20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Enova International Inc (ENVA) operates in the CREDIT SERVICES industry and is headquartered in Chicago, United States with about 1,836 employees. Its market capitalization is roughly $4 billion. In the fiscal year ended 2025-12-31, ENVA reported $3.2B in revenue and $308M in net income.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally.
Interactive charts & full statements → Open the ENVA valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $3.0B | $3.2B | $2.7B | $2.1B | $1.7B | $1.2B | $1.1B | $1.2B | $973M | $729M | $746M | $653M | $810M | $765M | $661M | $480M | $378M | $255M |
| Gross Profit | $2.2B | $1.6B | $1.2B | $1.0B | $1.0B | $948M | $598M | $496M | $390M | $301M | $352M | $383M | $505M | $430M | $351M | $261M | $198M | $134M |
| Gross Margin % | 74.0% | 50.1% | 46.6% | 48.9% | 57.7% | 78.5% | 55.1% | 42.2% | 40.1% | 41.3% | 47.2% | 58.7% | 62.3% | 56.2% | 53.2% | 54.4% | 52.3% | 52.5% |
| Operating Income (EBIT) | $830M | $739M | $585M | $422M | $384M | $413M | $358M | $248M | $176M | $116M | $121M | $124M | $215M | $143M | $114M | $76M | $39M | $28M |
| Operating Margin % | 27.6% | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% | 33.0% | 21.1% | 18.1% | 15.9% | 16.3% | 19.1% | 26.6% | 18.6% | 17.3% | 15.9% | 10.3% | 10.9% |
| Net Income | $355M | $308M | $209M | $175M | $207M | $256M | $378M | $37M | $70M | $29M | $35M | $44M | $112M | $78M | $59M | $37M | $25M | $18M |
| Net Margin % | 11.8% | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% | 3.1% | 7.2% | 4.0% | 4.6% | 6.7% | 13.8% | 10.2% | 8.9% | 7.7% | 6.6% | 6.9% |
| EBITDA | $781M | $530M | $335M | $266M | $305M | $372M | $291M | $188M | $110M | $55M | $71M | $90M | $195M | $140M | $106M | $70M | $228M | $156M |
| Earnings Per Share (EPS) | $13.48 | $11.70 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $1.06 | $1.99 | $0.86 | $1.03 | $1.33 | $3.38 | $2.36 | $1.78 | $1.12 | $0.75 | $0.54 |
| Shares Outstanding (M) | 26M | 26M | 28M | 32M | 33M | 38M | 32M | 34M | 35M | 34M | 33M | 33M | 33M | 33M | 33M | 33M | 33M | 33M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $494M | $875M | $839M | $803M | $764M | $746M | $730M | $690M |
| Gross Profit | $485M | $866M | $502M | $374M | $359M | $346M | $336M | $323M |
| Gross Margin % | 98.2% | 99.0% | 59.8% | 46.6% | 46.9% | 46.4% | 46.1% | 46.9% |
| Operating Income (EBIT) | $237M | $210M | $187M | $197M | $184M | $172M | $155M | $154M |
| Operating Margin % | 48.0% | 24.0% | 22.2% | 24.5% | 24.1% | 23.1% | 21.3% | 22.3% |
| Net Income | $105M | $91M | $79M | $80M | $76M | $73M | $64M | $43M |
| Net Margin % | 21.3% | 10.4% | 9.4% | 10.0% | 10.0% | 9.8% | 8.7% | 6.3% |
| EBITDA | $248M | $216M | $195M | $122M | $112M | $101M | $88M | $87M |
| Earnings Per Share (EPS) | $3.99 | $3.46 | $3.00 | $3.03 | $2.81 | $2.69 | $2.30 | $1.57 |
| Shares Outstanding (M) | 26M | 26M | 26M | 26M | 27M | 27M | 28M | 28M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $2.0B | $1.8B | $1.5B | $1.2B | $894M | $472M | $741M | $876M | $685M | $447M | $393M | $284M | $422M | $438M | $376M | $258M | $218M | $151M |
| Capital Expenditures (CapEx) | $46M | $47M | $43M | $45M | $44M | $30M | $29M | $20M | $16M | $17M | $14M | $32M | $13M | $15M | $18M | $15M | $13M | $12M |
| Free Cash Flow (FCF) | $2.0B | $1.8B | $1.5B | $1.1B | $850M | $442M | $711M | $856M | $669M | $431M | $379M | $252M | $409M | $423M | $358M | $243M | $206M | $139M |
| FCF Margin % | 64.9% | 56.2% | 56.3% | 53.0% | 49.0% | 36.6% | 65.6% | 72.8% | 68.8% | 59.1% | 50.8% | 38.6% | 50.5% | 55.3% | 54.1% | 50.6% | 54.4% | 54.3% |
| Dividends Paid | — | — | — | $22M | $4M | $15M | $0M | $4M | — | $0M | $0M | $0M | $122M | — | — | — | — | — |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $544M | $475M | $499M | $482M | $447M | $391M | $431M | $399M |
| Capital Expenditures (CapEx) | $13M | $11M | $12M | $11M | $11M | $13M | $10M | $11M |
| Free Cash Flow (FCF) | $531M | $464M | $487M | $470M | $436M | $378M | $420M | $388M |
| FCF Margin % | 107.6% | 53.0% | 58.0% | 58.6% | 57.1% | 50.7% | 57.6% | 56.2% |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.2B | $6.5B | $5.3B | $4.6B | $3.8B | $2.8B | $2.1B | $1.6B | $1.3B | $1.2B | $978M | $881M | $760M | $692M | $613M | $534M | $422M | $376M |
| Cash & Cash Equivalents | $122M | $72M | $74M | $377M | $100M | $165M | $297M | $36M | $53M | $69M | $40M | $42M | $75M | $47M | $38M | $38M | $19M | $27M |
| Total Liabilities | $5.7B | $5.1B | $4.1B | $3.3B | $2.6B | $1.7B | $1.2B | $1.2B | $980M | $878M | $736M | $675M | $606M | $519M | $515M | $493M | $342M | $320M |
| Total Debt (Short + Long-Term) | $5.0B | $4.4B | $3.6B | $3.0B | $2.3B | $1.4B | $985M | $993M | $860M | $792M | $653M | $556M | $496M | $426M | $856M | $0M | $0M | $0M |
| Total Shareholders' Equity | $1.5B | $1.3B | $1.2B | $1.2B | $1.2B | $1.1B | $919M | $377M | $348M | $282M | $242M | $206M | $154M | $173M | $97M | $42M | $80M | $55M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ENVA viewer.
About TickerBase · Data methodology & sources · Privacy · Terms