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Enova International (ENVA) Financials

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$170.20 +1.38 (+0.82%)
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Annual Income Statements for Enova International

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 2025
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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 44 35 29 70 37 378 256 207 175 209 308
Consolidated Net Income / (Loss)		 44 35 29 70 37 -284 256 207 175 209 308
Net Income / (Loss) Continuing Operations		 44 35 18 64 256 378 257 207 175 209 310
Total Pre-Tax Income 		71 57 20 69 170 435 337 273 227 271 401
Total Revenue		 653 746 706 868 1,099 1,084 1,131 1,620 1,923 2,367 2,812
Net Interest Income / (Expense)		 0.00 0.00 0.00 -79 -76 -87 -77 -116 -195 -290 -339
Total Interest Income		 0.00 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 77 116 195 290 339
Long-Term Debt Interest Expense		 - - - 79 76 87 77 116 195 290 339
Total Non-Interest Income		 653 746 706 948 1,175 -0.83 1,208 1,736 2,118 2,658 3,152
Other Non-Interest Income		 653 746 729 973 1,175 - 1,208 1,736 2,118 2,658 3,152
Total Non-Interest Expense		 581 690 687 797 927 141 795 1,352 1,696 2,073 2,412
Net Occupancy & Equipment Expense		 - 85 70 78 84 - 148 174 195 224 258
Marketing Expense		 117 97 77 96 115 - 271 383 414 524 621
Other Operating Expenses		 372 492 527 609 712 141 341 759 1,048 1,285 1,491
Depreciation Expense		 18 16 13 14 15 - 35 37 38 40 42
Nonoperating Income / (Expense), net		 -0.99 1.56 0.38 -2.32 -2.54 0.51 0.60 4.47 -0.23 -23 -0.65
Income Tax Expense		 27 23 2.06 5.30 42 57 80 65 52 62 93
Other Gains / (Losses), net		 - - - 0.00 0.00 0.63 - - 0.12 - 1.56
Basic Earnings per Share		 $1.33 $1.04 $0.87 $2.06 $1.09 $11.85 $7.05 $6.42 $5.71 $7.78 $12.25
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 25.17M
Diluted Earnings per Share		 $1.33 $1.03 $0.86 $1.99 $1.06 $11.70 $6.79 $6.19 $5.49 $7.43 $11.52
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 26.78M
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 25.01M

Quarterly Income Statements for Enova International

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 41 35 48 54 43 64 73 76 80 79 91
Consolidated Net Income / (Loss)		 41 35 48 54 43 64 73 76 80 79 91
Net Income / (Loss) Continuing Operations		 41 35 48 54 43 64 73 77 81 80 91
Total Pre-Tax Income 		55 42 65 74 55 77 91 101 110 99 113
Total Revenue		 503 526 544 557 613 653 665 681 716 750 781
Net Interest Income / (Expense)		 -49 -57 -66 -71 -77 -77 -81 -83 -87 -89 -94
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 49 57 66 71 77 77 81 83 87 89 94
Long-Term Debt Interest Expense		 49 57 66 71 77 77 81 83 87 89 94
Total Non-Interest Income		 551 584 610 628 690 730 746 764 803 839 875
Other Non-Interest Income		 551 584 610 628 690 730 746 764 803 839 875
Total Non-Interest Expense		 448 486 479 483 536 574 574 580 606 653 668
Net Occupancy & Equipment Expense		 52 47 54 55 57 58 62 64 65 68 76
Marketing Expense		 117 122 111 121 141 151 139 143 147 192 189
Other Operating Expenses		 269 308 304 298 328 355 362 363 382 385 394
Depreciation Expense		 9.95 9.03 10 9.71 10 10 10 10 12 9.07 8.91
Nonoperating Income / (Expense), net		 0.15 1.11 -0.54 -0.54 -21 -0.81 -0.45 -0.89 0.09 0.60 -0.50
Income Tax Expense		 14 6.86 16 20 12 14 18 25 30 20 22
Other Gains / (Losses), net		 -0.01 - 0.00 0.00 - - 0.12 0.61 0.26 0.57 0.30
Basic Earnings per Share		 $1.35 $1.19 $1.72 $2.00 $1.64 $2.42 $2.84 $3.01 $3.22 $3.18 $3.66
Weighted Average Basic Shares Outstanding		 30.60M 30.67M 28.20M 26.94M 26.42M 26.92M 25.68M 25.30M 24.96M 25.17M 24.87M
Diluted Earnings per Share		 $1.29 $1.14 $1.64 $1.93 $1.57 $2.29 $2.69 $2.86 $3.03 $2.94 $3.46
Weighted Average Diluted Shares Outstanding		 31.90M 31.92M 29.50M 27.94M 27.71M 28.20M 27.10M 26.65M 26.47M 26.78M 26.35M
Weighted Average Basic & Diluted Shares Outstanding		 29.87M 28.18M 27.12M 26.40M 26.21M 25.79M 25.37M 25.01M 24.80M 25.01M 24.88M

Annual Cash Flow Statements for Enova International

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 2025
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 12/31/2025
Net Change in Cash & Equivalents		 -33 17 32 -21 3.71 288 -143 -47 199 -55 85
Net Cash From Operating Activities		 284 393 447 685 849 741 472 894 1,167 1,539 1,819
Net Cash From Continuing Operating Activities		 284 393 394 603 805 741 470 894 1,167 1,539 1,819
Net Income / (Loss) Continuing Operations		 44 35 18 64 73 756 257 207 175 209 308
Consolidated Net Income / (Loss)		 44 35 18 70 165 756 257 207 175 209 308
Depreciation Expense		 18 16 13 14 15 20 35 37 38 40 42
Amortization Expense		 3.37 6.91 7.20 6.20 6.00 13 6.22 5.70 10 16 17
Non-Cash Adjustments to Reconcile Net Income		 226 321 371 519 584 89 210 653 913 1,275 1,421
Changes in Operating Assets and Liabilities, net		 -7.44 15 -15 0.71 0.98 376 -38 -8.59 30 -1.52 31
Net Cash From Investing Activities		 -372 -464 -525 -721 -941 84 -980 -1,666 -1,495 -1,911 -2,446
Net Cash From Continuing Investing Activities		 -372 -464 -467 -648 -871 84 -980 -1,666 -1,495 -1,911 -2,446
Purchase of Investment Securities		 -18 - - -1,453 0.00 80 -59 -44 -45 -43 -47
Other Investing Activities, net		 -323 -450 -454 820 -851 2.99 -923 -1,631 -1,449 -1,868 -2,399
Net Cash From Financing Activities		 57 100 105 22 95 -536 365 725 527 319 712
Net Cash From Continuing Financing Activities		 57 100 105 22 95 -536 365 725 527 319 712
Issuance of Debt		 63 338 640 927 660 253 849 967 1,833 2,970 3,454
Repayment of Debt		 -5.00 -231 -516 -881 -531 -733 -377 -95 -1,136 -2,346 -2,521
Repurchase of Common Equity		 -0.19 -0.44 -5.08 -17 -34 -56 -117 -143 -153 -289 -215
Other Financing Activities, Net		 -1.60 -6.70 -15 -6.28 0.06 -0.20 9.23 -3.23 -17 -16 -6.59
Effect of Exchange Rate Changes		 -1.41 -12 4.72 -7.27 0.98 -0.24 0.03 -0.08 0.29 -1.03 0.04

Quarterly Cash Flow Statements for Enova International

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -65 181 -149 42 -17 68 -11 68 -22 51 13
Net Cash From Operating Activities		 271 314 349 361 399 431 391 447 482 499 475
Net Cash From Continuing Operating Activities		 271 314 349 361 399 431 391 447 482 499 475
Net Income / (Loss) Continuing Operations		 41 35 48 54 43 64 73 76 80 79 91
Consolidated Net Income / (Loss)		 41 35 48 54 43 64 73 76 80 79 91
Depreciation Expense		 9.95 9.03 10 9.71 10 10 10 10 12 9.07 8.91
Amortization Expense		 2.55 3.39 3.93 3.04 5.04 3.77 3.84 4.13 4.36 4.26 4.31
Non-Cash Adjustments to Reconcile Net Income		 588 316 25 246 -388 1,142 21 13 55 1,333 42
Changes in Operating Assets and Liabilities, net		 -371 -49 261 48 728 -789 284 344 330 -926 329
Net Cash From Investing Activities		 -445 -566 -443 -407 -482 -579 -510 -528 -605 -803 -753
Net Cash From Continuing Investing Activities		 -445 -566 -443 -407 -482 -579 -510 -528 -605 -803 -753
Purchase of Investment Securities		 -13 -12 -11 -11 -11 -10 -13 -11 -11 -12 -11
Other Investing Activities, net		 -432 -554 -432 -396 -471 -569 -497 -517 -594 -791 -743
Net Cash From Financing Activities		 109 433 -54 89 67 217 107 149 101 355 292
Net Cash From Continuing Financing Activities		 109 433 -54 89 67 217 107 149 101 355 292
Issuance of Debt		 495 706 400 918 856 796 897 675 680 1,203 936
Repayment of Debt		 -347 -195 -306 -760 -755 -525 -701 -470 -540 -810 -605
Repurchase of Common Equity		 -36 -67 -151 -63 -23 -51 -86 -55 -38 -35 -40
Other Financing Activities, Net		 -2.41 -12 3.40 -5.73 -11 -2.67 -2.52 -1.04 -0.66 -2.37 0.50
Effect of Exchange Rate Changes		 -0.26 0.08 0.08 -0.93 0.05 -0.24 0.31 -0.17 0.09 -0.19 0.21

Annual Balance Sheets for Enova International

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 2025
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 12/31/2025
Total Assets		 841 978 1,159 1,334 1,574 2,108 2,761 3,781 4,586 5,266 6,468
Cash and Due from Banks		 42 40 69 28 36 297 165 100 54 74 72
Restricted Cash		 7.38 26 29 22 45 72 60 78 323 249 336
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 0.00
Premises and Equipment, Net		 48 47 49 46 55 79 78 93 109 120 133
Goodwill		 267 267 267 267 267 268 279 279 279 279 279
Intangible Assets		 6.54 5.40 4.33 3.26 2.19 26 35 27 19 11 3.66
Other Assets		 469 592 741 188 1,170 1,365 2,142 3,203 3,801 4,533 5,645
Total Liabilities & Shareholders' Equity		 841 978 1,159 1,334 1,574 2,108 2,761 3,781 4,586 5,266 6,468
Total Liabilities		 635 736 878 987 1,198 1,189 1,668 2,595 3,345 4,069 5,132
Other Short-Term Payables		 72 72 77 82 122 124 156 - - 250 306
Long-Term Debt		 542 650 789 858 991 946 1,384 2,259 2,944 3,563 4,498
Other Long-Term Liabilities		 21 15 12 47 84 119 128 336 402 256 327
Commitments & Contingencies		 0.00 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 1,337
Total Preferred & Common Equity		 206 242 282 348 377 917 1,093 1,186 1,240 1,197 1,337
Preferred Stock		 0.00 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 1,337
Common Stock		 9.92 18 30 48 64 188 226 252 284 328 370
Retained Earnings		 201 235 265 336 373 849 1,106 1,313 1,488 1,698 2,006
Treasury Stock		 -0.19 -0.62 -5.70 -23 -57 -113 -230 -373 -526 -815 -1,030
Accumulated Other Comprehensive Income / (Loss)		 -4.62 -12 -7.09 -14 -3.07 -6.90 -8.54 -5.99 -6.26 -14 -9.50

Quarterly Balance Sheets for Enova International

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 Q2 2025 Q3 2025 Q1 2026
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 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,509 3,847 3,908 4,103 4,637 4,817 4,976 5,457 5,725 5,962 6,877
Cash and Due from Banks		 88 98 100 63 76 60 68 56 56 54 96
Restricted Cash		 84 191 162 133 152 211 187 256 324 303 325
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 0.00
Premises and Equipment, Net		 89 95 99 104 112 115 118 125 128 129 136
Goodwill		 279 279 279 279 279 279 279 279 279 279 279
Intangible Assets		 29 25 23 21 17 15 13 8.94 6.92 4.91 2.41
Other Assets		 2,939 3,159 3,245 3,503 4,000 4,136 4,311 4,732 4,931 5,192 6,039
Total Liabilities & Shareholders' Equity		 3,509 3,847 3,908 4,103 4,637 4,817 4,976 5,457 5,725 5,962 6,877
Total Liabilities		 2,363 2,626 2,659 2,842 3,486 3,670 3,797 4,261 4,496 4,679 5,475
Other Short-Term Payables		 169 178 229 275 291 334 260 237 258 253 282
Long-Term Debt		 2,060 2,314 2,297 2,443 3,041 3,194 3,294 3,757 3,964 4,106 4,833
Other Long-Term Liabilities		 135 134 132 124 155 141 244 266 275 319 361
Commitments & Contingencies		 0.00 0.00 0.00 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 1,229 1,284 1,402
Total Preferred & Common Equity		 1,146 1,221 1,249 1,261 1,150 1,148 1,179 1,197 1,229 1,284 1,402
Preferred Stock		 0.00 0.00 0.00 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 1,229 1,284 1,402
Common Stock		 245 259 266 274 298 308 318 338 347 359 381
Retained Earnings		 1,262 1,364 1,412 1,454 1,537 1,591 1,634 1,771 1,847 1,927 2,097
Treasury Stock		 -354 -395 -423 -459 -677 -741 -764 -901 -956 -995 -1,070
Accumulated Other Comprehensive Income / (Loss)		 -7.26 -7.34 -5.99 -7.20 -7.23 -11 -9.42 -11 -8.85 -7.87 -6.41

Annual Metrics And Ratios for Enova International

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 2025
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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
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 $12.25
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 25.17M
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 $11.52
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 26.78M
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 $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 25.01M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Enova International

