CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · ENVA

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin58.1%57.5%58.1%64.4%84.8%63.1%
Operating margin23.5%22.0%19.9%22.1%34.2%33.0%
EBITDA margin24.8%23.5%21.7%24.2%37.1%34.8%
Net margin9.8%7.9%8.3%11.9%21.2%34.9%
Free cash flow margin56.2%56.3%53.0%49.8%36.6%65.6%
FCF / Net income5.757.146.404.171.731.88
R&D / Revenue------
SG&A / Revenue5.4%5.9%7.6%8.1%13.0%13.0%
Effective tax rate23.1%22.7%22.9%23.9%23.8%13.1%
Return on assets4.8%4.0%3.8%5.5%9.3%17.9%
Return on equity23.1%17.5%14.1%17.5%23.4%41.2%
Return on invested capital9.7%9.5%7.8%8.5%12.7%16.7%
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity3.372.982.371.901.271.03
Debt / Assets0.700.680.640.600.500.45
Debt / EBITDA5.765.706.405.373.092.51
Interest coverage2.2x2.0x2.2x3.3x5.4x4.1x
Equity multiplier4.844.403.703.192.532.30
Liabilities / Assets0.790.770.730.690.600.56
Efficiency
Asset turnover0.490.500.460.460.440.51
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E13.6x12.9x10.1x6.2x6.0x2.1x
P / B3.1x2.3x1.4x1.1x1.4x0.9x
P / S1.3x1.0x0.8x0.7x1.3x0.7x
EV / EBITDA11.1x9.9x10.1x8.2x6.2x3.8x
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 total
US$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

CompanyRevenue (last FY)Net marginROE
AFRM$3.22B1.6%1.7%
LC$998.85M13.6%9.0%
SLM--43.1%
RM$645.60M6.9%11.9%
DFS---

Comparing Enova International against the 5 most active filers in the same SIC group.