Enova International Inc. (ENVA) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$3.96	$4.31	+8.8%	—	$928.9M	—
Q1 26	$3.12	$3.16	+1.3%	—	$875.1M	—
Q4 25	$3.17	$3.46	+9.1%	—	$839.4M	—
Q3 25	$3.03	$3.36	+10.9%	—	$802.7M	—
Q2 25	$2.98	$3.23	+8.4%	—	$764M	—
Q1 25	$2.76	$2.98	+8.0%	—	$745.5M	—
Q4 24	$2.27	$2.61	+15.0%	—	$729.6M	—
Q3 24	$2.31	$2.45	+6.1%	—	$689.9M	—
Q2 24	$2.07	$2.21	+6.8%	—	$628.4M	—
Q1 24	$1.72	$1.91	+11.0%	—	$609.9M	—
Q4 23	$1.66	$1.83	+10.2%	—	$583.6M	—
Q3 23	$2	$1.5	-25.0%	—	$551.4M	—
Q2 23	$1.68	$1.72	+2.4%	—	$499.4M	—
Q1 23	$1.53	$1.79	+17.0%	—	$483.3M	—
Q4 22	$1.71	$1.76	+2.9%	—	$486.2M	—
Q3 22	$1.64	$1.74	+6.1%	—	$456.2M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$12.3	—	—	$3.2B	—
FY24	—	$7.78	—	—	$2.7B	—
FY23	—	$5.71	—	—	$2.1B	—
FY22	—	$6.42	—	—	$1.7B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$745.6M	$728.9M	$972.6M	$1.2B	$1.1B	$1.2B	$1.7B	$2.1B	$2.7B	$3.2B
YoY change	+14.2%	-2.24%	+33.4%	+20.8%	-7.75%	+11.5%	+43.7%	+22%	+25.5%	+18.6%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	745.6M	728.9M	972.6M	1.2B	1.1B	1.2B	1.7B	2.1B	2.7B	3.2B
Cost of revenue	393.6M	427.5M	582.8M	678.5M	486.2M	260.2M	734.4M	1.1B	1.4B	1.7B
Gross profit	352M	301.4M	389.9M	496.3M	597.5M	947.8M	1B	1B	1.2B	1.5B
Gross margin	47.2%	41.4%	40.1%	42.2%	55.1%	78.5%	57.7%	48.9%	46.6%	47.3%
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	195.4M	176.3M	201.1M	224.3M	210.4M	428.1M	523M	574.7M	680.1M	784.2M
Operating expenses	280.6M	245.9M	279.5M	308.6M	306.7M	575.8M	696.7M	769.6M	904.5M	1B
Operating income	55.9M	42.2M	96.2M	172.6M	271.1M	336.6M	268.1M	227.4M	294.3M	406.7M
Operating margin	7.49%	5.79%	9.89%	14.7%	25%	27.9%	15.4%	10.7%	11.1%	12.9%
Non-operating income, net	1.6M	-22.5M	-27.3M	-2.5M	164.3M	601K	4.5M	-109K	-23.2M	-5.7M
Pretax income	57.4M	19.7M	68.9M	170.1M	435.4M	337.2M	272.6M	227.2M	271.1M	401M
Income tax	22.8M	2.1M	5.3M	42.1M	57.2M	80.1M	65.2M	52.1M	61.7M	92.6M
Net income	34.6M	29.2M	70.1M	36.6M	377.9M	257.1M	207.4M	175.1M	209.4M	308.4M
Net margin	4.64%	4.01%	7.21%	3.12%	34.9%	21.3%	11.9%	8.27%	7.88%	9.78%
EBITDA	69.9M	78M	137.7M	190.2M	127.2M	374.3M	306.9M	265.7M	341.3M	455.8M
EPS	1.04	0.87	2.06	1.09	11.8	7.05	6.42	5.71	7.78	12.3
Diluted EPS	1.03	0.86	1.99	1.06	11.7	6.79	6.19	5.49	7.43	11.5

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	551.4M	583.6M	609.9M	628.4M	689.9M	729.6M	745.5M	764M	802.7M	839.4M	875.1M	928.9M
Cost of revenue	280.4M	315.8M	329.6M	329.2M	366.5M	393.5M	399.9M	405.4M	428.9M	426.5M	440.2M	458.7M
Gross profit	270.9M	267.8M	280.3M	299.2M	323.5M	336M	345.6M	358.7M	373.8M	412.9M	434.9M	470.2M
Gross margin	49.1%	45.9%	46%	47.6%	46.9%	46.1%	46.4%	46.9%	46.6%	49.2%	49.7%	50.6%
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	154.2M	171.4M	150.4M	160.5M	180M	189.2M	181.8M	183.4M	187M	232.1M	237.2M	247.6M
Operating expenses	205.9M	218.5M	204.8M	215.4M	236.6M	247.6M	244.2M	247M	251.6M	299.6M	312.9M	322.5M
Operating income	55.1M	40.3M	65.2M	74.1M	76.8M	78.2M	91.4M	101.3M	109.8M	104.2M	113.1M	139.3M
Operating margin	9.99%	6.91%	10.7%	11.8%	11.1%	10.7%	12.3%	13.3%	13.7%	12.4%	12.9%	15%
Non-operating income, net	144K	1.3M	-540K	-540K	-21.3M	-810K	-332K	-272K	348K	-5.4M	-195K	778K
Pretax income	55.2M	41.6M	64.7M	73.6M	55.5M	77.4M	91M	101.1M	110.2M	98.8M	112.9M	140.1M
Income tax	13.9M	6.9M	16.2M	19.7M	12.1M	13.7M	18.1M	24.9M	29.9M	19.8M	21.8M	35M
Net income	41.3M	34.8M	48.4M	53.9M	43.4M	63.7M	72.9M	76.1M	80.3M	79M	91.1M	105.1M
Net margin	7.49%	5.96%	7.94%	8.58%	6.29%	8.73%	9.78%	9.97%	10%	9.41%	10.4%	11.3%
EBITDA	64.9M	49.3M	76M	84.4M	91.6M	89.3M	101.9M	112.6M	122.1M	119.3M	122.5M	147.3M
EPS	1.35	1.17	1.72	2	1.64	2.44	2.84	3.01	3.22	3.19	3.66	4.22
Diluted EPS	1.29	1.13	1.64	1.93	1.57	2.3	2.69	2.86	3.03	3	3.46	4

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	416.6M	509.5M	661.5M	811.2M	790.1M	—	—	1.7B	—	4B	4.2B
Enterprise value	1B	1.2B	1.5B	1.8B	1.5B	—	—	4.6B	—	8.4B	9.2B
Shares outstanding	33.2M	33.5M	34M	33.7M	31.9M	36.4M	32.3M	30.7M	26.9M	25.2M	25.2M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	12	17.4	9.44	22.2	2.09	—	—	9.7	—	12.8	12.9
P/S	0.56	0.7	0.68	0.69	0.73	—	—	0.8	—	1.26	2.55
P/B	1.72	1.81	1.9	2.15	0.86	—	—	1.37	—	2.96	2.88
EV/EBITDA	14.7	15.8	10.8	9.48	11.9	—	—	17.4	—	18.5	20.2
EV/Sales	1.38	1.69	1.54	1.54	1.39	—	—	2.18	—	2.67	5.46
Earnings yield	8.31%	5.74%	10.6%	4.51%	47.8%	—	—	10.3%	—	7.79%	7.76%
FCF yield	91%	84.8%	101.3%	102.1%	90%	—	—	66.1%	—	44.8%	102.8%
PEG	—	—	—	—	—	—	—	—	—	—	0.32

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	47.2%	41.4%	40.1%	42.2%	55.1%	78.5%	57.7%	48.9%	46.6%	47.3%	50.6%
Operating margin	7.49%	5.79%	9.89%	14.7%	25%	27.9%	15.4%	10.7%	11.1%	12.9%	29.9%
Net margin	4.64%	4.01%	7.21%	3.12%	34.9%	21.3%	11.9%	8.27%	7.88%	9.78%	21%
ROE	14.3%	10.4%	20.2%	9.72%	41.1%	23.5%	17.5%	14.1%	17.5%	23.1%	26.1%
ROA	3.54%	2.52%	5.25%	2.33%	17.9%	9.31%	5.49%	3.82%	3.98%	4.77%	5.49%
ROIC	3.94%	3.76%	7.53%	9.49%	14.4%	10.9%	6.04%	4.22%	4.82%	5.4%	5.59%
Return on tangible assets	7.99%	4.74%	8.83%	3.53%	24.9%	12.1%	6.55%	4.39%	4.47%	5.22%	5.34%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	9	10.8	11.3	9.89	10.6	14.7	16.7	15.8	9.96	15.2	20.1
Quick ratio	9	10.8	11.3	9.89	10.6	14.7	16.7	15.8	9.96	15.2	20.2
Debt / equity	2.7	2.81	2.47	2.73	1.1	1.3	1.93	2.4	3	3.39	3.37
Debt / assets	0.67	0.68	0.64	0.65	0.48	0.52	0.61	0.65	0.68	0.7	0.7
Net debt / EBITDA	8.77	9.27	6.04	5.22	5.64	3.37	7.14	11	10.3	9.78	9.63
Interest coverage	0.85	0.57	1.21	2.28	3.13	4.4	2.31	—	—	—	—
Effective tax rate	39.8%	10.5%	7.7%	24.7%	13.1%	23.8%	23.9%	22.9%	22.7%	23.1%	23%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	22.5	21.7	28.6	34.8	34	33.2	53.8	69	98.7	125.2	68
EPS (basic)	1.04	0.87	2.06	1.09	11.8	7.05	6.42	5.71	7.78	12.3	12.3
EPS (diluted)	1.03	0.86	1.99	1.06	11.7	6.79	6.19	5.49	7.43	11.5	13.5
Book value per share	7.28	8.4	10.2	11.2	28.8	30.1	36.7	40.4	44.5	53.1	60.2
FCF per share	11.4	12.9	19.7	24.6	22.3	12.2	26.3	36.6	55.5	70.4	74.3
Cash per share	1.2	2.05	0.83	1.06	9.32	4.55	3.1	1.77	2.75	2.85	5.43
Capex per share	0.43	0.45	0.43	0.6	0.92	0.82	1.35	—	—	1.87	1.77

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.93%	2.09%	1.51%	1.71%	2.72%	2.46%	2.51%	—	—	1.5%	1.35%
Capex / operating cash flow	3.71%	4.17%	2.51%	2.5%	8.65%	10.2%	15.7%	—	—	2.59%	2.32%
Payout ratio	0%	—	—	—	—	—	—	—	—	—	0%
Dividend yield	0%	—	—	—	—	—	—	—	—	—	—

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$551.4M	$583.6M	$609.9M	$628.4M	$689.9M	$729.6M	$745.5M	$764M	$802.7M	$839.4M	$875.1M	$928.9M
YoY change	+20.9%	+20%	+26.2%	+25.8%	+25.1%	+25%	+22.2%	+21.6%	+16.3%	+15.1%	+17.4%	+21.6%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	39.9M	68.7M	28.1M	35.9M	297.3M	165.5M	100.2M	54.4M	73.9M	71.7M
Receivables	561.5M	704.7M	780.1M	1.1B	1.2B	2B	—	—	—	—
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	647.3M	830.8M	1B	1.2B	1.7B	2.3B	3.3B	4.1B	4.8B	6B
Property, plant & equipment	47.1M	48.5M	46.1M	74.1M	119.5M	101.5M	112.6M	123M	138.2M	149.1M
Goodwill & intangibles	544.8M	542.7M	540.5M	538.4M	588M	629.4M	613.3M	596.6M	580.5M	565.9M
Total assets	977.9M	1.2B	1.3B	1.6B	2.1B	2.8B	3.8B	4.6B	5.3B	6.5B
Accounts payable	25.4M	25.6M	26.3M	23.8M	26.7M	37.2M	30.8M	43.3M	59M	79M
Short-term debt	3M	3M	2.2M	1.5M	29.7M	—	—	—	233.3M	90M
Total current liabilities	72M	77.1M	89.3M	122.2M	156.4M	156.1M	198.3M	261.2M	483.3M	395.8M
Long-term debt	649.9M	788.5M	857.9M	1B	984.7M	1.4B	2.3B	3B	3.4B	4.4B
Total liabilities	736.2M	877.8M	986.6M	1.2B	1.2B	1.7B	2.6B	3.3B	4.1B	5.1B
Shareholders' equity	241.7M	281.7M	347.8M	376.6M	918.8M	1.1B	1.2B	1.2B	1.2B	1.3B
Total debt	652.9M	791.5M	860.1M	1B	1B	1.4B	2.3B	3B	3.6B	4.5B
Net debt	613M	722.9M	832M	992.5M	717.1M	1.3B	2.2B	2.9B	3.5B	4.5B

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	62.9M	54.4M	76.5M	60.1M	67.5M	73.9M	55.5M	55.6M	53.6M	71.7M	96.1M	122.2M
Receivables	—	—	—	—	—	—	—	—	—	—	—	—
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	3.6B	4.1B	4.2B	4.4B	4.5B	4.8B	5B	5.3B	5.5B	6B	6.4B	6.8B
Property, plant & equipment	119.9M	123M	125.3M	128.2M	130.7M	138.2M	142.4M	145.5M	145.9M	149.1M	151.6M	155.6M
Goodwill & intangibles	600.6M	596.6M	592.5M	588.5M	584.5M	580.5M	576.4M	572.4M	568.4M	565.9M	563.4M	562.9M
Total assets	4.1B	4.6B	4.6B	4.8B	5B	5.3B	5.5B	5.7B	6B	6.5B	6.9B	7.2B
Accounts payable	275.2M	43.3M	290.6M	334M	259.5M	59M	237.4M	257.5M	252.9M	79M	282.1M	334.9M
Short-term debt	—	—	—	—	—	233.3M	—	—	—	90M	130M	—
Total current liabilities	275.2M	261.2M	290.6M	334M	259.5M	483.3M	237.4M	257.5M	252.9M	395.8M	412.1M	334.9M
Long-term debt	2.5B	3B	3.1B	3.2B	3.3B	3.4B	3.8B	4B	4.1B	4.4B	4.7B	5B
Total liabilities	2.8B	3.3B	3.5B	3.7B	3.8B	4.1B	4.3B	4.5B	4.7B	5.1B	5.5B	5.7B
Shareholders' equity	1.3B	1.2B	1.2B	1.1B	1.2B	1.2B	1.2B	1.2B	1.3B	1.3B	1.4B	1.5B
Total debt	2.5B	3B	3.1B	3.2B	3.3B	3.6B	3.8B	4B	4.1B	4.5B	4.9B	5B
Net debt	2.4B	2.9B	3B	3.2B	3.3B	3.5B	3.7B	3.9B	4.1B	4.5B	4.8B	4.9B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	34.6M	29.2M	70.1M	36.6M	377.9M	257.1M	207.4M	175.1M	209.4M	308.4M
Depreciation & amortization	15.6M	13.3M	14.2M	15.1M	19.7M	35.4M	36.9M	38.2M	40.2M	41.8M
Stock-based compensation	8.5M	11.3M	11.7M	12M	18M	21.2M	21.9M	26.7M	31.8M	33.1M
Change in working capital	-6.9M	-35.7M	-37M	34.8M	74.9M	-58.8M	-8.6M	30M	-14M	-2.2M
Operating cash flow	387.6M	365.6M	585.1M	802.3M	340.8M	290.5M	277.5M	287.2M	397.1M	1.8B
Capital expenditure	-14.4M	-15.2M	-14.7M	-20.1M	-29.5M	-29.7M	-43.6M	—	—	-47.1M
Investing cash flow	-464.4M	-467.2M	-648.3M	-871.1M	83.6M	-980.4M	-1.7B	-1.4B	-1.9B	-2.4B
Dividends paid	0	—	—	—	—	—	—	—	—	—
Share repurchases	-437K	-5.1M	-17.3M	-33.8M	-56.4M	-116.7M	-143.1M	-153.2M	-289.3M	-214.6M
Financing cash flow	-16.9M	74.6M	-165.3M	-195.1M	-760.9M	247.7M	690.6M	144.9M	-448.3M	703.1M
Net change in cash	-93.8M	-27.1M	-228.5M	-263.9M	-336.5M	-442.2M	-698.2M	-1B	-1.9B	76.4M
Free cash flow	379M	431.9M	670.2M	828.6M	711.4M	442.2M	850.4M	1.1B	1.5B	1.8B

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	41.3M	34.8M	48.4M	53.9M	43.4M	63.7M	72.9M	76.1M	80.3M	79M	91.1M	105.1M
Depreciation & amortization	10M	9M	10.3M	9.7M	10M	10.2M	10.1M	10.3M	12.4M	9.1M	8.9M	8.4M
Stock-based compensation	7.1M	7.5M	7.6M	7.8M	8.1M	8.3M	7.9M	8.1M	8.5M	8.5M	8.7M	8.7M
Change in working capital	-12.1M	-14.5M	652K	41.5M	-78.8M	22.6M	-30.8M	18.5M	-8M	2.7M	-15.8M	42.6M
Operating cash flow	271.2M	-565.1M	348.1M	360.4M	377.3M	-688.7M	391.1M	446.3M	481.8M	498.8M	474.5M	544M
Capital expenditure	—	—	—	—	—	—	—	—	-11.3M	-11.7M	-10.8M	-12.6M
Investing cash flow	-432.2M	-554.4M	-432M	-395.7M	-471.4M	-568.8M	-496.7M	-517M	-605.1M	-802.8M	-753.4M	-658M
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	-36.4M	-66.8M	-151.4M	-63.4M	-23.3M	-51.2M	-85.5M	-55.3M	-38.4M	-35.3M	-39.6M	-19.8M
Financing cash flow	35.7M	286.2M	-125.3M	-101.4M	-215.9M	-5.8M	-296.1M	-572.5M	-294.8M	1.6B	290.4M	-935.1M
Net change in cash	-125.2M	-833.2M	-209.2M	-136.7M	-309.9M	-1.3B	-401.7M	-643.2M	-418.2M	1.2B	11.5M	-1B
Free cash flow	258.5M	302.5M	337.3M	349.9M	387.6M	420.3M	378.3M	436.1M	470.5M	487.1M	463.8M	531.4M

Enova International Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement