ENVA
Enova Intl (ENVA)
NYSE
$210.98+$6.24 (+3.05%)
Price as of Jun 23, 2026 4:10 PM EDT
  • $5.1B
    Market Cap
  • 105.19%
    1-Year Change
  • Credit Services
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
3.2B
+18.58%
2.7B
+25.51%
2.1B
+21.98%
1.7B
+43.72%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
1.8B
+19.67%
1.5B
+24.35%
1.2B
+10.05%
1.1B
+9.11%
Sales and Marketing Expense
621.1M
+18.62%
523.6M
+26.33%
414.5M
+8.33%
382.6M
+41.09%
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
41.8M
+4.04%
40.2M
+5.37%
38.2M
+3.50%
36.9M
+4.22%
Total Operating Expenses
1.1B
+15.47%
944.7M
+16.95%
807.8M
+10.12%
733.6M
+20.02%
Operating Profit
739.4M
+26.45%
584.8M
+38.52%
422.1M
+9.93%
384.0M
-7.04%
Interest Income
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Interest Expense
-339.3M
+16.82%
-290.4M
+49.11%
-194.8M
+68.08%
-115.9M
+51.47%
Interest Income and Expense and Net
-339.3M
+16.82%
-290.4M
+49.11%
-194.8M
+68.08%
-115.9M
+51.47%
Total Nonoperating Income and Expense
-1.0M
-82.09%
-5.7M
+1,918.09%
-282,000
-78.65%
-1.3M
-32.94%
Income before Taxes
401.0M
+47.93%
271.1M
+19.30%
227.2M
-16.63%
272.6M
-19.15%
Income Taxes
92.6M
+50.27%
61.7M
+18.28%
52.1M
-19.99%
65.2M
-18.65%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
308.4M
+47.24%
209.4M
+19.60%
175.1M
-15.57%
207.4M
-19.07%
Net Income from Continuing Operations Applicable to Common
401.0M
+47.93%
271.1M
+19.30%
227.2M
+9.56%
207.4M
-19.07%
Basic EPS and Net Income
12.25
+57.46%
7.78
+36.25%
5.71
-11.06%
6.42
-8.94%
Diluted EPS and Net Income
11.52
+55.05%
7.43
+35.34%
5.49
-11.31%
6.19
-8.84%
Basic Weighted Average Shares
25.2M
-6.50%
26.9M
-12.24%
30.7M
-5.01%
32.3M
-11.17%
Diluted Weighted Average Shares
26.8M
-5.06%
28.2M
-11.65%
31.9M
-4.67%
33.5M
-11.27%
Balance Sheet
Cash and Cash Equivalents
71.7M
-2.98%
73.9M
+35.97%
54.4M
-45.73%
100.2M
-39.47%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
71.7M
-2.98%
73.9M
+35.97%
54.4M
-45.73%
100.2M
-39.47%
Total Current Assets
35.2M
+45.51%
24.2M
-41.82%
41.6M
-24.00%
54.7M
+6.63%
Accumulated Depreciation
120.1M
-15.03%
141.3M
+7.75%
131.1M
+12.70%
116.3M
+11.19%
Property and Plant and Equipment and Net
132.6M
+10.51%
120.0M
+10.35%
108.7M
+16.60%
93.2M
+18.91%
Total Long-Term Assets
35.2M
+45.51%
24.2M
-41.82%
41.6M
-24.00%
54.7M
+6.63%
Total Assets
6.5B
+22.83%
5.3B
+14.84%
4.6B
+21.28%
3.8B
+36.92%
Income Taxes Payable
295.4M
+32.13%
223.6M
+97.26%
113.3M
+8.81%
104.2M
+16.30%
Total Short-Term Debt
596.0M
+31.57%
453.0M
+27.25%
356.0M
+15.21%
309.0M
+54.50%
Total Current Liabilities
305.8M
+22.35%
250.0M
-4.28%
261.2M
+31.68%
198.3M
+27.05%
Total Long-Term Debt
4.5B
+26.24%
3.6B
+21.05%
2.9B
+30.33%
2.3B
+63.15%
Total Long-Term Liabilities
5.1B
+26.68%
4.0B
+26.44%
3.2B
+27.87%
2.5B
+56.36%
Total Liabilities
5.1B
+26.11%
4.1B
+21.64%
3.3B
+28.93%
2.6B
+55.52%
Retained Earnings
2.0B
+18.16%
1.7B
+14.07%
1.5B
+13.34%
1.3B
+18.76%
Total Stockholders Equity
1.3B
+11.68%
1.2B
-3.49%
1.2B
+4.56%
1.2B
+8.52%
Total Shares Outstanding
24.7M
-4.23%
25.8M
-11.28%
29.1M
-6.83%
31.2M
-8.56%
Cash Flow
Cash from Operating Activities
1.8B
+18.23%
1.5B
+31.86%
1.2B
+30.52%
894.0M
+89.46%
Capital Expenditures
47.1M
+8.56%
43.4M
-4.02%
45.2M
+3.69%
43.6M
+47.03%
Cash from Investing Activities
-2.4B
+27.97%
-1.9B
+27.87%
-1.5B
-10.30%
-1.7B
+69.96%
Dividends Paid
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash from Financing Activities
711.8M
+123.22%
318.9M
-39.44%
526.5M
-27.36%
724.9M
+98.51%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
23.46%
+6.64%
22.00%
+10.37%
19.93%
-9.87%
22.12%
-35.32%
Return on Assets
5.26%
+23.61%
4.25%
+1.57%
4.19%
-33.98%
6.34%
-39.76%
Return on Equity
24.34%
+41.63%
17.19%
+19.07%
14.44%
-20.69%
18.20%
-28.61%
Revenue Growth
18.58%
-27.15%
25.51%
+16.06%
21.98%
-49.73%
43.72%
+281.44%
Current Ratio
0.12
+18.90%
0.10
-39.20%
0.16
-42.30%
0.28
-16.06%
Cash Ratio
0.23
-20.70%
0.30
+42.10%
0.21
-58.80%
0.51
-52.35%
Debt-to-Equity Ratio
3.81
+13.57%
3.36
+26.12%
2.66
+22.91%
2.16
+49.34%
Debt-to-Assets Ratio
0.79
+3.26%
0.76
+5.99%
0.72
+5.96%
0.68
+18.37%

Earnings & Revenue History

Debt-to-Assets

Cash Flow