Stocktoria
Enova International, Inc. ENVA
Enova International, Inc. financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.2B | $2.7B | $2.1B | $1.7B | $1.2B | $1.1B | $1.2B | $972.6M | $728.9M | $745.6M |
| Gross profit | $1.8B | $1.5B | $1.2B | $1.1B | $1.0B | $684.2M | $571.9M | $469.2M | $375.4M | $417.6M |
| Operating income | $739.4M | $584.8M | $422.1M | $384.0M | $413.1M | $357.8M | $248.2M | $175.5M | $116.2M | $121.5M |
| Interest expense | $339.3M | $290.4M | $194.8M | $115.9M | $76.5M | $86.7M | $75.6M | $79.4M | — | — |
| Income tax | $92.6M | $61.7M | $52.1M | $65.2M | $80.1M | $57.2M | $42.1M | $5.3M | $2.1M | $22.8M |
| Net income | $308.4M | $209.4M | $175.1M | $207.4M | $256.3M | $377.8M | $36.6M | $70.1M | $29.2M | $34.6M |
| EPS (diluted) | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $1.06 | $1.99 | $0.86 | $1.03 |
| Operating cash flow | $1.8B | $1.5B | $1.2B | $894.0M | $471.9M | $741.2M | $848.6M | $684.8M | $447.2M | $393.4M |
| Free cash flow | — | — | — | — | $442.2M | $711.7M | $828.6M | $670.2M | $431.9M | $379.0M |
| Cash & equivalents | $71.7M | $73.9M | $54.4M | $100.2M | $165.5M | $297.3M | $35.9M | $28.1M | $49.8M | $39.9M |
| Total assets | $6.5B | $5.3B | $4.6B | $3.8B | $2.8B | $2.1B | $1.6B | $1.3B | $1.2B | $977.9M |
| Total liabilities | $5.1B | $4.1B | $3.3B | $2.6B | $1.7B | $1.2B | $1.2B | $986.6M | $877.8M | $736.2M |
| Shareholders' equity | $1.3B | $1.2B | $1.2B | $1.2B | $1.1B | $918.8M | $376.6M | $347.8M | $281.7M | $241.7M |
Growth · year-over-year · Revenue CAGR 17.4%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +18.6% | +25.5% | +22.0% | +43.7% | +11.5% | -7.8% | +20.8% | +33.4% | -2.2% | +14.2% |
| Net income growth | +47.2% | +19.6% | -15.6% | -19.1% | -32.2% | +932.0% | -47.8% | +139.7% | -15.5% | -21.3% |
| EPS growth | +55.0% | +35.3% | -11.3% | -8.8% | -42.0% | +1003.8% | -46.7% | +131.4% | -16.5% | -22.6% |
| Free cash flow growth | — | — | — | — | -37.9% | -14.1% | +23.6% | +55.2% | +14.0% | +50.6% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.