stockrowEnova 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
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Enova International, Inc. (ENVA) Free cash flow
Enova International, Inc.'s free cash flow for fiscal 2025 was $1.8B, up 18.5% from $1.5B in fiscal 2024. Over the twelve months to 30 September 2026 it was $2.0B. Over the past ten years it has ranged from $251.7M (fiscal 2015) to $1.8B (fiscal 2025) — the current reading is the highest in ten years. Free cash flow has risen for 4 consecutive fiscal years. Enova International, Inc. ranks 10th of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | $1.8B | 18.51% |
| FY2024 | $1.5B | 33.30% |
| FY2023 | $1.1B | 31.90% |
| FY2022 | $850.4M | 92.31% |
| FY2021 | $442.2M | (37.84%) |
| FY2020 | $711.4M | (14.14%) |
| FY2019 | $828.6M | 23.63% |
| FY2018 | $670.2M | 55.15% |
| FY2017 | $431.9M | 13.98% |
| FY2016 | $379.0M | 50.58% |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | $524.0M | (1.40%) |
| Jun 2026 | $531.4M | 14.58% |
| Mar 2026 | $463.8M | (4.79%) |
| Dec 2025 | $487.1M | 3.54% |
| 43 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| OMF OneMain Holdings, Inc. compare | $3.2B |
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ENVA Enova International, Inc. | $2.0B |
| CACC Credit Acceptance Corporation compare | $1.3B |
| FCFS FirstCash Holdings, Inc. compare | $518.2M |
| NNI Nelnet, Inc. compare | $478.8M |
| SEZL Sezzle Inc. compare | −$3.9M |
| SLM SLM Corporation compare | −$381.6M |
| KLAR Klarna Group plc compare | −$3.8B |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement