Enova International (ENVA) Financials

$126.83 +3.56 (+2.89%)

Closing price 09/18/2025 03:59 PM Eastern

Extended Trading

$127.10 +0.27 (+0.21%)

As of 09/18/2025 07:41 PM Eastern

Annual Income Statements for Enova International

This table shows Enova International's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	44	35	29	70	37	378	256	207	175	209
Consolidated Net Income / (Loss)	44	35	29	70	37	-284	256	207	175	209
Net Income / (Loss) Continuing Operations	44	35	18	64	256	378	257	207	175	209
Total Pre-Tax Income	71	57	20	69	170	435	337	273	227	271
Total Revenue	653	746	706	868	1,099	1,084	1,131	1,620	1,923	2,367
Net Interest Income / (Expense)	0.00	0.00	0.00	-79	-76	-87	-77	-116	-195	-290
Total Interest Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	0.00	0.00	0.00	79	76	87	77	116	195	290
Long-Term Debt Interest Expense	-	-	-	79	76	87	77	116	195	290
Total Non-Interest Income	653	746	706	948	1,175	-0.83	1,208	1,736	2,118	2,658
Other Non-Interest Income	653	746	729	973	1,175	-	1,208	1,736	2,118	2,658
Total Non-Interest Expense	581	690	687	797	927	141	795	1,352	1,696	2,073
Net Occupancy & Equipment Expense	-	85	70	78	84	-	148	174	195	224
Marketing Expense	117	97	77	96	115	-	271	383	414	524
Other Operating Expenses	372	492	527	609	712	141	341	759	1,048	1,285
Depreciation Expense	18	16	13	14	15	-	35	37	38	40
Nonoperating Income / (Expense), net	-0.99	1.56	0.38	-2.32	-2.54	0.51	0.60	4.47	-0.28	-23
Income Tax Expense	27	23	2.06	5.30	42	57	80	65	52	62
Basic Earnings per Share	$1.33	$1.04	$0.87	$2.06	$1.09	$11.85	$7.05	$6.42	$5.71	$7.78
Weighted Average Basic Shares Outstanding	33.01M	33.19M	33.52M	33.99M	33.72M	31.90M	36.35M	32.29M	30.67M	26.92M
Diluted Earnings per Share	$1.33	$1.03	$0.86	$1.99	$1.06	$11.70	$6.79	$6.19	$5.49	$7.43
Weighted Average Diluted Shares Outstanding	33.03M	33.46M	34.13M	35.18M	34.40M	32.30M	37.74M	33.48M	31.92M	28.20M
Weighted Average Basic & Diluted Shares Outstanding	33.10M	33.30M	33.60M	34M	32.46M	36.29M	33.46M	31.55M	28.18M	25.79M

This table shows Enova International's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	52	51	51	48	41	35	48	54	43	64	73
Consolidated Net Income / (Loss)	52	51	51	48	41	35	48	54	43	64	73
Net Income / (Loss) Continuing Operations	52	51	51	48	41	35	48	54	43	64	73
Total Pre-Tax Income	68	67	66	65	55	42	65	74	55	77	91
Total Revenue	425	449	440	454	503	526	544	557	613	653	665
Net Interest Income / (Expense)	-31	-38	-43	-46	-49	-57	-66	-71	-77	-77	-81
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	31	38	43	46	49	57	66	71	77	77	81
Long-Term Debt Interest Expense	31	38	43	46	49	57	66	71	77	77	81
Total Non-Interest Income	456	486	483	499	551	584	610	628	690	730	746
Other Non-Interest Income	456	486	483	499	551	584	610	628	690	730	746
Total Non-Interest Expense	358	381	374	388	448	486	479	483	536	574	574
Net Occupancy & Equipment Expense	46	45	49	47	52	47	54	55	57	58	62
Marketing Expense	101	97	80	96	117	122	111	121	141	151	139
Other Operating Expenses	199	231	235	236	269	308	304	298	328	355	362
Depreciation Expense	11	8.50	11	8.63	9.95	9.03	10	9.71	10	10	10
Nonoperating Income / (Expense), net	0.13	-0.60	-0.30	-1.24	0.15	1.11	-0.54	-0.54	-21	-0.81	-0.45
Income Tax Expense	16	16	15	17	14	6.86	16	20	12	14	18
Other Gains / (Losses), net	-0.13	-	-0.01	-	-0.01	-	0.00	0.00	-	-	0.12
Basic Earnings per Share	$1.62	$1.62	$1.62	$1.55	$1.35	$1.19	$1.72	$2.00	$1.64	$2.42	$2.84
Weighted Average Basic Shares Outstanding	31.91M	32.29M	31.34M	31.08M	30.60M	30.67M	28.20M	26.94M	26.42M	26.92M	25.68M
Diluted Earnings per Share	$1.57	$1.56	$1.56	$1.50	$1.29	$1.14	$1.64	$1.93	$1.57	$2.29	$2.69
Weighted Average Diluted Shares Outstanding	32.97M	33.48M	32.71M	32.20M	31.90M	31.92M	29.50M	27.94M	27.71M	28.20M	27.10M
Weighted Average Basic & Diluted Shares Outstanding	31.46M	31.55M	31.21M	30.79M	29.87M	28.18M	27.12M	26.40M	26.21M	25.79M	25.37M