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 25,010,319.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 25,010,319.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 3.64
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 18.20% 17.34% 23.72% 22.83% 21.95% 23.96% 22.18% 22.20% 16.75% - 17.46%
EBITDA Growth		 -15.88% -32.22% 1.38% 12.80% 35.99% 74.54% 32.59% 33.33% 37.70% - 19.97%
EBIT Growth		 -18.53% -40.36% -1.14% 12.26% 39.49% 93.64% 40.13% 36.74% 42.97% - 23.75%
NOPAT Growth		 -20.22% -34.07% -4.55% 10.68% 45.98% 90.18% 50.12% 41.45% 33.53% - 24.82%
Net Income Growth		 -20.16% -31.66% -4.90% 11.98% 5.16% 83.20% 50.63% 41.25% 85.00% - 24.89%
EPS Growth		 -17.83% -26.92% 5.13% 28.67% 21.71% 100.88% 64.02% 48.19% 92.99% - 28.62%
Operating Cash Flow Growth		 16.57% 16.78% 23.60% 20.59% 46.94% 36.98% 12.22% 23.94% 20.89% - 21.32%
Free Cash Flow Firm Growth		 51.63% 23.00% 14.40% -35.08% -55.09% 27.40% -13.59% -4.42% -18.20% - -72.39%
Invested Capital Growth		 15.53% 21.46% 18.56% 22.43% 20.75% 13.78% 18.20% 19.59% 20.52% - 25.84%
Revenue Q/Q Growth		 10.76% 4.72% 3.40% 2.42% 9.96% 6.45% 1.91% 2.45% 5.06% - 4.10%
EBITDA Q/Q Growth		 -12.24% -21.85% 50.49% 9.41% 5.80% 0.30% 14.19% 10.02% 9.27% - 13.82%
EBIT Q/Q Growth		 -16.58% -26.66% 61.65% 13.66% 3.66% 1.82% 16.82% 10.91% 8.38% - 15.82%
NOPAT Q/Q Growth		 -16.09% -17.80% 44.50% 11.21% 10.67% 7.09% 13.90% 4.79% 4.47% - 16.55%
Net Income Q/Q Growth		 -14.25% -15.79% 39.29% 11.32% -19.47% 46.72% 14.52% 4.39% 5.47% - 15.34%
EPS Q/Q Growth		 -14.00% -11.63% 43.86% 17.68% -18.65% 45.86% 17.47% 6.32% 5.94% - 17.69%
Operating Cash Flow Q/Q Growth		 -9.38% 15.87% 10.91% 3.55% 10.42% 8.02% -9.15% 14.37% 7.70% - -4.87%
Free Cash Flow Firm Q/Q Growth		 16.72% -54.40% 13.93% -22.05% 4.38% 27.73% -34.68% -12.19% -8.24% - -19.34%
Invested Capital Q/Q Growth		 4.44% 12.96% 0.17% 3.59% 3.01% 6.44% 4.07% 4.81% 3.81% - 6.84%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 13.44% 10.03% 14.59% 15.58% 14.99% 14.12% 15.83% 17.00% 17.68% - 16.17%
EBIT Margin		 10.95% 7.67% 11.98% 13.29% 12.53% 11.98% 13.74% 14.87% 15.34% - 14.47%
Profit (Net Income) Margin		 8.21% 6.60% 8.90% 9.67% 7.08% 9.76% 10.97% 11.18% 11.22% - 11.66%
Tax Burden Percent		 74.78% 83.52% 74.90% 73.29% 78.24% 82.30% 80.13% 75.36% 72.90% - 80.72%
Interest Burden Percent		 100.26% 103.07% 99.17% 99.27% 72.24% 98.96% 99.64% 99.73% 100.32% - 99.83%
Effective Tax Rate		 25.22% 16.48% 25.10% 26.71% 21.76% 17.70% 19.87% 24.64% 27.10% - 19.29%
Return on Invested Capital (ROIC)		 4.37% 3.24% 4.71% 5.26% 5.37% 5.22% 6.00% 6.18% 6.17% - 6.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.38% 3.28% 4.69% 5.25% 4.79% 5.20% 5.99% 6.16% 6.17% - 6.12%
Return on Net Nonoperating Assets (RNNOA)		 8.19% 7.03% 10.60% 12.02% 11.27% 13.89% 17.34% 18.55% 18.55% - 20.24%
Return on Equity (ROE)		 12.56% 10.27% 15.31% 17.29% 16.64% 19.11% 23.34% 24.73% 24.73% - 26.37%
Cash Return on Invested Capital (CROIC)		 -8.84% -14.78% -12.50% -15.65% -13.99% -7.80% -11.17% -12.08% -12.63% - -17.04%
Operating Return on Assets (OROA)		 5.31% 3.53% 5.72% 6.49% 6.19% 5.76% 6.77% 7.37% 7.62% - 6.87%
Return on Assets (ROA)		 3.98% 3.04% 4.25% 4.72% 3.50% 4.69% 5.41% 5.54% 5.57% - 5.54%
