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) Operating cash flow
Enova International, Inc.'s operating cash flow for fiscal 2025 was $1.8B, up 18.2% from $1.5B in fiscal 2024. Over the twelve months to 30 September 2026 it was $2.1B. Over the past ten years it has ranged from $283.9M (fiscal 2015) to $1.8B (fiscal 2025) — the current reading is the highest in ten years. Operating cash flow has risen for 4 consecutive fiscal years. Enova International, Inc. ranks 10th of 52 Credit Services companies by operating cash flow.
Operating cash flow, annual
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Annual newest first
| Period | Operating cash flow | Change |
|---|---|---|
| FY2025 | $1.8B | 18.23% |
| FY2024 | $1.5B | 31.86% |
| FY2023 | $1.2B | 30.52% |
| FY2022 | $894.0M | 89.46% |
| FY2021 | $471.9M | (36.31%) |
| FY2020 | $740.9M | (12.70%) |
| FY2019 | $848.6M | 23.92% |
| FY2018 | $684.8M | 53.15% |
| FY2017 | $447.2M | 13.68% |
| FY2016 | $393.4M | 38.55% |
Quarterly newest first
| Period | Operating cash flow | Change |
|---|---|---|
| Sep 2026 | $535.6M | (1.55%) |
| Jun 2026 | $544.0M | 14.64% |
| Mar 2026 | $474.5M | (4.87%) |
| Dec 2025 | $498.8M | 3.53% |
| 43 more quarters | Free account |
Against its own ten years
Operating cash flow against peers
| Company | Operating cash flow |
|---|---|
| OMF OneMain Holdings, Inc. compare | $3.2B |
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ENVA Enova International, Inc. | $2.1B |
| CACC Credit Acceptance Corporation compare | $1.3B |
| FCFS FirstCash Holdings, Inc. compare | $679.0M |
| NNI Nelnet, Inc. compare | $478.8M |
| SEZL Sezzle Inc. compare | $275.6M |
| SLM SLM Corporation compare | −$381.6M |
| KLAR Klarna Group plc compare | −$3.8B |
What Operating cash flow is
Operating Cash Flow shows how much cash a company’s day-to-day business actually brings in, after paying suppliers, staff and taxes.
Reported line item
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free 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