This table details how cash moves in and out of Enova International's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-33	17	32	-21	3.71	288	-143	-47	199	-55
Net Cash From Operating Activities	284	393	447	685	849	741	472	894	1,167	1,539
Net Cash From Continuing Operating Activities	284	393	394	603	805	741	470	894	1,167	1,539
Net Income / (Loss) Continuing Operations	44	35	18	64	73	756	257	207	175	209
Consolidated Net Income / (Loss)	44	35	18	70	165	756	257	207	175	209
Depreciation Expense	18	16	13	14	15	20	35	37	38	40
Amortization Expense	3.37	6.91	7.20	6.20	6.00	13	6.22	5.70	10	16
Non-Cash Adjustments to Reconcile Net Income	226	321	371	519	584	89	210	653	913	1,287
Changes in Operating Assets and Liabilities, net	-7.44	15	-15	0.71	0.98	376	-38	-8.59	30	-14
Net Cash From Investing Activities	-372	-464	-525	-721	-941	84	-980	-1,666	-1,495	-1,911
Net Cash From Continuing Investing Activities	-372	-464	-467	-648	-871	84	-980	-1,666	-1,495	-1,911
Purchase of Investment Securities	-18	-	-	-1,453	0.00	80	-59	-44	-45	-43
Divestitures	-	-	-	-	-	0.00	1.93	8.71	0.00	0.00
Other Investing Activities, net	-323	-450	-454	820	-851	2.99	-923	-1,631	-1,449	-1,868
Net Cash From Financing Activities	57	100	105	22	95	-536	365	725	527	319
Net Cash From Continuing Financing Activities	57	100	105	22	95	-536	365	725	527	319
Issuance of Debt	63	338	640	927	660	253	849	967	1,833	2,970
Repayment of Debt	-5.00	-231	-516	-881	-531	-733	-377	-95	-1,136	-2,346
Repurchase of Common Equity	-0.19	-0.44	-5.08	-17	-34	-56	-117	-143	-153	-289
Other Financing Activities, Net	-1.60	-6.70	-15	-6.28	0.06	-0.20	9.23	-3.23	-17	-16
Effect of Exchange Rate Changes	-1.41	-12	4.72	-7.27	0.98	-0.24	0.03	-0.08	0.29	-1.03

This table details how cash moves in and out of Enova International's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-66	6.26	110	-27	-65	181	-149	42	-17	68	-11
Net Cash From Operating Activities	233	269	282	299	271	314	349	361	399	431	391
Net Cash From Continuing Operating Activities	233	278	282	299	271	314	349	361	399	431	391
Net Income / (Loss) Continuing Operations	52	51	51	48	41	35	48	54	43	64	73
Consolidated Net Income / (Loss)	52	51	51	48	41	35	48	54	43	64	73
Depreciation Expense	11	8.50	11	8.63	9.95	9.03	10	9.71	10	10	10
Amortization Expense	1.47	1.70	1.82	2.36	2.55	3.39	3.93	3.04	5.04	3.77	3.84
Non-Cash Adjustments to Reconcile Net Income	-240	631	23	-14	588	316	287	246	-388	1,142	21
Changes in Operating Assets and Liabilities, net	408	-414	196	254	-371	-49	-1.05	48	728	-789	284
Net Cash From Investing Activities	-474	-441	-205	-278	-445	-566	-443	-407	-482	-579	-510
Net Cash From Continuing Investing Activities	-474	-441	-205	-278	-445	-566	-443	-407	-482	-579	-510
Purchase of Investment Securities	-9.98	-10	-10	-10	-13	-12	-11	-11	-11	-10	-13
Other Investing Activities, net	-464	-431	-195	-268	-432	-554	-432	-396	-471	-569	-497
Net Cash From Financing Activities	199	179	34	-49	109	433	-54	89	67	217	107
Net Cash From Continuing Financing Activities	199	179	34	-49	109	433	-54	89	67	217	107
Issuance of Debt	223	236	338	293	495	706	400	918	856	796	897
Repayment of Debt	-5.07	-37	-282	-312	-347	-195	-306	-760	-755	-525	-701
Repurchase of Common Equity	-20	-19	-22	-28	-36	-67	-151	-63	-23	-51	-86
Other Financing Activities, Net	0.33	-0.29	-1.17	-1.52	-2.41	-12	3.40	-5.73	-11	-2.67	-2.52
Effect of Exchange Rate Changes	0.55	-0.59	-0.15	0.62	-0.26	0.08	0.08	-0.93	0.05	-0.24	0.31

This table presents Enova International's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	841	978	1,159	1,334	1,574	2,108	2,761	3,781	4,586	5,266
Cash and Due from Banks	42	40	69	28	36	297	165	100	54	74
Restricted Cash	7.38	26	29	22	45	72	60	78	323	249
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	-	-	-	780	-	-	-	0.00	0.00	0.00
Premises and Equipment, Net	48	47	49	46	55	79	78	93	109	120
Goodwill	267	267	267	267	267	268	279	279	279	279
Intangible Assets	6.54	5.40	4.33	3.26	2.19	26	35	27	19	11
Other Assets	469	592	741	188	1,170	1,365	2,142	3,203	3,801	4,533
Total Liabilities & Shareholders' Equity	841	978	1,159	1,334	1,574	2,108	2,761	3,781	4,586	5,266
Total Liabilities	635	736	878	987	1,198	1,189	1,668	2,595	3,345	4,069
Long-Term Debt	542	650	789	858	991	946	1,384	2,259	2,944	3,563
Other Long-Term Liabilities	21	15	12	47	84	119	128	336	402	506
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	206	242	282	348	377	919	1,093	1,186	1,240	1,197
Total Preferred & Common Equity	206	242	282	348	377	917	1,093	1,186	1,240	1,197
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	206	242	282	348	377	917	1,093	1,186	1,240	1,197
Common Stock	9.92	18	30	48	64	188	226	252	284	328
Retained Earnings	201	235	265	336	373	849	1,106	1,313	1,488	1,698
Treasury Stock	-0.19	-0.62	-5.70	-23	-57	-113	-230	-373	-526	-815
Accumulated Other Comprehensive Income / (Loss)	-4.62	-12	-7.09	-14	-3.07	-6.90	-8.54	-5.99	-6.26	-14

