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Enova International, Inc.

ENVA Financial Credit Services

Enova International, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, up 18.6% from fiscal 2024.

Revenue
+25.7%
EPS
+33.9%
Free cash flow
+11.4%
Total debt
+30.9%

Quarter to September 2026, against a year earlier

172.46 1.82 −1.04%
Market cap
$4.3B
P/E
11.3×
Fwd P/E
11.0×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 72.43
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 1 5 4 — 1 4 4 1 1 1 4 —
Insider Ownership 6.77%

Capital & Financial Ratios $m

Size
Market Cap 4,260.00
Revenue ttm 3,652.63
Net income ttm 382.44
Free cash flow ttm 2,006.32
Net debt Q 4,880.48
Valuation
P/E 11.33
Forward P/E 11.00
Price / sales 1.19
Forward P/S Powerpack
Price / FCF 2.16
Price / book 2.76
Financial health
Current ratio Q 18.91
Debt / equity Q 3.43
Interest coverage Q 2.39
Growth
Revenue growth Q +25.73% (above 0%: growing)
Operating income growth Q +25.63% (above 0%: growing)
EPS, this year +33.35% (at or above 15%: strong)
EPS, next year A +23.39% (at or above 15%: strong)
Revenue, next year A +22.76% (at or above 10%: strong)
EPS, past 5 yrs −0.31% (below 0%: weak)
EPS, next 5 yrs A +24.39% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 58.12%
10-year low 10-year high
P/S against its own 10 years 82.69%
10-year low 10-year high
P/B against its own 10 years 89.40%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 377 323 408 496
Receivables 116 104 122 127
Inventory — — — —
Other — — — —
4,123 4,814 6,001 7,219
2023 2024 2025 Q'26
Payables 261 250 306 349
ST’ Debt — — — —
Other — — — —
402 506 633 382

Compound Annual Growth %

10y 5y 3y
Sales 17.05% 23.80% 21.99%
Cash Flow 20.41% 19.68% 26.72%
Earnings 21.50% (3.98%) 14.13%
Book Value 20.57% 7.79% 4.06%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 4.46 Actual 4.48

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 3.20 3.46 Beat by 0.26
Q1 FY26 3.66 3.87 Beat by 0.21
Q2 FY26 3.99 4.31 Beat by 0.32
Q3 FY26 4.46 4.48 Beat by 0.02
Q4 FY26 4.75 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 3.46 4.00 4.06 — —
’25 2.69 2.86 3.03 3.00 11.52
’24 1.64 1.93 1.57 2.30 7.43
’23 1.56 1.50 1.29 1.13 5.49
’22 1.50 1.56 1.57 1.56 6.19
’21 2.03 2.10 1.36 1.30 6.79
’20 0.17 1.58 3.09 6.47 11.70
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 875 929 1,009 — —
’25 746 764 803 839 3,152
’24 610 628 690 730 2,658
’23 483 499 551 584 2,118
’22 386 408 456 486 1,736
’21 259 265 320 364 1,208
’20 362 253 205 264 1,084
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 475 544 536 — —
’25 391 447 482 499 1,819
’24 349 361 399 431 1,539
’23 282 299 271 314 1,167
’22 154 239 233 269 894
’21 117 103 105 147 472
’20 253 231 140 118 741
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 464 531 524 — —
’25 378 436 470 487 1,772
’24 337 350 388 420 1,495
’23 272 289 258 302 1,122
’22 143 225 223 259 850
’21 110 96 98 139 442
’20 247 223 133 108 711
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 746 729 973 1,175 1,084 1,208 1,736 2,118 2,658 3,152 3,653 +17.4% 3,869 4,636 5,360 +19.4%
Gross margin, % 56.01 51.50 48.24 48.68 63.13 84.79 64.37 58.08 57.55 58.07 60.59 +2.1 pt
EBT 57 20 69 170 435 337 273 227 271 401 495 +24.1%
EBT margin, % 7.70 2.70 7.08 14.48 40.18 27.91 15.70 10.73 10.20 12.72 13.54 +5.0 pt
Net income 35 29 70 37 378 257 207 175 209 308 382 +27.5%
Per share, $
Per share, $ Revenue 22.46 21.74 28.61 34.84 33.98 33.23 53.77 69.04 98.73 125.22 146.84 +21.0%
Earnings 1.04 0.87 2.06 1.09 11.85 7.05 6.42 5.71 7.78 12.25 15.38 +31.5%
Cash flow 11.85 13.34 20.15 25.17 23.23 12.98 27.69 38.04 57.15 72.28 82.53 +22.2%
Capex (0.43) (0.45) (0.43) (0.59) (0.92) (0.82) (1.35) (1.47) (1.61) (1.87) (1.88) +17.6%
Free cash flow 11.42 12.89 19.72 24.58 22.30 12.16 26.34 36.57 55.54 70.40 80.66 +22.4%
Book value 7.28 8.40 10.23 11.17 28.81 30.07 36.73 40.43 44.46 53.11 63.06 +24.7%
Shares, m 33 34 34 34 32 36 32 31 27 25 25 (3.0%)
Valuation, ×
Valuation, × P/E 12.62 17.78 9.40 22.28 2.16 5.82 6.02 9.70 12.29 12.82 11.33 11.1
P/S 0.59 0.72 0.68 0.69 0.73 1.23 0.72 0.80 0.97 1.26 1.19 0.8
P/B 1.82 1.86 1.90 2.15 0.86 1.36 1.05 1.36 2.16 2.96 2.76 1.7
EV/Sales 1.37 1.67 1.51 1.47 1.26 2.19 1.92 2.01 2.19 2.55 — 1.8
EV/FCF 2.70 2.81 2.19 2.08 1.92 5.99 3.91 3.80 3.89 4.54 — 3.4
Cash, $m
Cash, $m Operating cash flow 393 447 685 849 741 472 894 1,167 1,539 1,819 2,053 +18.5%
Capex (14) (15) (15) (20) (29) (30) (44) (45) (43) (47) (47) +14.1%
Free cash flow 379 432 670 829 711 442 850 1,122 1,495 1,772 2,006 +18.7%
Balance, $m
Balance, $m Working capital 561 742 768 1,002 1,456 2,010 2,971 3,721 4,308 5,368 6,837 +28.5%
Net debt 584 690 808 910 577 1,159 2,080 2,566 3,241 4,091 4,880 +24.2%
Shareholders’ equity 242 282 348 377 919 1,093 1,186 1,240 1,197 1,337 1,569 +20.9%
Returns, %
Returns, % ROA 3.81 2.74 5.62 2.52 20.52 10.53 6.34 4.19 4.25 5.26 5.60 +1.5 pt
ROIC 9.20 7.47 9.50 12.06 14.95 11.47 7.35 6.93 8.24 8.52 8.51 (0.7) pt
ROE 15.46 11.17 22.27 10.11 58.33 25.48 18.20 14.44 17.19 24.34 26.82 +8.9 pt
People
People Employees 1,099 1,109 1,218 1,325 1,549 1,463 1,804 1,675 1,787 1,836 — +5.9%
Revenue/emp, $m 0.68 0.66 0.80 0.89 0.70 0.83 0.96 1.26 1.49 1.72 — +10.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Enova International, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FCFS FirstCash Holdings, Inc. $8.0B 20.4× 18.5× +17.70% (above 0%: growing) +25.27% (above 0%: growing) −12.69% (below 0%: shrinking) 49.54% 15.77% Compare
KLAR Klarna Group plc $7.7B — (loss-making) 8.2× +26.61% (above 0%: growing) n/m −129.24% (below 0%: shrinking) 61.23% 2.59% Compare
OMF OneMain Holdings, Inc. $6.5B 8.7× 8.7× +9.52% (above 0%: growing) −4.19% (below 0%: shrinking) −2.42% (below 0%: shrinking) 79.74% 0.00% Compare
CACC Credit Acceptance Corporation $5.3B 16.7× 8.8× +2.09% (above 0%: growing) n/m +11.81% (above 0%: growing) 100.00% 8.63% Compare
SEZL Sezzle Inc. $5.2B 28.6× 25.6× +42.56% (above 0%: growing) +82.05% (above 0%: growing) −101.48% (below 0%: shrinking) 0.00% 38.59% Compare
NNI Nelnet, Inc. $4.5B 16.8× 16.5× −22.95% (below 0%: shrinking) −27.55% (below 0%: shrinking) +575.59% (above 0%: growing) 79.01% 0.00% Compare
ENVA Enova International, Inc. $4.3B 11.3× 11.0× +25.73% (above 0%: growing) +33.85% (above 0%: growing) +11.38% (above 0%: growing) 60.88% 24.50%
BFH Bread Financial Holdings, Inc. $3.9B 8.0× 8.0× +2.96% (above 0%: growing) −1.26% (below 0%: shrinking) +0.17% (above 0%: growing) 100.00% 76.97% Compare
SLM SLM Corporation $3.2B 6.3× 8.9× −21.40% (below 0%: shrinking) n/m −115.63% (below 0%: shrinking) 57.53% 0.00% Compare
Median of peers $5.3B 16.7× 8.8× +6.24% −1.26% −7.55% 70.12% 5.61%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 2 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 11.70m 32.89m 635.00
2024 10.05m 27.22m 387.00
2023 9.90m 18.80m 223.00
2022 9.30m 8.00m 155.00
2021 10.69m 16.85m 165.00

Ownership

Directors and executive officers, together 8.40%
BlackRock Inc. 15.30%
The Vanguard Group 8.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Enova International, Inc. (ENVA) Latest News

1 Nov

Impact 3 · · The Motley Fool

27 Oct

Impact 4 ·

26 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 3 · · Exec Edge

24 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 4 · · StockStory
Impact 3 · · StockStory

22 Oct

Impact 4 · · Moby
Impact 4 · · MarketBeat transcript
Impact 4 · · PR Newswire
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · StockStory

21 Oct

Impact 3 · · Insider Monkey
Impact 3 · · StockStory

11 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.
Impact 4 · · Simply Wall St.

8 Oct

Impact 4 · · PR Newswire

28 Sep

Impact 4 · · Insider Monkey

25 Sep

Impact 4 · · Insider Monkey
Impact 3 · · StockStory

17 Sep

Impact 3 · · The Motley Fool

15 Sep

Impact 4 · · Proactive Investors
Impact 3 ·
Impact 3 ·

14 Sep

Impact 3 ·

3 Sep

Impact 3 · · MarketBeat

13 Aug

Impact 3 ·

ENVA metrics, ten years each

stockrow.com/ENVA · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com