Enova International, Inc. ENVA
NYSE · XNYS · stock · Personal Credit Institutions
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6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $3.2B | $308.4M | $1.8B | — | $1.3B |
| 2024 | $2.7B | $209.4M | $1.5B | — | $1.2B |
| 2023 | $2.1B | $175.1M | $1.2B | — | $1.2B |
| 2022 | $1.7B | $207.4M | $1.1B | — | $1.2B |
| 2021 | $1.2B | $256.3M | $1.0B | $442.2M | $1.1B |
| 2020 | $1.1B | $377.8M | $684.2M | $711.7M | $918.8M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| TEBBE MARK | director | 2026-06-18 | Sell | 20,000 | $201.37 |
| Fisher David | Executive Chairman | 2026-06-17 | Option exercise | 33,060 | $20.73 |
| Fisher David | Executive Chairman | 2026-06-17 | Sell | 33,060 | $199.05 |
| GOODYEAR WILLIAM M | director | 2026-06-16 | Sell | 3,500 | $188.02 |
| GOODYEAR WILLIAM M | director | 2026-06-12 | Gift | 8,437 | — |
| GOODYEAR WILLIAM M | director | 2026-06-01 | Sell | 5,983 | $163.13 |
| RICE LINDA JOHNSON | director | 2026-05-29 | Sell | 1,300 | $161.20 |
| Fisher David | Executive Chairman | 2026-05-22 | Option exercise | 3,076 | $20.73 |
Why these scores methodology →
Piotroski F-score: 6/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0001529864 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.