This table presents Enova International's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	3,509	3,847	3,908	4,103	4,637	4,817	4,976	5,457
Cash and Due from Banks	88	98	100	63	76	60	68	56
Restricted Cash	84	191	162	133	152	211	187	256
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Premises and Equipment, Net	89	95	99	104	112	115	118	125
Goodwill	279	279	279	279	279	279	279	279
Intangible Assets	29	25	23	21	17	15	13	8.94
Other Assets	2,939	3,159	3,245	3,503	4,000	4,136	4,311	4,732
Total Liabilities & Shareholders' Equity	3,509	3,847	3,908	4,103	4,637	4,817	4,976	5,457
Total Liabilities	2,363	2,626	2,659	2,842	3,486	3,670	3,797	4,261
Other Short-Term Payables	169	178	229	275	291	334	260	237
Long-Term Debt	2,060	2,314	2,297	2,443	3,041	3,194	3,294	3,757
Other Long-Term Liabilities	135	134	132	124	155	141	244	266
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,146	1,221	1,249	1,261	1,150	1,148	1,179	1,197
Total Preferred & Common Equity	1,146	1,221	1,249	1,261	1,150	1,148	1,179	1,197
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,146	1,221	1,249	1,261	1,150	1,148	1,179	1,197
Common Stock	245	259	266	274	298	308	318	338
Retained Earnings	1,262	1,364	1,412	1,454	1,537	1,591	1,634	1,771
Treasury Stock	-354	-395	-423	-459	-677	-741	-764	-901
Accumulated Other Comprehensive Income / (Loss)	-7.26	-7.34	-5.99	-7.20	-7.23	-11	-9.42	-11

This table displays calculated financial ratios and metrics derived from Enova International's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-19.42%	14.25%	-5.31%	22.98%	26.59%	-1.41%	4.40%	43.20%	18.68%	23.11%
EBITDA Growth	-52.71%	-15.99%	-49.24%	130.32%	111.44%	403.74%	-61.24%	-17.85%	-11.26%	27.07%
EBIT Growth	-59.50%	-21.86%	-65.48%	269.06%	142.45%	446.39%	-64.31%	-20.34%	-15.18%	29.42%
NOPAT Growth	-60.06%	-24.54%	-48.69%	280.43%	97.72%	190.77%	-32.07%	-20.49%	-14.06%	29.68%
Net Income Growth	-60.61%	-21.34%	-15.50%	139.73%	-47.77%	-876.16%	190.19%	-19.07%	-15.57%	19.60%
EPS Growth	-60.65%	-22.56%	-16.50%	131.40%	-46.73%	1,003.77%	-41.97%	-8.84%	-11.31%	35.34%
Operating Cash Flow Growth	-33.96%	38.55%	13.68%	53.15%	23.92%	-12.70%	-36.31%	89.46%	30.52%	31.86%
Free Cash Flow Firm Growth	-190.77%	-99.75%	-46.58%	56.77%	53.88%	-272.13%	-196.99%	-114.69%	26.13%	38.10%
Invested Capital Growth	15.38%	19.22%	20.03%	12.66%	13.44%	36.37%	32.82%	39.05%	21.46%	13.78%
Revenue Q/Q Growth	-3.56%	3.76%	-10.35%	-4.08%	20.63%	4.96%	1.92%	6.86%	4.22%	5.63%
EBITDA Q/Q Growth	-23.89%	11.28%	-42.37%	24.79%	24.66%	302.82%	-65.12%	0.87%	-8.35%	12.68%
EBIT Q/Q Growth	-28.55%	15.67%	-60.37%	37.06%	27.39%	327.87%	-67.63%	2.31%	-10.73%	14.77%
NOPAT Q/Q Growth	-28.89%	17.48%	-44.71%	10.93%	28.88%	111.18%	-41.45%	1.35%	-9.03%	15.53%
Net Income Q/Q Growth	-29.40%	15.08%	-5.89%	2.62%	-61.80%	-394.17%	214.94%	1.42%	-8.42%	16.02%
EPS Q/Q Growth	-29.26%	13.19%	-5.49%	1.53%	-61.59%	247.18%	-45.02%	4.38%	-7.11%	18.31%
Operating Cash Flow Q/Q Growth	2.25%	3.77%	10.70%	13.38%	3.17%	-14.45%	6.57%	15.87%	4.03%	8.17%
Free Cash Flow Firm Q/Q Growth	0.00%	30.12%	-14.68%	65.86%	-133.22%	-342.17%	-6.39%	3.97%	-84.70%	38.96%
Invested Capital Q/Q Growth	9.65%	2.69%	2.89%	-7.52%	4.59%	29.79%	12.12%	7.46%	12.96%	6.44%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	14.29%	10.51%	5.63%	10.55%	17.62%	90.02%	33.42%	19.17%	14.34%	14.80%
EBIT Margin	10.96%	7.49%	2.73%	8.20%	15.70%	87.03%	29.75%	16.55%	11.83%	12.43%
Profit (Net Income) Margin	6.74%	4.64%	4.14%	8.07%	3.33%	-26.22%	22.65%	12.80%	9.11%	8.85%
Tax Burden Percent	62.38%	60.24%	148.65%	101.78%	21.53%	-65.26%	76.02%	76.10%	77.06%	77.26%
Interest Burden Percent	98.62%	102.80%	101.98%	96.74%	98.53%	46.17%	100.18%	101.67%	99.93%	92.11%
Effective Tax Rate	37.62%	39.76%	10.46%	7.70%	24.73%	13.13%	23.75%	23.90%	22.94%	22.74%
Return on Invested Capital (ROIC)	6.39%	4.11%	1.76%	5.77%	10.10%	23.37%	11.82%	6.89%	4.60%	5.08%
ROIC Less NNEP Spread (ROIC-NNEP)	6.27%	4.26%	3.42%	6.31%	0.00%	-44.96%	11.79%	7.08%	4.59%	4.53%
Return on Net Nonoperating Assets (RNNOA)	18.05%	11.35%	9.41%	16.50%	0.01%	-67.24%	13.66%	11.31%	9.84%	12.10%
Return on Equity (ROE)	24.44%	15.46%	11.17%	22.27%	10.11%	-43.87%	25.48%	18.20%	14.44%	17.19%
Cash Return on Invested Capital (CROIC)	-7.89%	-13.43%	-16.45%	-6.13%	-2.50%	-7.41%	-16.37%	-25.78%	-14.78%	-7.80%
Operating Return on Assets (OROA)	8.93%	6.15%	1.81%	5.71%	11.87%	51.22%	13.82%	8.20%	5.44%	5.97%
Return on Assets (ROA)	5.50%	3.81%	2.74%	5.62%	2.52%	-15.43%	10.53%	6.34%	4.19%	4.25%
Return on Common Equity (ROCE)	24.44%	15.46%	11.17%	22.27%	10.11%	-43.82%	25.46%	18.20%	14.44%	17.19%
Return on Equity Simple (ROE_SIMPLE)	21.36%	14.32%	10.38%	20.16%	9.72%	-30.98%	23.45%	17.49%	14.12%	17.50%
Net Operating Profit after Tax (NOPAT)	45	34	17	66	130	378	257	204	175	227
NOPAT Margin	6.84%	4.51%	2.45%	7.57%	11.82%	34.86%	22.68%	12.59%	9.12%	9.60%
Net Nonoperating Expense Percent (NNEP)	0.12%	-0.16%	-1.66%	-0.53%	10.09%	68.33%	0.03%	-0.19%	0.01%	0.55%
SG&A Expenses to Revenue	17.91%	24.49%	20.71%	20.08%	18.14%	0.00%	37.02%	34.33%	31.69%	31.59%
Operating Expenses to Revenue	89.04%	92.51%	97.27%	91.80%	84.30%	12.97%	70.25%	83.45%	88.17%	87.57%
Earnings before Interest and Taxes (EBIT)	72	56	19	71	173	943	337	268	227	294
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	93	78	40	92	194	976	378	311	276	350
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.06	1.72	1.81	1.92	2.16	0.96	1.36	1.02	1.33	2.10
Price to Tangible Book Value (P/TBV)	0.00	0.00	49.16	8.61	7.56	1.42	1.92	1.37	1.76	2.77
Price to Revenue (P/Rev)	0.33	0.56	0.72	0.77	0.74	0.82	1.32	0.75	0.86	1.06
Price to Earnings (P/E)	4.96	12.05	17.40	9.52	22.19	2.34	5.84	5.82	9.44	12.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	20.17%	8.30%	5.75%	10.51%	4.51%	42.77%	17.13%	17.18%	10.59%	8.34%
Enterprise Value to Invested Capital (EV/IC)	0.95	1.12	1.12	1.22	1.26	0.78	1.07	0.95	1.01	1.21
Enterprise Value to Revenue (EV/Rev)	1.09	1.34	1.70	1.70	1.57	1.35	2.34	2.03	2.19	2.43
Enterprise Value to EBITDA (EV/EBITDA)	7.62	12.77	30.15	16.10	8.90	1.50	7.01	10.58	15.31	16.42
