Enova International (ENVA) financial statements
Enova International reported revenue of $3.2B in fiscal 2025, up 17.4% a year over 9 years.
Net income was $308M and the operating margin 23.5%, against 16.3% in 2016.
Free cash flow was $1.8B, and the company returned $215M in net buybacks.
The diluted share count fell 20% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Enova International's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $746M | $729M | $973M | $1.2B | $1.1B | $1.2B | $1.7B | $2.1B | $2.7B | $3.2B |
| Cost of revenue | $328M | $353M | $503M | $603M | — | — | — | — | — | — |
| Gross profit | $418M | $375M | $469M | $572M | $684M | $1.0B | $1.1B | $1.2B | $1.5B | $1.8B |
| Selling, general and admin | $195M | $176M | $201M | $224M | $210M | $428M | $523M | $575M | $680M | $791M |
| Operating income | $121M | $116M | $176M | $248M | $358M | $413M | $384M | $422M | $585M | $739M |
| Interest expense | — | — | $79M | $76M | $87M | $77M | $116M | $195M | $290M | $339M |
| Pre-tax income | $57M | $20M | $69M | $170M | $435M | $337M | $273M | $227M | $271M | $401M |
| Income tax | $23M | $2M | $5M | $42M | $57M | $80M | $65M | $52M | $62M | $93M |
| Net income | $35M | $29M | $70M | $37M | $378M | $256M | $207M | $175M | $209M | $308M |
| EPS (diluted) | $1.03 | $0.86 | $1.99 | $1.06 | $11.70 | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 |
| Diluted shares | 33M | 34M | 35M | 34M | 32M | 38M | 33M | 32M | 28M | 27M |
| Gross margin | 56.0% | 51.5% | 48.2% | 48.7% | 63.1% | 84.8% | 64.4% | 58.1% | 57.5% | 58.1% |
| Operating margin | 16.3% | 15.9% | 18.0% | 21.1% | 33.0% | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% |
| Net margin | 4.6% | 4.0% | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
Balance sheet
Fiscal years, from Enova International's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $40M | $50M | $28M | $36M | $297M | $165M | $100M | $54M | $74M | $72M |
| Property, plant and equipment | $47M | $49M | $46M | $55M | $79M | $78M | $93M | $109M | $120M | $133M |
| Goodwill | $267M | $267M | $267M | $267M | $268M | $279M | $279M | $279M | $279M | $279M |
| Total assets | $978M | $1.2B | $1.3B | $1.6B | $2.1B | $2.8B | $3.8B | $4.6B | $5.3B | $6.5B |
| Total liabilities | $736M | $878M | $987M | $1.2B | $1.2B | $1.7B | $2.6B | $3.3B | $4.1B | $5.1B |
| Shareholders' equity | $242M | $282M | $348M | $377M | $917M | $1.1B | $1.2B | $1.2B | $1.2B | $1.3B |
| Net debt | -$40M | -$50M | -$28M | -$36M | -$297M | -$165M | -$100M | -$54M | -$74M | -$72M |
Cash flow
Fiscal years, from Enova International's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $393M | $447M | $685M | $849M | $741M | $472M | $894M | $1.2B | $1.5B | $1.8B |
| Capital spending | $14M | $15M | $15M | $20M | $29M | $30M | $44M | $45M | $43M | $47M |
| Free cash flow | $379M | $432M | $670M | $829M | $711M | $442M | $850M | $1.1B | $1.5B | $1.8B |
| Stock-based compensation | $9M | $11M | $12M | $12M | $18M | $21M | $22M | $27M | $32M | $33M |
| Share buybacks (net) | -$437,000 | -$5M | -$17M | -$34M | -$56M | -$117M | -$143M | -$153M | -$289M | -$215M |
| Free cash flow margin | 50.8% | 59.3% | 68.9% | 70.5% | 65.6% | 36.6% | 49.0% | 53.0% | 56.3% | 56.2% |
Questions
What was Enova International's revenue in 2025?
$3.2B in fiscal 2025, from its 10-K filing.
How much free cash flow does Enova International generate?
$1.8B in fiscal 2025 (operating cash flow minus capital spending).
From Enova International's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.