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. In the quarter to June 2026, revenue grew 21.6%, EPS grew 40.2%, free cash flow grew 21.9% and total debt rose 26.5%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three.
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An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue |
745.57 | 728.90 | 972.62 | 1,174.76 | 1,083.71 | 1,207.93 | 1,736.09 | 2,117.64 | 2,657.80 | 3,151.65 |
Revenue Growth |
14.25% | (2.24%) | 33.44% | 20.78% | (7.75%) | 11.46% | 43.72% | 21.98% | 25.51% | 18.58% |
Cost of Revenue |
327.97 | 353.49 | 503.41 | 602.89 | 399.52 | 183.67 | 618.52 | 887.72 | 1,128.35 | 1,321.41 |
Gross Profit |
417.60 | 375.42 | 469.22 | 571.86 | 684.19 | 1,024.26 | 1,117.56 | 1,229.92 | 1,529.45 | 1,830.24 |
R&D Expenses |
85.20 | 69.63 | 78.37 | 84.26 | 96.28 | 147.70 | 173.67 | 194.91 | 224.39 | 258.18 |
SG&A Expenses |
195.36 | 176.31 | 201.10 | 224.34 | 210.38 | 428.12 | 523.04 | 574.73 | 680.09 | 790.80 |
Operating Income |
121.48 | 116.19 | 175.55 | 248.21 | 357.80 | 413.06 | 383.99 | 422.14 | 584.76 | 739.43 |
Non-operating Income/Expense |
(64.04) | (96.52) | (106.67) | (78.14) | 77.62 | (75.91) | (111.42) | (194.89) | (313.66) | (338.40) |
Non-operating Interest Expenses |
65.60 | 74.01 | 79.36 | 75.60 | 86.69 | 76.51 | 115.89 | 194.78 | 290.44 | 339.31 |
| 57.44 | 19.67 | 68.87 | 170.07 | 435.42 | 337.16 | 272.57 | 227.25 | 271.10 | 401.03 | |
Income Tax Provision |
22.83 | 2.06 | 5.30 | 42.05 | 57.19 | 80.09 | 65.15 | 52.13 | 61.65 | 92.65 |
Income after Tax |
34.60 | 17.61 | 63.57 | 128.02 | 378.23 | 257.07 | 207.42 | 175.12 | 209.45 | 308.39 |
Dividends (Preferred) |
— | 0.00 | — | 0.00 | 0.00 | 0.00 | — | — | 0.00 | — |
Non-Controlling Interest |
— | — | — | — | 0.09 | 0.77 | — | — | — | — |
Net Income Common |
34.60 | 29.24 | 70.10 | 36.61 | 377.84 | 256.30 | 207.42 | 175.12 | 209.45 | 308.39 |
EPS (Basic) |
1.04 | 0.87 | 2.06 | 1.09 | 11.85 | 7.05 | 6.42 | 5.71 | 7.78 | 12.25 |
EPS (Diluted) |
1.03 | 0.86 | 1.99 | 1.06 | 11.70 | 6.79 | 6.19 | 5.49 | 7.43 | 11.52 |
Shares (Basic, Weighted) |
33.19 | 33.52 | 33.99 | 33.72 | 31.90 | 36.35 | 32.29 | 30.67 | 26.92 | 25.17 |
Shares (Diluted, Weighted) |
33.46 | 34.13 | 35.18 | 34.40 | 32.30 | 37.74 | 33.48 | 31.92 | 28.20 | 26.78 |
Gross Margin |
56.01% | 51.50% | 48.24% | 48.68% | 63.13% | 84.79% | 64.37% | 58.08% | 57.55% | 58.07% |
EBIT Margin |
16.29% | 15.94% | 18.05% | 21.13% | 33.02% | 34.20% | 22.12% | 19.93% | 22.00% | 23.46% |
EBT margin |
7.70% | 2.70% | 7.08% | 14.48% | 40.18% | 27.91% | 15.70% | 10.73% | 10.20% | 12.72% |
Net Profit Margin |
4.64% | 4.01% | 7.21% | 3.12% | 34.87% | 21.22% | 11.95% | 8.27% | 7.88% | 9.78% |
Free Cash Flow Margin |
50.83% | 59.26% | 68.90% | 70.53% | 65.64% | 36.61% | 48.98% | 52.97% | 56.26% | 56.22% |
EBITDA |
143.95 | 136.67 | 195.95 | 269.27 | 390.23 | 454.66 | 426.56 | 470.42 | 640.75 | 797.85 |
EBIT |
121.48 | 116.19 | 175.55 | 248.21 | 357.80 | 413.06 | 383.99 | 422.14 | 584.76 | 739.43 |
Income from Continuous Operations |
34.60 | 17.61 | 63.57 | 128.02 | 378.23 | 257.07 | 207.42 | 175.12 | 209.45 | 308.39 |
Income from Discontinued Operations |
— | 11.63 | 6.53 | (91.40) | (0.30) | — | — | — | — | — |
Consolidated Net Income/Loss |
34.60 | 29.24 | 70.10 | 36.61 | 377.93 | 257.07 | 207.42 | 175.12 | 209.45 | 308.39 |
EPS (Basic, from Continuous Ops) |
1.04 | 0.52 | 1.87 | 3.80 | 11.86 | 7.07 | 6.42 | 5.71 | 7.78 | 12.25 |
EPS (Basic, from Discontinued Ops) |
— | 0.35 | 0.19 | (2.71) | (0.01) | 0.00 | 0.00 | — | — | — |
EPS (Basic, Consolidated) |
1.04 | 0.87 | 2.06 | 1.09 | 11.85 | 7.07 | 6.42 | 5.71 | 7.78 | 12.25 |
EPS (Diluted, from Cont. Ops) |
1.03 | 0.52 | 1.81 | 3.72 | 11.71 | 6.81 | 6.19 | 5.49 | 7.43 | 11.52 |
EPS (Diluted, from Disc. Ops) |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
Shares (Diluted, Average) |
33.46 | 34.13 | 35.18 | 34.40 | 32.30 | 37.74 | 33.48 | 31.92 | 28.20 | 26.78 |
EPS (Diluted, Consolidated) |
1.03 | 0.86 | 1.99 | 1.06 | 11.70 | 6.81 | 6.19 | 5.49 | 7.43 | 11.52 |
EBITDA Margin |
19.31% | 18.75% | 20.15% | 22.92% | 36.01% | 37.64% | 24.57% | 22.21% | 24.11% | 25.32% |
Operating Cash Flow Margin |
52.76% | 61.35% | 70.41% | 72.24% | 68.36% | 39.06% | 51.50% | 55.10% | 57.89% | 57.72% |