Enterprise Value to EBIT (EV/EBIT)	9.94	17.91	62.16	20.71	9.98	1.55	7.87	12.26	18.56	19.55
Enterprise Value to NOPAT (EV/NOPAT)	15.93	29.72	69.42	22.44	13.26	3.87	10.33	16.11	24.07	25.30
Enterprise Value to Operating Cash Flow (EV/OCF)	2.50	2.54	2.68	2.15	2.03	1.97	5.62	3.68	3.62	3.74
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.63	2.69	2.80	2.47	2.63	1.03	1.27	1.90	2.37	2.98
Long-Term Debt to Equity	2.63	2.69	2.80	2.47	2.63	1.03	1.27	1.90	2.37	2.98
Financial Leverage	2.88	2.66	2.75	2.62	2.55	1.50	1.16	1.60	2.14	2.67
Leverage Ratio	4.45	4.06	4.08	3.96	4.02	2.84	2.42	2.87	3.45	4.04
Compound Leverage Factor	4.39	4.18	4.16	3.83	3.96	1.31	2.42	2.92	3.45	3.72
Debt to Total Capital	72.46%	72.89%	73.68%	71.16%	72.47%	50.74%	55.88%	65.57%	70.36%	74.86%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	72.46%	72.89%	73.68%	71.16%	72.47%	50.74%	55.88%	65.57%	70.36%	74.86%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.08%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	27.54%	27.11%	26.32%	28.84%	27.53%	49.18%	44.12%	34.43%	29.64%	25.14%
Debt to EBITDA	5.81	8.29	19.83	9.37	5.12	0.97	3.66	7.27	10.68	10.17
Net Debt to EBITDA	5.28	7.45	17.36	8.82	4.70	0.59	3.06	6.70	9.31	9.25
Long-Term Debt to EBITDA	5.81	8.29	19.83	9.37	5.12	0.97	3.66	7.27	10.68	10.17
Debt to NOPAT	12.15	19.31	45.65	13.06	7.63	2.51	5.40	11.07	16.79	15.67
Net Debt to NOPAT	11.04	17.34	39.97	12.29	7.01	1.53	4.51	10.20	14.64	14.25
Long-Term Debt to NOPAT	12.15	19.31	45.65	13.06	7.63	2.51	5.40	11.07	16.79	15.67
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.11%	0.07%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-55	-110	-161	-70	-32	-120	-356	-763	-564	-349
Operating Cash Flow to CapEx	880.62%	2,732.52%	2,936.71%	4,672.76%	4,230.08%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	-0.88	-0.43	-1.38	-4.65	-6.59	-2.89	-1.20
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	8.63	11.22	8.55	6.17	7.71	5.99	5.30
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	8.44	10.96	8.55	6.17	7.71	5.99	5.30
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.82	0.82	0.66	0.70	0.76	0.59	0.46	0.50	0.46	0.48
Fixed Asset Turnover	15.91	15.67	14.77	18.36	21.85	16.18	14.34	18.88	19.05	20.71
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	748	892	1,070	1,206	1,368	1,865	2,477	3,445	4,184	4,760
Invested Capital Turnover	0.93	0.91	0.72	0.76	0.85	0.67	0.52	0.55	0.50	0.53
Increase / (Decrease) in Invested Capital	100	144	179	135	162	498	612	967	739	576
Enterprise Value (EV)	711	1,001	1,199	1,475	1,723	1,462	2,650	3,287	4,220	5,753
Market Capitalization	218	417	509	667	813	883	1,492	1,207	1,654	2,513
Book Value per Share	$6.24	$7.28	$8.42	$10.15	$11.15	$25.72	$30.01	$37.70	$41.52	$45.67
Tangible Book Value per Share	($2.05)	($0.92)	$0.31	$2.26	$3.18	$17.48	$21.37	$27.96	$31.53	$34.60
Total Capital	748	892	1,070	1,206	1,368	1,865	2,477	3,445	4,184	4,760
Total Debt	542	650	789	858	991	946	1,384	2,259	2,944	3,563
Total Long-Term Debt	542	650	789	858	991	946	1,384	2,259	2,944	3,563
Net Debt	492	584	690	808	910	577	1,159	2,080	2,566	3,241
Capital Expenditures (CapEx)	32	14	15	15	20	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.61	-0.94	-12	-4.39	93	662	0.31	-3.40	0.22	18
Net Nonoperating Obligations (NNO)	542	650	789	858	991	946	1,384	2,259	2,944	3,563
Total Depreciation and Amortization (D&A)	22	22	20	20	21	32	42	43	48	56
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.33	$1.04	$0.87	$2.06	$1.09	$11.85	$7.05	$6.42	$5.71	$7.78
Adjusted Weighted Average Basic Shares Outstanding	33.01M	33.19M	33.52M	33.99M	33.72M	31.90M	36.35M	32.29M	30.67M	26.92M
Adjusted Diluted Earnings per Share	$1.33	$1.03	$0.86	$1.99	$1.06	$11.70	$6.79	$6.19	$5.49	$7.43
Adjusted Weighted Average Diluted Shares Outstanding	33.03M	33.46M	34.13M	35.18M	34.40M	32.30M	37.74M	33.48M	31.92M	28.20M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$1.09	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	33.15M	33.29M	33.65M	33.49M	32.46M	36.29M	33.46M	31.55M	28.18M	25.79M
Normalized Net Operating Profit after Tax (NOPAT)	91	34	17	66	130	378	257	204	175	227
Normalized NOPAT Margin	13.91%	4.51%	2.45%	7.57%	11.82%	34.86%	22.68%	12.59%	9.12%	9.60%
Pre Tax Income Margin	10.81%	7.70%	2.79%	7.93%	15.47%	40.18%	29.80%	16.82%	11.82%	11.45%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.90	2.28	10.88	4.40	2.31	1.17	1.01
NOPAT to Interest Expense	0.00	0.00	0.00	0.83	1.72	4.36	3.35	1.76	0.90	0.78
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.71	2.02	10.88	4.40	2.31	1.17	1.01
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.64	1.45	4.36	3.35	1.76	0.90	0.78
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.43%	1.26%	17.37%	24.70%	92.25%	-19.85%	45.52%	68.97%	87.47%	138.12%

This table displays calculated financial ratios and metrics derived from Enova International's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	40.82%	30.19%	21.11%	18.49%	18.20%	17.34%	23.72%	22.83%	21.95%	23.96%	22.18%
EBITDA Growth	1.85%	3.56%	-0.77%	4.75%	-15.88%	-32.22%	1.38%	12.80%	35.99%	74.54%	32.59%
EBIT Growth	-0.69%	9.82%	-3.39%	2.29%	-18.53%	-40.36%	-1.14%	12.26%	39.49%	93.64%	40.13%
NOPAT Growth	0.22%	5.51%	-2.90%	1.26%	-20.22%	-34.07%	-4.55%	10.68%	45.98%	90.18%	50.12%
Net Income Growth	-0.19%	6.06%	-2.90%	-8.12%	-20.16%	-31.66%	-4.90%	11.98%	5.16%	83.20%	50.63%
EPS Growth	15.44%	20.00%	4.00%	-3.85%	-17.83%	-26.92%	5.13%	28.67%	21.71%	100.88%	64.02%
Operating Cash Flow Growth	121.13%	83.45%	83.68%	25.43%	16.57%	16.78%	23.60%	20.59%	46.94%	36.98%	12.22%
Free Cash Flow Firm Growth	-31.01%	-62.56%	15.75%	29.41%	51.63%	23.00%	14.40%	-35.08%	-55.09%	27.40%	-13.59%
Invested Capital Growth	45.08%	39.05%	27.41%	20.27%	15.53%	21.46%	18.56%	22.43%	20.75%	13.78%	18.20%
Revenue Q/Q Growth	11.03%	5.49%	-1.94%	3.16%	10.76%	4.72%	3.40%	2.42%	9.96%	6.45%	1.91%
EBITDA Q/Q Growth	9.28%	-3.00%	0.50%	-1.67%	-12.24%	-21.85%	50.49%	9.41%	5.80%	0.30%	14.19%
EBIT Q/Q Growth	4.73%	0.19%	-2.62%	0.10%	-16.58%	-26.66%	61.65%	13.66%	3.66%	1.82%	16.82%
NOPAT Q/Q Growth	6.50%	-0.53%	-0.33%	-4.09%	-16.09%	-17.80%	44.50%	11.21%	10.67%	7.09%	13.90%
Net Income Q/Q Growth	-1.32%	-1.62%	0.10%	-5.46%	-14.25%	-15.79%	39.29%	11.32%	-19.47%	46.72%	14.52%
EPS Q/Q Growth	0.64%	-0.64%	0.00%	-3.85%	-14.00%	-11.63%	43.86%	17.68%	-18.65%	45.86%	17.47%
Operating Cash Flow Q/Q Growth	-2.49%	15.67%	4.78%	6.14%	-9.38%	15.87%	10.91%	3.55%	10.42%	8.02%	-9.15%
Free Cash Flow Firm Q/Q Growth	-21.56%	3.02%	22.57%	22.66%	16.72%	-54.40%	13.93%	-22.05%	4.38%	27.73%	-34.68%
Invested Capital Q/Q Growth	8.72%	7.46%	2.62%	0.32%	4.44%	12.96%	0.17%	3.59%	3.01%	6.44%	4.07%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	18.89%	17.37%	17.80%	16.97%	13.44%	10.03%	14.59%	15.58%	14.99%	14.12%	15.83%
EBIT Margin	15.89%	15.09%	14.99%	14.55%	10.95%	7.67%	11.98%	13.29%	12.53%	11.98%	13.74%
Profit (Net Income) Margin	12.16%	11.34%	11.58%	10.61%	8.21%	6.60%	8.90%	9.67%	7.08%	9.76%	10.97%
Tax Burden Percent	76.50%	76.02%	77.58%	74.33%	74.78%	83.52%	74.90%	73.29%	78.24%	82.30%	80.13%
Interest Burden Percent	100.01%	98.82%	99.53%	98.12%	100.26%	103.07%	99.17%	99.27%	72.24%	98.96%	99.64%
Effective Tax Rate	23.50%	23.98%	22.42%	25.67%	25.22%	16.48%	25.10%	26.71%	21.76%	17.70%	19.87%
Return on Invested Capital (ROIC)	6.79%	6.26%	6.25%	5.88%	4.37%	3.24%	4.71%	5.26%	5.37%	5.22%	6.00%
ROIC Less NNEP Spread (ROIC-NNEP)	6.80%	6.24%	6.24%	5.84%	4.38%	3.28%	4.69%	5.25%	4.79%	5.20%	5.99%
Return on Net Nonoperating Assets (RNNOA)	9.35%	9.97%	10.89%	10.25%	8.19%	7.03%	10.60%	12.02%	11.27%	13.89%	17.34%
Return on Equity (ROE)	16.14%	16.23%	17.15%	16.14%	12.56%	10.27%	15.31%	17.29%	16.64%	19.11%	23.34%
Cash Return on Invested Capital (CROIC)	-29.36%	-25.78%	-17.68%	-12.15%	-8.84%	-14.78%	-12.50%	-15.65%	-13.99%	-7.80%	-11.17%
Operating Return on Assets (OROA)	8.06%	7.48%	7.38%	7.18%	5.31%	3.53%	5.72%	6.49%	6.19%	5.76%	6.77%
Return on Assets (ROA)	6.17%	5.62%	5.70%	5.24%	3.98%	3.04%	4.25%	4.72%	3.50%	4.69%	5.41%
Return on Common Equity (ROCE)	16.14%	16.23%	17.15%	16.14%	12.56%	10.27%	15.31%	17.29%	16.64%	19.11%	23.34%
Return on Equity Simple (ROE_SIMPLE)	17.84%	0.00%	16.87%	16.14%	15.16%	0.00%	15.01%	15.55%	15.32%	0.00%	19.55%
Net Operating Profit after Tax (NOPAT)	52	51	51	49	41	34	49	54	60	64	73
NOPAT Margin	12.13%	11.44%	11.63%	10.81%	8.19%	6.43%	8.97%	9.74%	9.80%	9.86%	11.02%
Net Nonoperating Expense Percent (NNEP)	-0.01%	0.03%	0.01%	0.04%	-0.01%	-0.04%	0.02%	0.01%	0.58%	0.02%	0.01%
SG&A Expenses to Revenue	34.62%	31.49%	29.31%	31.49%	33.46%	32.16%	30.30%	31.52%	32.25%	32.12%	30.34%
Operating Expenses to Revenue	84.11%	84.91%	85.01%	85.46%	89.05%	92.33%	88.02%	86.71%	87.47%	88.02%	86.26%
Earnings before Interest and Taxes (EBIT)	68	68	66	66	55	40	65	74	77	78	91
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	80	78	78	77	68	53	79	87	92	92	105
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.82	1.02	1.15	1.33	1.24	1.33	1.63	1.47	1.88	2.10	2.08
Price to Tangible Book Value (P/TBV)	1.12	1.37	1.53	1.75	1.63	1.76	2.20	1.98	2.50	2.77	2.74
Price to Revenue (P/Rev)	0.62	0.75	0.83	0.94	0.85	0.86	0.93	0.79	0.99	1.06	1.00
Price to Earnings (P/E)	4.58	5.82	6.81	8.22	8.19	9.44	10.87	9.46	12.25	12.00	10.65
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	21.82%	17.18%	14.69%	12.16%	12.21%	10.59%	9.20%	10.57%	8.16%	8.34%	9.39%
Enterprise Value to Invested Capital (EV/IC)	0.88	0.95	0.97	1.04	1.03	1.01	1.12	1.06	1.17	1.21	1.20
Enterprise Value to Revenue (EV/Rev)	1.86	2.03	2.02	2.09	2.07	2.19	2.31	2.16	2.34	2.43	2.39
Enterprise Value to EBITDA (EV/EBITDA)	9.17	10.58	11.06	11.78	12.67	15.31	16.94	16.09	16.89	16.42	15.78