Return on Common Equity (ROCE)		 12.56% 10.27% 15.31% 17.29% 16.64% 19.11% 23.34% 24.73% 24.73% - 26.37%
Return on Equity Simple (ROE_SIMPLE)		 15.16% 0.00% 15.01% 15.55% 15.32% 0.00% 19.55% 20.85% 22.83% - 23.29%
Net Operating Profit after Tax (NOPAT)		 41 34 49 54 60 64 73 77 80 - 91
NOPAT Margin		 8.19% 6.43% 8.97% 9.74% 9.80% 9.86% 11.02% 11.28% 11.21% - 11.71%
Net Nonoperating Expense Percent (NNEP)		 -0.01% -0.04% 0.02% 0.01% 0.58% 0.02% 0.01% 0.02% 0.00% - 0.01%
SG&A Expenses to Revenue		 33.46% 32.16% 30.30% 31.52% 32.25% 32.12% 30.34% 30.31% 29.61% - 33.95%
Operating Expenses to Revenue		 89.05% 92.33% 88.02% 86.71% 87.47% 88.02% 86.26% 85.13% 84.66% - 85.53%
Earnings before Interest and Taxes (EBIT)		 55 40 65 74 77 78 91 101 110 - 113
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 68 53 79 87 92 92 105 116 127 - 126
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.24 1.33 1.63 1.47 1.88 2.10 2.08 2.30 2.24 - 2.42
Price to Tangible Book Value (P/TBV)		 1.63 1.76 2.20 1.98 2.50 2.77 2.74 3.00 2.88 - 3.03
Price to Revenue (P/Rev)		 0.85 0.86 0.93 0.79 0.99 1.06 1.00 1.08 1.06 - 1.16
Price to Earnings (P/E)		 8.19 9.44 10.87 9.46 12.25 12.00 10.65 11.04 9.82 - 10.40
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Earnings Yield		 12.21% 10.59% 9.20% 10.57% 8.16% 8.34% 9.39% 9.06% 10.18% - 9.61%
Enterprise Value to Invested Capital (EV/IC)		 1.03 1.01 1.12 1.06 1.17 1.21 1.20 1.24 1.23 - 1.25
Enterprise Value to Revenue (EV/Rev)		 2.07 2.19 2.31 2.16 2.34 2.43 2.39 2.46 2.44 - 2.67
Enterprise Value to EBITDA (EV/EBITDA)		 12.67 15.31 16.94 16.09 16.89 16.42 15.78 15.83 15.07 - 16.28
Enterprise Value to EBIT (EV/EBIT)		 14.97 18.56 20.69 19.65 20.48 19.55 18.52 18.44 17.41 - 18.51
Enterprise Value to NOPAT (EV/NOPAT)		 19.78 24.07 27.11 25.87 26.68 25.30 23.54 23.34 22.49 - 23.87
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.40 3.62 3.80 3.56 3.69 3.74 3.75 3.85 3.79 - 4.10
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		 1.94 2.37 2.64 2.78 2.79 2.98 3.14 3.23 3.20 - 3.45
Long-Term Debt to Equity		 1.94 2.37 2.64 2.78 2.79 2.98 3.14 3.23 3.20 - 3.45
Financial Leverage		 1.87 2.14 2.26 2.29 2.35 2.67 2.90 3.01 3.01 - 3.31
Leverage Ratio		 3.16 3.45 3.58 3.64 3.72 4.04 4.30 4.44 4.44 - 4.75
Compound Leverage Factor		 3.17 3.55 3.55 3.61 2.69 4.00 4.29 4.42 4.46 - 4.74
Debt to Total Capital		 65.95% 70.36% 72.56% 73.57% 73.65% 74.86% 75.84% 76.34% 76.18% - 77.52%
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		 65.95% 70.36% 72.56% 73.57% 73.65% 74.86% 75.84% 76.34% 76.18% - 77.52%
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% 0.00% 0.00% 0.00% 0.00% - 0.00%
Common Equity to Total Capital		 34.05% 29.64% 27.44% 26.43% 26.35% 25.14% 24.16% 23.66% 23.82% - 22.48%
Debt to EBITDA		 8.12 10.68 10.99 11.15 10.59 10.17 9.99 9.78 9.34 - 10.08
Net Debt to EBITDA		 7.47 9.31 10.16 10.20 9.78 9.25 9.16 8.85 8.53 - 9.20
Long-Term Debt to EBITDA		 8.12 10.68 10.99 11.15 10.59 10.17 9.99 9.78 9.34 - 10.08
Debt to NOPAT		 12.67 16.79 17.58 17.92 16.74 15.67 14.90 14.43 13.93 - 14.77
Net Debt to NOPAT		 11.66 14.64 16.26 16.40 15.44 14.25 13.66 13.05 12.72 - 13.49
Long-Term Debt to NOPAT		 12.67 16.79 17.58 17.92 16.74 15.67 14.90 14.43 13.93 - 14.77
