ENVA · Enova International, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $1.08B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | $1.83B | $1.53B | $1.23B | $1.12B | $1.02B | $684.19M |
| R&D | - | - | - | - | - | - |
| SG&A | $169.72M | $156.52M | $160.26M | $140.46M | $156.96M | $140.60M |
| Total Operating Expenses | $1.09B | $944.69M | $807.79M | $733.57M | $611.20M | $326.40M |
| D&A | $41.83M | $40.21M | $38.16M | $36.87M | $35.38M | $19.73M |
| Operating Income | $739.43M | $584.76M | $422.13M | $383.99M | $413.06M | $357.80M |
| Interest Expense | $339.31M | $290.44M | $194.78M | $115.89M | $76.51M | $86.69M |
| Income Tax | $92.64M | $61.65M | $52.13M | $65.15M | $80.09M | $57.19M |
| Net Income | $308.39M | $209.45M | $175.12M | $207.42M | $256.30M | $377.84M |
| EPS - Basic | $12.25 | $7.78 | $5.71 | $6.42 | $7.05 | $11.85 |
| EPS - Diluted | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $71.71M | $73.91M | $54.36M | $100.17M | $165.48M | $297.27M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $6.47B | $5.27B | $4.59B | $3.78B | $2.76B | $2.11B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $4.50B | $3.56B | $2.94B | $2.26B | $1.38B | $946.46M |
| Total Liabilities | $5.13B | $4.07B | $3.35B | $2.59B | $1.67B | $1.19B |
| Stockholders' Equity | $1.34B | $1.20B | $1.24B | $1.19B | $1.09B | $917.35M |
| Retained Earnings | $2.01B | $1.70B | $1.49B | $1.31B | $1.11B | $849.47M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.82B | $1.54B | $1.17B | $894.00M | $471.87M | $740.87M |
| Investing Cash Flow | ($2.45B) | ($1.91B) | ($1.49B) | ($1.67B) | ($980.37M) | $83.58M |
| Financing Cash Flow | $711.82M | $318.88M | $526.54M | $724.87M | $365.15M | ($535.97M) |
| CapEx | $47.14M | $43.42M | $45.24M | $29.49M | $29.67M | $29.49M |
| Free Cash Flow | $1.77B | $1.50B | $1.12B | $864.51M | $442.19M | $711.38M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 58.1% | 57.5% | 58.1% | 64.4% | 84.8% | 63.1% |
| Operating margin | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% | 33.0% |
| EBITDA margin | 24.8% | 23.5% | 21.7% | 24.2% | 37.1% | 34.8% |
| Net margin | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% |
| Free cash flow margin | 56.2% | 56.3% | 53.0% | 49.8% | 36.6% | 65.6% |
| FCF / Net income | 5.75 | 7.14 | 6.40 | 4.17 | 1.73 | 1.88 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 5.4% | 5.9% | 7.6% | 8.1% | 13.0% | 13.0% |
| Effective tax rate | 23.1% | 22.7% | 22.9% | 23.9% | 23.8% | 13.1% |
| Return on assets | 4.8% | 4.0% | 3.8% | 5.5% | 9.3% | 17.9% |
| Return on equity | 23.1% | 17.5% | 14.1% | 17.5% | 23.4% | 41.2% |
| Return on invested capital | 9.7% | 9.5% | 7.8% | 8.5% | 12.7% | 16.7% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 3.37 | 2.98 | 2.37 | 1.90 | 1.27 | 1.03 |
| Debt / Assets | 0.70 | 0.68 | 0.64 | 0.60 | 0.50 | 0.45 |
| Debt / EBITDA | 5.76 | 5.70 | 6.40 | 5.37 | 3.09 | 2.51 |
| Interest coverage | 2.2x | 2.0x | 2.2x | 3.3x | 5.4x | 4.1x |
| Equity multiplier | 4.84 | 4.40 | 3.70 | 3.19 | 2.53 | 2.30 |
| Liabilities / Assets | 0.79 | 0.77 | 0.73 | 0.69 | 0.60 | 0.56 |
| Efficiency | ||||||
| Asset turnover | 0.49 | 0.50 | 0.46 | 0.46 | 0.44 | 0.51 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.6x | 12.9x | 10.1x | 6.2x | 6.0x | 2.1x |
| P / B | 3.1x | 2.3x | 1.4x | 1.1x | 1.4x | 0.9x |
| P / S | 1.3x | 1.0x | 0.8x | 0.7x | 1.3x | 0.7x |
| EV / EBITDA | 11.1x | 9.9x | 10.1x | 8.2x | 6.2x | 3.8x |
| Growth | ||||||
| Revenue growth (YoY) | 18.6% | 25.5% | 22.0% | 43.7% | 11.5% | -7.8% |
| Revenue CAGR (3y) | 22.0% | 30.1% | 25.0% | 13.9% | 2.7% | 8.7% |
| Revenue CAGR (5y) | 23.8% | 17.7% | 13.7% | 15.5% | 10.1% | 10.7% |
| Gross profit growth (YoY) | 19.7% | 24.4% | 10.1% | 9.1% | 49.7% | 19.6% |
| Operating income growth (YoY) | 26.5% | 38.5% | 9.9% | -7.0% | 15.4% | 44.2% |
| Net income growth (YoY) | 47.2% | 19.6% | -15.6% | -19.1% | -32.2% | 932.0% |
| EPS growth (YoY) | 55.0% | 35.3% | -11.3% | -8.8% | -42.0% | 1003.8% |
| EPS CAGR (3y) | 23.0% | 3.0% | -22.3% | 80.1% | 50.5% | 138.7% |
| EPS CAGR (5y) | -0.3% | 47.6% | 22.5% | 48.4% | 45.8% | 54.5% |
| FCF growth (YoY) | 18.5% | 33.3% | 29.7% | 95.5% | -37.8% | -14.1% |
| FCF CAGR (5y) | 20.0% | 12.5% | 24.3% | 15.0% | 3.1% | 23.1% |
| Book value growth (YoY) | 11.7% | -3.5% | 4.6% | 8.5% | 19.2% | 143.6% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Geographic
$3.15B totalUS$3.07B · 97.5%
Non Us$79.08M · 2.5%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- ✓Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Personal Credit Institutions
Comparing Enova International against the 5 most active filers in the same SIC group.