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) Return on equity
Enova International, Inc.'s return on equity over the twelve months to 30 September 2026 was 26.8%, up 2.5 percentage points from fiscal 2025 (24.3%). Over the past ten years it has ranged from 10.1% (fiscal 2019) to 58.3% (fiscal 2020); the current reading is higher than 73% of that period. That is above the Credit Services industry median of 9.05% and above the Financial sector median of 9.01%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 24.3% | 7.15 |
| FY2024 | 17.2% | 2.75 |
| FY2023 | 14.4% | (3.76) |
| FY2022 | 18.2% | (7.28) |
| FY2021 | 25.5% | (32.85) |
| FY2020 | 58.3% | 48.22 |
| FY2019 | 10.1% | (12.16) |
| FY2018 | 22.3% | 11.10 |
| FY2017 | 11.2% | (4.29) |
| FY2016 | 15.5% | (8.98) |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| SEZL Sezzle Inc. compare | 84.3% |
| SLM SLM Corporation compare | 27.0% |
| ENVA Enova International, Inc. | 26.8% |
| CACC Credit Acceptance Corporation compare | 22.7% |
| OMF OneMain Holdings, Inc. compare | 22.7% |
| FCFS FirstCash Holdings, Inc. compare | 18.2% |
| BFH Bread Financial Holdings, Inc. compare | 15.6% |
| NNI Nelnet, Inc. compare | 7.55% |
| KLAR Klarna Group plc compare | −5.67% |
| Credit Services industry median | 9.05% |
| Financial sector median | 9.01% |
| Market median | 0.51% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (latest quarter)
More on ENVA
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- 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 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