Enterprise Value to EBIT (EV/EBIT)	10.78	12.26	12.90	13.82	14.97	18.56	20.69	19.65	20.48	19.55	18.52
Enterprise Value to NOPAT (EV/NOPAT)	14.03	16.11	16.93	18.18	19.78	24.07	27.11	25.87	26.68	25.30	23.54
Enterprise Value to Operating Cash Flow (EV/OCF)	3.66	3.68	3.35	3.41	3.40	3.62	3.80	3.56	3.69	3.74	3.75
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.80	1.90	1.90	1.84	1.94	2.37	2.64	2.78	2.79	2.98	3.14
Long-Term Debt to Equity	1.80	1.90	1.90	1.84	1.94	2.37	2.64	2.78	2.79	2.98	3.14
Financial Leverage	1.37	1.60	1.75	1.76	1.87	2.14	2.26	2.29	2.35	2.67	2.90
Leverage Ratio	2.62	2.87	3.00	3.04	3.16	3.45	3.58	3.64	3.72	4.04	4.30
Compound Leverage Factor	2.62	2.84	2.99	2.98	3.17	3.55	3.55	3.61	2.69	4.00	4.29
Debt to Total Capital	64.25%	65.57%	65.47%	64.77%	65.95%	70.36%	72.56%	73.57%	73.65%	74.86%	75.84%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	64.25%	65.57%	65.47%	64.77%	65.95%	70.36%	72.56%	73.57%	73.65%	74.86%	75.84%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	35.75%	34.43%	34.53%	35.23%	34.05%	29.64%	27.44%	26.43%	26.35%	25.14%	24.16%
Debt to EBITDA	6.69	7.27	7.46	7.33	8.12	10.68	10.99	11.15	10.59	10.17	9.99
Net Debt to EBITDA	6.13	6.70	6.53	6.49	7.47	9.31	10.16	10.20	9.78	9.25	9.16
Long-Term Debt to EBITDA	6.69	7.27	7.46	7.33	8.12	10.68	10.99	11.15	10.59	10.17	9.99
Debt to NOPAT	10.23	11.07	11.43	11.31	12.67	16.79	17.58	17.92	16.74	15.67	14.90
Net Debt to NOPAT	9.38	10.20	10.01	10.02	11.66	14.64	16.26	16.40	15.44	14.25	13.66
Long-Term Debt to NOPAT	10.23	11.07	11.43	11.31	12.67	16.79	17.58	17.92	16.74	15.67	14.90
Noncontrolling Interest Sharing Ratio	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-945	-916	-709	-549	-457	-705	-607	-741	-709	-512	-690
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-30.54	-24.41	-16.37	-12.03	-9.39	-12.33	-9.26	-10.44	-9.21	-6.65	-8.56
Operating Cash Flow to Interest Expense	7.52	7.17	6.51	6.57	5.57	5.49	5.31	5.09	5.18	5.59	4.86
Operating Cash Flow Less CapEx to Interest Expense	7.52	7.17	6.51	6.57	5.57	5.49	5.31	5.09	5.18	5.59	4.86
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.51	0.50	0.49	0.49	0.48	0.46	0.48	0.49	0.49	0.48	0.49
Fixed Asset Turnover	17.78	18.88	19.23	18.83	19.09	19.05	19.58	19.90	20.20	20.71	21.04
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,206	3,445	3,535	3,546	3,704	4,184	4,191	4,342	4,472	4,760	4,954
Invested Capital Turnover	0.56	0.55	0.54	0.54	0.53	0.50	0.52	0.54	0.55	0.53	0.54
Increase / (Decrease) in Invested Capital	996	967	760	598	498	739	656	795	769	576	763
Enterprise Value (EV)	2,824	3,287	3,428	3,693	3,813	4,220	4,689	4,611	5,251	5,753	5,936
Market Capitalization	937	1,207	1,402	1,658	1,566	1,654	1,877	1,688	2,212	2,513	2,491
Book Value per Share	$35.81	$37.70	$38.69	$40.03	$40.96	$41.52	$40.79	$42.31	$44.65	$45.67	$46.39
Tangible Book Value per Share	$26.16	$27.96	$29.05	$30.34	$31.21	$31.53	$30.29	$31.46	$33.58	$34.60	$35.22
Total Capital	3,206	3,445	3,535	3,546	3,704	4,184	4,191	4,342	4,472	4,760	4,954
Total Debt	2,060	2,259	2,314	2,297	2,443	2,944	3,041	3,194	3,294	3,563	3,757
Total Long-Term Debt	2,060	2,259	2,314	2,297	2,443	2,944	3,041	3,194	3,294	3,563	3,757
Net Debt	1,887	2,080	2,026	2,035	2,246	2,566	2,812	2,923	3,039	3,241	3,445
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	-0.10	0.46	0.24	0.92	-0.12	-0.93	0.40	0.40	17	0.67	0.36
Net Nonoperating Obligations (NNO)	2,060	2,259	2,314	2,297	2,443	2,944	3,041	3,194	3,294	3,563	3,757
Total Depreciation and Amortization (D&A)	13	10	12	11	13	12	14	13	15	14	14
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.62	$1.62	$1.62	$1.55	$1.35	$1.19	$1.72	$2.00	$1.64	$2.42	$2.84
Adjusted Weighted Average Basic Shares Outstanding	31.91M	32.29M	31.34M	31.08M	30.60M	30.67M	28.20M	26.94M	26.42M	26.92M	25.68M
Adjusted Diluted Earnings per Share	$1.57	$1.56	$1.56	$1.50	$1.29	$1.14	$1.64	$1.93	$1.57	$2.29	$2.69
Adjusted Weighted Average Diluted Shares Outstanding	32.97M	33.48M	32.71M	32.20M	31.90M	31.92M	29.50M	27.94M	27.71M	28.20M	27.10M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	31.46M	31.55M	31.21M	30.79M	29.87M	28.18M	27.12M	26.40M	26.21M	25.79M	25.37M
Normalized Net Operating Profit after Tax (NOPAT)	52	51	51	49	41	34	49	54	60	64	73
Normalized NOPAT Margin	12.13%	11.44%	11.63%	10.81%	8.19%	6.43%	8.97%	9.74%	9.80%	9.86%	11.02%
Pre Tax Income Margin	15.89%	14.92%	14.92%	14.27%	10.98%	7.91%	11.88%	13.20%	9.05%	11.86%	13.69%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.19	1.80	1.52	1.45	1.13	0.71	0.99	1.04	1.00	1.02	1.13
NOPAT to Interest Expense	1.67	1.37	1.18	1.08	0.85	0.59	0.74	0.77	0.78	0.84	0.91
EBIT Less CapEx to Interest Expense	2.19	1.80	1.52	1.45	1.13	0.71	0.99	1.04	1.00	1.02	1.13
NOPAT Less CapEx to Interest Expense	1.67	1.37	1.18	1.08	0.85	0.59	0.74	0.77	0.78	0.84	0.91
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	108.00%	68.97%	41.87%	44.02%	55.14%	87.47%	163.74%	178.18%	168.85%	138.12%	95.51%

Financials Breakdown Chart

Key Financial Trends

Enova International (NYSE: ENVA) has shown several notable financial trends over the last four years through its quarterly reports ending in Q1 2025. Here's a summary analysis highlighting key developments and patterns from their income statements, cash flow statements, and balance sheets.

Net income has consistently grown over the recent years, reaching $72.9 million in Q1 2025, up from $50.9 million in Q1 2023 and $34.7 million in Q4 2023, indicating improving profitability.
Total revenue has increased sequentially from $439.9 million in Q1 2023 to $665.0 million in Q1 2025, driven mainly by other non-interest income which has also grown significantly.
Operating cash flow remains strong, with $391.1 million generated in Q1 2025, supported by positive changes in operating assets and liabilities, suggesting solid operational efficiency.
The company has steadily increased its total assets from approximately $3.85 billion in Q1 2023 to $5.46 billion in Q1 2025, reflecting growth and potential expansion.
Long-term debt has increased from about $2.31 billion in Q1 2023 to $3.76 billion by Q1 2025, providing financial resources to support expansion and operations.
Despite rising long-term debt, interest expense has increased proportionally; for instance, Q1 2025 interest expense was $80.5 million, up from $43.3 million in Q1 2023. This suggests increased financing costs but manageable in context of growth.
Marketing expense remains significant but relatively stable, growing from about $79.8 million in Q1 2023 to $139.3 million in Q1 2025, aligned with the company’s revenue growth strategy.
Treasury stock value has increased its negative balance, reaching approximately -$900.9 million in Q1 2025 up from -$394.8 million in Q1 2023, indicating consistent share repurchase activity which may pressure liquidity.
Net change in cash and equivalents was negative in the most recent quarter (Q1 2025: -$10.8 million), following previous fluctuations, pointing to potential short-term liquidity pressures despite strong cash from operations.
Other operating expenses and occupancy & equipment expenses have increased (e.g., $361.8 million and $62.5 million respectively in Q1 2025), which may constrain margins if not controlled alongside revenue growth.

Summary: Enova International has demonstrated robust revenue and earnings growth over the last few years, supported by strong operational cash flow and asset expansion. The increase in long-term debt and associated interest expense appears to be strategically used to finance growth initiatives. However, rising operating expenses and heavy share repurchases could pose challenges. Investors should monitor the company’s ability to sustain profitability while managing liquidity and expense growth.

09/19/25 01:08 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Enova International's Financials

When does Enova International's financial year end?

According to the most recent income statement we have on file, Enova International's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Enova International's net income changed over the last 9 years?

Enova International's net income appears to be on an upward trend, with a most recent value of $209.45 million in 2024, rising from $43.99 million in 2015. The previous period was $175.12 million in 2023. Check out Enova International's forecast to explore projected trends and price targets.

How has Enova International's revenue changed over the last 9 years?

Over the last 9 years, Enova International's total revenue changed from $652.60 million in 2015 to $2.37 billion in 2024, a change of 262.8%.

How much debt does Enova International have?

Enova International's total liabilities were at $4.07 billion at the end of 2024, a 21.6% increase from 2023, and a 541.3% increase since 2015.

How much cash does Enova International have?

In the past 9 years, Enova International's cash and equivalents has ranged from $28.11 million in 2018 to $297.27 million in 2020, and is currently $73.91 million as of their latest financial filing in 2024.

How has Enova International's book value per share changed over the last 9 years?

Over the last 9 years, Enova International's book value per share changed from 6.24 in 2015 to 45.67 in 2024, a change of 631.8%.

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This page (NYSE:ENVA) was last updated on 9/19/2025 by MarketBeat.com Staff

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Enova International (ENVA) Financials

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Enova International (ENVA) Financials

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Quarterly Metrics And Ratios for Enova International

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