Enova International, Inc. (ENVA)

NYSE: ENVA · Real-Time Price · USD

171.49

+4.38 (2.62%)

At close: Oct 1, 2026, 4:00 PM EDT

171.20

-0.29 (-0.17%)

After-hours: Oct 1, 2026, 7:45 PM EDT

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	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
Interest and Dividend Income	3,446	3,152	2,658	2,118	1,736	1,208
Total Interest Expense	367.84	339.31	290.44	194.78	115.89	76.51
Net Interest Income	3,078	2,812	2,367	1,923	1,620	1,131
Other Revenue	-1,387	-1,321	-1,128	-887.72	-618.52	-183.67
Revenue Before Loan Losses	1,692	1,491	1,239	1,035	1,002	947.75
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%
Cost of Services Provided	1,183	1,042	904.48	769.63	696.71	575.82
Total Operating Expenses	1,221	1,084	944.69	807.79	733.57	611.2
Operating Income	470.53	406.69	294.32	227.36	268.11	336.55
Earnings From Equity Investments	1.47	1.56	-16.46	0.12	6.44	2.95
Currency Exchange Gain (Loss)	0.63	0.37	-1.06	0.06	-0.65	-0.38
EBT Excluding Unusual Items	472.62	408.62	276.79	227.53	272.57	338.38
Other Unusual Items	-	-1.02	-5.69	-0.28	-	-0.38
Pretax Income	461.93	401.03	271.1	227.25	272.57	337.16
Income Tax Expense	106.47	92.65	61.65	52.13	65.15	80.09
Earnings From Continuing Ops.	355.45	308.39	209.45	175.12	207.42	257.07
Net Income to Company	355.45	308.39	209.45	175.12	207.42	257.07
Minority Interest in Earnings	-	-	-	-	-	-0.77
Net Income	355.45	308.39	209.45	175.12	207.42	256.3
Net Income to Common	355.45	308.39	209.45	175.12	207.42	256.3
Net Income Growth	38.74%	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	-3.49%	-5.06%	-11.65%	-4.67%	-11.27%	16.82%
EPS (Basic)	14.30	12.25	7.78	5.71	6.42	7.05
EPS (Diluted)	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%

Additional Metrics

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
Free Cash Flow	1,953	1,772	1,495	1,122	850.37	442.19
Free Cash Flow Per Share	73.93	66.18	53.02	35.14	25.40	11.72
Operating Margin	27.81%	27.28%	23.75%	21.96%	26.77%	35.51%
Profit Margin	21.01%	20.68%	16.91%	16.92%	20.71%	27.04%
Free Cash Flow Margin	115.43%	118.85%	120.67%	108.36%	84.89%	46.66%
Effective Tax Rate	23.05%	23.10%	22.74%	22.94%	23.90%	23.75%
Revenue as Reported	2,060	1,830	1,529	1,230	1,118	1,024

SEC Filings: 10-K · 10-Q