Enova International financials
$167.92−1.24%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $684.2M | $1.17B | $972.6M | $728.9M | $745.6M |
| Gross profit | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $684.2M | $571.9M | $469.2M | $375.4M | $417.6M |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 48.7% | 48.2% | 51.5% | 56.0% |
| Operating income | $739.4M | $584.8M | $422.1M | $384.0M | $413.1M | $357.8M | $248.2M | $175.5M | $116.2M | $121.5M |
| Net income | $308.4M | $209.4M | $175.1M | $207.4M | $256.3M | $377.8M | $36.6M | $70.1M | $29.2M | $34.6M |
| Net margin | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 55.2% | 3.1% | 7.2% | 4.0% | 4.6% |
| Diluted EPS | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $1.06 | $1.99 | $0.86 | $1.03 |
| EBITDA | $781.3M | $625.0M | $460.3M | $420.9M | $448.4M | $377.5M | $263.3M | $189.7M | $129.5M | $137.0M |
| Operating cash flow | $1.82B | $1.54B | $1.17B | $894.0M | $471.9M | $740.9M | $848.6M | $684.8M | $447.2M | $393.4M |
| Free cash flow | $1.77B | $1.50B | $1.12B | $850.4M | $442.2M | $711.4M | $828.6M | $670.2M | $431.9M | $379.0M |
| Diluted shares | 26.8M | 28.2M | 31.9M | 33.5M | 37.7M | 32.3M | 34.4M | 35.2M | 34.1M | 33.5M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $71.7M | $73.9M | $54.4M | $100.2M | $165.5M | $297.3M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $4.50B | $3.56B | $2.94B | $2.26B | $1.38B | $946.5M |
| Total assets | $6.47B | $5.27B | $4.59B | $3.78B | $2.76B | $2.11B |
| Total liabilities | $5.13B | $4.07B | $3.35B | $2.59B | $1.67B | $1.19B |
| Shareholders' equity | $1.34B | $1.20B | $1.24B | $1.19B | $1.09B | $918.8M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology