Enova International, Inc. financials

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ENVA CIK 0001529864

Source: EDGAR filings · Built 2026-06-02T02:54:59Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 1.77B 1.50B 1.12B 850.37M 442.19M 711.38M
EBITDA 781.26M 624.97M 460.29M 420.86M 448.44M 377.53M
Net Debt 4.46B 3.52B 2.92B 2.19B 1.26B 717.14M
Gross Margin 58.07% 57.55% 58.08% 64.37% 84.79% 63.13%
Operating Margin 23.46% 22.00% 19.93% 22.12% 34.20% 33.02%
Net Margin 9.79% 7.88% 8.27% 11.95% 21.22% 34.87%
Return on Equity (ROE) 23.07% 17.50% 14.12% 17.49% 23.45% 41.19%
Return on Assets (ROA) 4.77% 3.98% 3.82% 5.49% 9.28% 17.92%
Debt-to-Equity 3.39× 3.00× 2.40× 1.93× 1.30× 1.11×
Effective Tax Rate 23.10% 22.74% 22.94% 23.90% 23.75% 13.13%
Cash Conversion Ratio 5.90× 7.35× 6.66× 4.31× 1.84× 1.96×
Accruals Ratio -0.23× -0.25× -0.22× -0.18× -0.08× -0.17×
SBC % of Revenue 1.05% 1.20% 1.26% 1.26% 1.75% 1.66%
CapEx Coverage 38.59× 35.43× 25.79× 20.49× 15.90× 25.12×
Free Cash Flow Per Share $66.18 $53.02 $35.14 $25.40 $11.72 $22.02

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 13.65× 12.90× 10.08× 6.20× 6.03× 2.12×
P/FCF 2.38× 1.81× 1.58× 1.51× 3.50× 1.12×
FCF Yield 42.10% 55.29% 63.47% 66.19% 28.61% 88.91%
EV / EBITDA 10.68× 9.59× 9.83× 8.05× 5.93× 4.25×
P/S 1.23× 0.93× 0.76× 0.69× 1.16× 0.82×
P/B 2.91× 2.07× 1.30× 1.01× 1.28× 0.97×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenues 3.15B 2.66B 2.12B 1.74B 1.21B 1.08B
Gross Profit 1.83B 1.53B 1.23B 1.12B 1.02B 684.19M
Operating Expenses 1.09B 944.69M 807.79M 733.57M 611.20M 326.40M
Operating Income (Loss) 739.43M 584.76M 422.13M 383.99M 413.06M 357.80M
Income Tax Expense (Benefit) 92.64M 61.65M 52.13M 65.15M 80.09M 57.19M
Net Income (Loss) Attributable to Parent 308.39M 209.45M 175.12M 207.42M 256.30M 377.84M
Earnings Per Share, Basic $12.25 $7.78 $5.71 $6.42 $7.05 $11.85
Weighted Average Number of Shares Outstanding, Basic 25.17M 26.92M 30.67M 32.29M 36.35M 31.90M
Earnings Per Share, Diluted $11.52 $7.43 $5.49 $6.19 $6.79 $11.70
Weighted Average Number of Shares Outstanding, Diluted 26.77M 28.20M 31.92M 33.48M 37.74M 32.30M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 71.71M 73.91M 54.36M 100.17M 165.48M 297.27M
Assets 6.47B 5.27B 4.59B 3.78B 2.76B 2.11B
Long-term Debt 4.50B 3.56B 2.94B 2.26B 1.38B 946.46M
Liabilities 5.13B 4.07B 3.35B 2.59B 1.67B 1.19B
Stockholders' Equity Attributable to Parent 1.34B 1.20B 1.24B 1.19B 1.09B 917.35M
Common Stock, Shares, Outstanding 24.72M 25.81M 29.09M 31.22M 34.14M 35.76M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 1.82B 1.54B 1.17B 894.00M 471.87M 740.87M
Payments to Acquire Property, Plant, and Equipment — — — — 29.67M 29.49M
Net Cash Provided by (Used in) Investing Activities -2.45B -1.91B -1.49B -1.67B -980.37M 83.58M
Payments for Repurchase of Common Stock 214.59M 289.29M 153.19M 143.07M 116.66M 56.41M
Net Cash Provided by (Used in) Financing Activities 711.82M 318.88M 526.54M 724.87M 365.15M -535.97M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

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Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (ENVA CIK 0001529864), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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