Enova International, Inc. ENVA

Financials SIC 6141 - Personal Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities › Nondepository Credit Intermediation › Other Nondepository Credit Intermediation › Consumer Lending derived NYSE

We are a leading technology and analytics company focused on providing online financial services. In 2025, we extended approximately $7.8 billion in credit or financing to borrowers. As of December 31, 2025, we offered or arranged loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. We also offered or arranged financing to small businesses in 49 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it. Our customers include the large and growing number of consumers and small businesses that have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. We were an early entrant into online lending, launching our online business in 2004, and through December 31, 2025, we have completed approximately 69.3 million customer transactions and collected more than 95 terabytes of currently accessible customer behavior data since launch, allowing us to better analyze and underwrite our specific customer base. We have significantly diversified our business over the past several years having expanded the markets we serve and the financing products we offer. These financing products include installment loans and line of credit accounts.

Last close 165.07 2026-10-23
Market cap $4.11B 2026-06-30 share count
52-week range 117.66 - 267.45

Valuation FY2025 figures against the last close

P/S1.3x
P/E14.3x
P/FCF2.3x
EV/EBITDA11.0x
Dividend yield—
Diluted EPS11.52

Where the revenue comes from as reported in the latest 10-K

Revenue by geography

  • United States
  • Other International Countries
Revenue by geography, 2 categories over 2 years. The same figures are in the table below. FY2025 United States, FY2025: 3.1B (97.5%) 97% United States Other International Countries, FY2025: 79.1M (2.5%) FY2024 United States, FY2024: 2.6B (98.0%) 98% Other International Countries, FY2024: 53.3M (2.0%)
Region FY2025FY2024
United States $3.07B $2.60B
Other International Countries $79.1M $53.3M

As the company reported it, from the “Operating Segment Information - Summary of Company's Revenue by Geographical Region (Detail)” note of its latest 10-K. Every figure here has been checked against the total revenue the same filing reported. Regions are the filer's own and are not mapped onto a standard list — one company's “Americas” and another's “United States” are different areas, and making them look comparable would mean making at least one of them wrong. Slices under 1% are folded into “Other”.

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $3.15B$2.66B$2.12B$1.74B$1.21B$1.08B$1.17B$972.6M$728.9M$745.6M
Cost of revenue ——————$602.9M$503.4M$353.5M$328.0M
Gross profit $1.83B$1.53B$1.23B$1.12B$1.02B$684.2M$571.9M$469.2M$375.4M$417.6M
SG&A $169.7M$156.5M$160.3M$140.5M$157.0M$140.6M$109.2M$105.1M$100.0K$98.0M
Total operating expenses $1.09B$944.7M$807.8M$733.6M$611.2M$326.4M$323.7M$293.7M$259.2M$296.1M
Operating income $739.4M$584.8M$422.1M$384.0M$413.1M$357.8M$248.2M$175.5M$116.2M$121.5M
Interest expense $339.3M$290.4M$194.8M$115.9M$76.5M$86.7M$75.6M$79.4M$74.0M$65.6M
Pre-tax income $401.0M$271.1M$227.2M$272.6M$337.2M$435.4M$170.1M$68.9M$19.7M$57.4M
Income tax $92.6M$61.7M$52.1M$65.2M$80.1M$57.2M$42.1M$5.3M$2.1M$22.8M
Net income $308.4M$209.4M$175.1M$207.4M$256.3M$377.8M$36.6M$70.1M$29.2M$34.6M
EPS, basic 12.257.785.716.427.0511.851.092.060.871.04
EPS, diluted 11.527.435.496.196.7911.701.061.990.861.03
Shares, diluted (wtd. avg.) 26.8M28.2M31.9M33.5M37.7M32.3M34.4M35.2M34.1M33.5M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $71.7M$73.9M$54.4M$100.2M$165.5M$297.3M$35.9M$28.1M$49.8M$39.9M
Property, plant and equipment $132.6M$120.0M$108.7M$93.2M$78.4M$79.4M$54.5M$46.1M$48.5M$47.1M
Goodwill $279.3M$279.3M$279.3M$279.3M$279.3M$268.0M$267.0M$267.0M$267.0M$267.0M
Other intangibles $3.7M$11.0M$19.0M$27.4M$35.4M$26.0M$2.2M$3.3M$4.3M$5.4M
Total assets $6.47B$5.27B$4.59B$3.78B$2.76B$2.11B$1.57B$1.33B$1.16B$977.9M
Long-term debt $4.50B$3.56B$2.94B$2.26B$1.38B$946.5M$991.2M$857.9M$788.5M$649.9M
Total liabilities $5.13B$4.07B$3.35B$2.59B$1.67B$1.19B$1.20B$986.6M$877.8M$736.2M
Retained earnings $2.01B$1.70B$1.49B$1.31B$1.11B$849.5M$372.7M$336.4M$264.7M$235.5M
Total equity $1.34B$1.20B$1.24B$1.19B$1.09B$918.8M$376.6M$347.8M$281.7M$241.7M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $1.82B$1.54B$1.17B$894.0M$471.9M$740.9M$848.6M$684.8M$447.2M$393.4M
Depreciation and amortisation $34.5M$32.2M$29.8M$28.8M$28.5M$18.0M$14.0M$13.1M$12.2M$14.4M
Stock-based compensation $33.1M$31.8M$26.7M$21.9M$21.2M$18.0M$12.0M$11.7M$11.3M$8.5M
Capital expenditure $47.1M$43.4M$45.2M$43.6M$29.7M$29.5M$20.1M$14.7M$15.2M$14.4M
Investing cash flow -$2.45B-$1.91B-$1.49B-$1.67B-$980.4M$83.6M-$941.4M-$720.9M-$524.6M-$464.4M
Financing cash flow $711.8M$318.9M$526.5M$724.9M$365.1M-$536.0M$95.5M$22.5M$104.6M$99.9M
Buybacks $214.6M$289.3M$153.2M$143.1M$116.7M$56.4M$33.8M$17.3M$5.1M$437.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-060461.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 1B 2B 3B 4B Revenue, FY2016: 745.6M Gross profit, FY2016: 417.6M Net income, FY2016: 34.6M Revenue, FY2017: 728.9M Gross profit, FY2017: 375.4M Net income, FY2017: 29.2M Revenue, FY2018: 972.6M Gross profit, FY2018: 469.2M Net income, FY2018: 70.1M Revenue, FY2019: 1.2B Gross profit, FY2019: 571.9M Net income, FY2019: 36.6M Revenue, FY2020: 1.1B Gross profit, FY2020: 684.2M Net income, FY2020: 377.8M Revenue, FY2021: 1.2B Gross profit, FY2021: 1B Net income, FY2021: 256.3M Revenue, FY2022: 1.7B Gross profit, FY2022: 1.1B Net income, FY2022: 207.4M Revenue, FY2023: 2.1B Gross profit, FY2023: 1.2B Net income, FY2023: 175.1M Revenue, FY2024: 2.7B Gross profit, FY2024: 1.5B Net income, FY2024: 209.4M Revenue, FY2025: 3.2B Gross profit, FY2025: 1.8B Net income, FY2025: 308.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $745.6M $728.9M $972.6M $1.17B $1.08B $1.21B $1.74B $2.12B $2.66B $3.15B
Gross profit $417.6M $375.4M $469.2M $571.9M $684.2M $1.02B $1.12B $1.23B $1.53B $1.83B
Net income $34.6M $29.2M $70.1M $36.6M $377.8M $256.3M $207.4M $175.1M $209.4M $308.4M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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