Noncontrolling Interest Sharing Ratio		 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)		 -457 -705 -607 -741 -709 -512 -690 -774 -837 - -1,189
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%
Free Cash Flow to Firm to Interest Expense		 -9.39 -12.33 -9.26 -10.44 -9.21 -6.65 -8.56 -9.35 -9.63 - -12.64
Operating Cash Flow to Interest Expense		 5.57 5.49 5.31 5.09 5.18 5.59 4.86 5.40 5.54 - 5.05
Operating Cash Flow Less CapEx to Interest Expense		 5.57 5.49 5.31 5.09 5.18 5.59 4.86 5.40 5.54 - 5.05
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.48 0.46 0.48 0.49 0.49 0.48 0.49 0.50 0.50 - 0.47
Fixed Asset Turnover		 19.09 19.05 19.58 19.90 20.20 20.71 21.04 21.52 22.01 - 22.49
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,704 4,184 4,191 4,342 4,472 4,760 4,954 5,192 5,390 - 6,234
Invested Capital Turnover		 0.53 0.50 0.52 0.54 0.55 0.53 0.54 0.55 0.55 - 0.52
Increase / (Decrease) in Invested Capital		 498 739 656 795 769 576 763 851 918 - 1,280
Enterprise Value (EV)		 3,813 4,220 4,689 4,611 5,251 5,753 5,936 6,413 6,628 - 7,808
Market Capitalization		 1,566 1,654 1,877 1,688 2,212 2,513 2,491 2,829 2,879 - 3,397
Book Value per Share		 $40.96 $41.52 $40.79 $42.31 $44.65 $45.67 $46.39 $48.44 $51.32 - $56.05
Tangible Book Value per Share		 $31.21 $31.53 $30.29 $31.46 $33.58 $34.60 $35.22 $37.15 $39.96 - $44.79
Total Capital		 3,704 4,184 4,191 4,342 4,472 4,760 4,954 5,192 5,390 - 6,234
Total Debt		 2,443 2,944 3,041 3,194 3,294 3,563 3,757 3,964 4,106 - 4,833
Total Long-Term Debt		 2,443 2,944 3,041 3,194 3,294 3,563 3,757 3,964 4,106 - 4,833
Net Debt		 2,246 2,566 2,812 2,923 3,039 3,241 3,445 3,584 3,750 - 4,411
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Expense (NNE)		 -0.12 -0.93 0.40 0.40 17 0.67 0.36 0.67 -0.07 - 0.40
Net Nonoperating Obligations (NNO)		 2,443 2,944 3,041 3,194 3,294 3,563 3,757 3,964 4,106 - 4,833
Total Depreciation and Amortization (D&A)		 13 12 14 13 15 14 14 14 17 - 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.35 $1.19 $1.72 $2.00 $1.64 $2.42 $2.84 $3.01 $3.22 $3.18 $3.66
Adjusted Weighted Average Basic Shares Outstanding		 30.60M 30.67M 28.20M 26.94M 26.42M 26.92M 25.68M 25.30M 24.96M 25.17M 24.87M
Adjusted Diluted Earnings per Share		 $1.29 $1.14 $1.64 $1.93 $1.57 $2.29 $2.69 $2.86 $3.03 $2.94 $3.46
Adjusted Weighted Average Diluted Shares Outstanding		 31.90M 31.92M 29.50M 27.94M 27.71M 28.20M 27.10M 26.65M 26.47M 26.78M 26.35M
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		 29.87M 28.18M 27.12M 26.40M 26.21M 25.79M 25.37M 25.01M 24.80M 25.01M 24.88M
Normalized Net Operating Profit after Tax (NOPAT)		 41 34 49 54 60 64 73 77 80 - 91
Normalized NOPAT Margin		 8.19% 6.43% 8.97% 9.74% 9.80% 9.86% 11.02% 11.28% 11.21% - 11.71%
Pre Tax Income Margin		 10.98% 7.91% 11.88% 13.20% 9.05% 11.86% 13.69% 14.83% 15.39% - 14.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.13 0.71 0.99 1.04 1.00 1.02 1.13 1.22 1.26 - 1.20
NOPAT to Interest Expense		 0.85 0.59 0.74 0.77 0.78 0.84 0.91 0.93 0.92 - 0.97
EBIT Less CapEx to Interest Expense		 1.13 0.71 0.99 1.04 1.00 1.02 1.13 1.22 1.26 - 1.20
NOPAT Less CapEx to Interest Expense		 0.85 0.59 0.74 0.77 0.78 0.84 0.91 0.93 0.92 - 0.97
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		 55.14% 87.47% 163.74% 178.18% 168.85% 138.12% 95.51% 84.08% 78.64% - 51.64%

Financials Breakdown Chart

Key Financial Trends

Enova International’s latest quarter shows a business that is still highly profitable and generating strong operating cash flow, but one that remains very balance-sheet intensive and dependent on debt financing. In Q1 2026, revenue rose to $781.1 million from $750.4 million in Q4 2025 and $715.7 million in Q3 2025. Net income also improved to $91.1 million, up from $79.0 million in the prior quarter. Over the last several years, ENVA has consistently delivered profits, but the trend in costs, leverage, and asset growth deserves attention.

What stands out most: Enova’s core earnings power remains solid, and operating cash flow is strong enough to support growth, buybacks, and debt service. However, the company’s balance sheet has expanded quickly, and long-term debt has increased meaningfully over the past year.

  • Profitability remains strong: Q1 2026 net income was $91.1 million, up from $79.0 million in Q4 2025 and $80.3 million in Q3 2025.
  • Revenue continues to grow: Total revenue reached $781.1 million in Q1 2026, above the prior two quarters and well ahead of $664.3 million in Q1 2025.
  • Operating cash flow is robust: ENVA generated $474.5 million in operating cash flow in Q1 2026, compared with $498.8 million in Q4 2025 and $391.1 million in Q1 2025.
  • Quarterly EPS improved: Diluted EPS was $3.46 in Q1 2026, up from $2.94 in Q4 2025 and $3.03 in Q3 2025.
  • Equity has grown steadily: Total common equity increased to $1.40 billion in Q1 2026 from $1.23 billion at year-end 2025 and $1.20 billion in Q1 2025.
  • Cash position looks healthy, but much of it is restricted: ENVA reported $96.1 million of cash and due from banks plus $325.2 million of restricted cash in Q1 2026.
  • Non-interest income remains the main revenue driver: The company continues to generate the vast majority of revenue from other non-interest income, while interest expense remains a drag.
  • Share repurchases continue: ENVA bought back $39.6 million of stock in Q1 2026, showing ongoing capital return activity.
  • Debt load is high and rising: Long-term debt increased to $4.83 billion in Q1 2026 from $4.11 billion in Q3 2025 and $3.76 billion in Q1 2025.
  • Interest expense remains significant: Q1 2026 interest expense was $94.0 million, up from $89.0 million in Q4 2025 and $80.5 million in Q1 2025.

Longer-term trend: Over the past four years, ENVA has generally shown a pattern of rising revenue, consistent profitability, and strong operating cash generation. Quarterly revenue has moved from the low-$400 million range in 2022 to the high-$700 million range in early 2026. Net income has also trended higher, with recent quarters commonly landing in the $75 million to $91 million range. That said, the company’s balance sheet has grown substantially alongside the business, and leverage has increased.

Balance sheet quality is the key debate for investors. Total assets rose to $6.88 billion in Q1 2026 from $5.46 billion in Q1 2025 and $4.64 billion in Q1 2024. But liabilities also expanded to $5.48 billion, leaving only $1.40 billion of common equity. For retail investors, that means ENVA looks like a profitable company with strong cash generation, but one that carries meaningful financing risk if credit conditions tighten or loan performance deteriorates.

Bottom line: ENVA’s latest results are fundamentally positive on earnings and cash flow. The stock’s long-term story looks supported by profitability and cash generation, but investors should keep a close eye on debt growth, rising interest expense, and the company’s reliance on restricted cash and financing markets.

06/08/26 02:20 PM ETAI Generated. May Contain Errors.

Enova International Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Enova International's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Enova International's net income appears to be on an upward trend, with a most recent value of $308.39 million in 2025, rising from $43.99 million in 2015. The previous period was $209.45 million in 2024. See where experts think Enova International is headed by visiting Enova International's forecast page.

Over the last 10 years, Enova International's total revenue changed from $652.60 million in 2015 to $2.81 billion in 2025, a change of 330.9%.

Enova International's total liabilities were at $5.13 billion at the end of 2025, a 26.1% increase from 2024, and a 708.7% increase since 2015.

In the past 10 years, Enova International's cash and equivalents has ranged from $28.11 million in 2018 to $297.27 million in 2020, and is currently $71.71 million as of their latest financial filing in 2025.


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Financial statements for NYSE:ENVA last updated on 4/28/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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