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Enova International ENVA · USD

Financials · US listing · 🇺🇸 United States

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168.34

-2.40%

Close of 9 Nov 2026, in USD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in USD, from our data supplier.

FY2025

Revenue, before interest expense

$3.15bn

FY2016FY2025

Net income

$308.4m

FY2016FY2025

Total assets

$6.47bn

FY2016FY2025

Shareholders' equity

$1.34bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense$3.15bn$2.66bn$2.12bn$1.74bn$1.21bn$1.08bn$1.17bn$972.6m$728.9m$745.6m
Research and development$67.5m—$0$0$0$0$0$0$0$0
Operating income$739.4m$584.8m$422.1m$384.0m$413.1m$444.5m$248.2m$148.2m$93.7m$123.0m
Net income$308.4m$209.4m$175.1m$207.4m$256.3m$377.8m$36.6m$70.1m$29.2m$34.6m
Diluted earnings per share11.707.575.676.366.8710.601.072.000.861.02

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets$6.47bn$5.27bn$4.59bn$3.78bn$2.76bn$2.11bn$1.57bn$1.33bn$1.16bn$977.9m
Cash and short-term investments$71.7m$73.9m$377.4m$100.2m$165.5m$297.3m$35.9m$52.9m$68.7m$39.9m
Total liabilities$5.13bn$4.07bn$3.35bn$2.59bn$1.67bn$1.19bn$1.20bn$980.4m$877.8m$736.2m
Debt$4.56bn$3.60bn$2.99bn$2.29bn$1.43bn$1.01bn$1.03bn$860.1m$791.5m$652.9m
Shareholders' equity$1.34bn$1.20bn$1.24bn$1.19bn$1.09bn$918.8m$376.6m$347.8m$281.7m$241.7m
Shares outstanding26m28m31m33m37m36m34m35m34m34m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense$493.7m$875.1m$839.4m$802.7m$764.0m$745.5m$729.6m$689.9m
Operating income$237.1m$209.8m$186.6m$196.8m$184.1m$171.9m$155.2m$153.7m
Net income$105.1m$91.1m$79.0m$80.3m$76.1m$72.9m$63.7m$43.4m
Diluted earnings per share3.993.463.003.052.892.772.301.57
Total assets$7.22bn$6.88bn$6.47bn$5.96bn$5.72bn$5.46bn$5.27bn$4.98bn
Cash and short-term investments$122.2m$96.1m$71.7m$53.6m$55.6m$55.5m$73.9m$67.5m
Debt$5.05bn$4.83bn$4.41bn$4.11bn$3.96bn$3.76bn$3.56bn$3.29bn
Shareholders' equity$1.50bn$1.40bn$1.34bn$1.28bn$1.23bn$1.20bn$1.20bn$1.18bn

Financial ratios

Data as of 21 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Operating margin15.5%11.1%10.7%15.4%27.9%25.0%—
Net margin9.8%7.9%8.3%11.9%21.2%34.9%—
Return on equity23.1%17.5%14.1%17.5%23.4%41.1%—
Return on assets4.8%4.0%3.8%5.5%9.3%17.9%—
Revenue growth18.6%25.5%22.0%43.7%11.5%-7.8%—
Earnings growth47.2%19.6%-15.6%-19.1%-32.2%932.0%—
Current ratio0.23x9.96x15.79x16.67x14.70x13.03x—
Debt to equity3.30x2.98x2.39x1.93x1.29x1.07x—
Equity ratio20.7%22.7%27.0%31.4%39.6%43.6%—
Interest coverage2.88x1.01x1.17x2.31x4.40x3.13x—
R&D as a share of sales2.1%—0.0%0.0%0.0%0.0%0.0%
Buybacks as a share of market value4.7%10.4%5.3%12.6%-4.7%-4.5%—

Growth per year

Compound annual rate

3 years5 years10 years
Revenue22.0%23.8%17.1%
Operating income24.4%10.7%19.5%
Net income14.1%-4.0%21.5%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin22.8%22.0%25.0%23.0%
Net margin8.9%9.3%12.8%10.8%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings13.412.79.86.06.02.313.96.011.07.6
Price to sales1.31.00.80.71.30.80.40.40.40.3

Market value over time

30 Nov 2016 to 20 Oct 2026, in USD

$396.1m$4.73bn

Share price return

Finished calendar years

2025202420232022202120202019201820172016
Return74%72%46%-1%57%64%29%19%21%92%

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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