ENVA
Enova International, Inc.
$237.00
+2.22 (+0.95%)
At close · Jul 7
Market Cap
$5.90B
Shares
24,884,896
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$3.15B
+18.6%
FY2025
Net Income
$308.39M
+47.2%
FY2025
Gross Margin
58.07%
+0.5pp
FY2025
Operating Margin
23.46%
+1.5pp
FY2025
Diluted EPS
$11.52
+55%
FY2025
Operating Cash Flow
$1.82B
+18.2%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $3.28B | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $1.08B | $1.17B | $972.62M | $728.9M | $745.57M | $652.6M | $809.84M | $765.32M | $660.93M | |
| -$79.14M | — | — | — | — | — | — | -$75.6M | -$79.36M | -$74.01M | -$65.6M | -$52.88M | -$38.47M | -$19.79M | — | |
| — | — | — | — | — | — | — | $602.89M | $503.41M | $353.49M | $327.97M | $216.86M | $266.79M | $315.05M | $288.47M | |
| $1.93B | $1.83B | $1.53B | $1.23B | $1.12B | $1.02B | $684.19M | $571.86M | $469.22M | $375.42M | $417.6M | $435.74M | $543.05M | $450.27M | $372.45M | |
| — | 58.07% | 57.55% | 58.08% | 64.37% | 84.79% | 63.13% | 48.68% | 48.24% | 51.5% | 56.01% | 66.77% | 67.06% | 58.83% | 56.35% | |
| $47.78M | $169.72M | $156.52M | $160.27M | $140.46M | $156.96M | $140.6M | $109.2M | $105.14M | $99.75M | $97.96M | $102.07M | $107.88M | $84.42M | $72.69M | |
| — | $7.3M | $8.1M | $8.4M | $8.1M | $6.9M | $1.8M | $1.1M | $1.1M | $1.8M | $1.1M | $500K | $45M | $100K | $300K | |
| $40.68M | $41.83M | $40.21M | $38.16M | $36.87M | $35.38M | $19.73M | $15.06M | $14.2M | $13.28M | $15.56M | $18.39M | $18.73M | $17.14M | $13.27M | |
| $1.16B | $1.09B | $944.69M | $807.79M | $733.57M | $611.2M | $326.4M | $323.65M | $293.67M | $259.23M | $296.13M | $311.36M | $328.04M | $307.68M | — | |
| $321.34M | — | — | — | — | — | — | — | — | — | — | — | $328.04M | $307.68M | $258.28M | |
| $774.63M | $739.43M | $584.76M | $422.14M | $383.99M | $413.06M | $357.8M | $248.21M | $175.55M | $116.19M | $121.48M | $124.39M | $215.01M | $142.6M | $114.18M | |
| — | 23.46% | 22% | 19.93% | 22.12% | 34.2% | 33.02% | 21.13% | 18.05% | 15.94% | 16.29% | 19.06% | 26.55% | 18.63% | 17.28% | |
| $815.31M | $781.26M | $624.97M | $460.29M | $420.86M | $448.44M | $377.53M | $263.27M | $189.75M | $129.47M | $137.04M | $142.78M | $233.74M | $159.74M | $127.45M | |
| $352.81M | $339.31M | $290.44M | $194.78M | $115.89M | $76.51M | $86.69M | $75.6M | $79.36M | — | — | — | $38.47M | $19.79M | $21M | |
| — | -$1.02M | -$5.69M | -$282K | -$1.32M | -$1.97M | -$827K | -$2.32M | — | — | — | — | — | — | — | |
| $1.74M | $1.56M | -$16.46M | $116K | $6.44M | $2.95M | $628K | — | — | — | — | $43.99M | — | — | — | |
| $422.87M | $401.03M | $271.1M | $227.25M | $272.57M | $337.16M | $435.42M | $170.07M | $68.87M | $19.67M | $57.44M | $70.52M | $176.5M | $121.63M | $92.84M | |
| $96.33M | $92.65M | $61.65M | $52.13M | $65.15M | $80.09M | $57.19M | $42.05M | $5.3M | $2.06M | $22.83M | $26.53M | $64.83M | $43.59M | $33.97M | |
| $326.54M | $308.39M | $209.45M | $175.12M | $207.42M | $256.3M | $377.84M | $36.61M | $70.1M | $29.24M | $34.6M | $43.99M | $111.67M | $78.04M | $58.87M | |
| — | 9.78% | 7.88% | 8.27% | 11.95% | 21.22% | 34.87% | 3.12% | 7.21% | 4.01% | 4.64% | 6.74% | 13.79% | 10.2% | 8.91% | |
| — | — | $209.45M | — | — | $773K | $85K | — | — | — | — | — | — | — | — | |
| $330.92M | $312.58M | $202.02M | $174.85M | $209.97M | $255.58M | $373.93M | $47.35M | $63.38M | $33.73M | $27.65M | $42.54M | $105.4M | $80.41M | — | |
| USD/shares | — | $12.25 | $7.78 | $5.71 | $6.42 | $7.05 | $11.85 | $1.09 | $2.06 | $0.87 | $1.04 | $1.33 | $3.38 | $2.36 | $1.78 |
| USD/shares | — | $11.52 | $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 |
| shares | — | 25.17M | 26.92M | 30.67M | 32.29M | 36.35M | 31.9M | 33.72M | 33.99M | 33.52M | 33.19M | 33.01M | 33M | 33M | 33M |
| shares | — | 26.78M | 28.2M | 31.92M | 33.48M | 37.74M | 32.3M | 34.4M | 35.18M | 34.13M | 33.46M | 33.03M | 33.01M | 33M | 33M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2014–FY2025: $1.03B in buybacks, $122.38M in dividends.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
EV/EBIT
—
P/E (TTM)
19.28×
Credit Services median 12.17×
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Geography (USD)
| Component | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|---|---|---|
| United States | $3,072,575,000 | $2,604,460,000 | $2,087,519,000 | $1,722,927,000 | $1,184,599,000 | $1,071,694,000 | $1,153,308,000 | $946,515,000 |
| Non Us | $79,078,000 | $53,340,000 | $30,120,000 | — | — | — | — | — |
| Other International Countries | — | — | — | $13,158,000 | $23,333,000 | $12,016,000 | $21,449,000 | $26,106,000 |