 0.12 | 6.44 | 2.95 |
Currency Exchange Gain (Loss) | -0.36 | 0.37 | -1.06 | 0.06 | -0.65 | -0.38 |
EBT Excluding Unusual Items | 507.32 | 408.62 | 276.79 | 227.53 | 272.57 | 338.38 |
Other Unusual Items | -0.63 | -1.02 | -5.69 | -0.28 | - | -0.38 |
Pretax Income | 494.6 | 401.03 | 271.1 | 227.25 | 272.57 | 337.16 |
Income Tax Expense | 112.16 | 92.65 | 61.65 | 52.13 | 65.15 | 80.09 |
Earnings From Continuing Ops. | 382.44 | 308.39 | 209.45 | 175.12 | 207.42 | 257.07 |
Net Income to Company | 382.44 | 308.39 | 209.45 | 175.12 | 207.42 | 257.07 |
Minority Interest in Earnings | - | - | - | - | - | -0.77 |
Net Income | 382.44 | 308.39 | 209.45 | 175.12 | 207.42 | 256.3 |
Net Income to Common | 382.44 | 308.39 | 209.45 | 175.12 | 207.42 | 256.3 |
Net Income Growth | 30.48% | 47.24% | 19.60% | -15.57% | -19.07% | -32.17% |
Shares Outstanding (Basic) | 25 | 25 | 27 | 31 | 32 | 36 |
Shares Outstanding (Diluted) | 26 | 27 | 28 | 32 | 33 | 38 |
Shares Change | -2.42% | -5.06% | -11.65% | -4.67% | -11.27% | 16.82% |
EPS (Basic) | 15.39 | 12.25 | 7.78 | 5.71 | 6.42 | 7.05 |
EPS (Diluted) | 14.48 | 11.52 | 7.43 | 5.49 | 6.19 | 6.79 |
EPS Growth | 33.84% | 55.05% | 35.34% | -11.31% | -8.84% | -41.97% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Free Cash Flow | 2,006 | 1,772 | 1,495 | 1,122 | 850.37 | 442.19 |
Free Cash Flow Per Share | 75.94 | 66.18 | 53.02 | 35.14 | 25.40 | 11.72 |
Operating Margin | 27.66% | 27.28% | 23.75% | 21.96% | 26.77% | 35.51% |
Profit Margin | 20.91% | 20.68% | 16.91% | 16.92% | 20.71% | 27.04% |
Free Cash Flow Margin | 109.70% | 118.85% | 120.67% | 108.36% | 84.89% | 46.66% |
Effective Tax Rate | 22.68% | 23.10% | 22.74% | 22.94% | 23.90% | 23.75% |
Revenue as Reported | 2,213 | 1,830 | 1,529 | 1,230 | 1,118 | 1,024 |