Enova International, Inc. (ENVA)

NYSE: ENVA · Real-Time Price · USD

176.78

-3.27 (-1.82%)

At close: Oct 22, 2026, 4:00 PM EDT

173.00

-3.78 (-2.14%)

After-hours: Oct 22, 2026, 7:30 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	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
Revenue	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	1,292	1,042	904.48	769.63	696.71	575.82
Total Operating Expenses	1,329	1,084	944.69	807.79	733.57	611.2
Operating Income	500.29	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	502.18	408.62	276.79	227.53	272.57	338.38
Other Unusual Items	-1.02	-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	27.36%	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

SEC Filings: 10-K · 10-Q