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Friday 6 November 2026
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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
171.54
2.74
−1.57%
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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% |
In millions of $ except per-share values · columns are period end dates · fundamentals updated 2 Nov 2026