Saturday 17 October 2026 Export ENVA’s income statement to Excel — free account

Enova International, Inc.

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.

177.89 0.37 +0.21%

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Market cap: $4.4B
P/E: 12.4×
Fwd P/E: 11.3×
Dividend yield: —
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 59.87

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	1	5	4	—	1	4	4	1	1	1	—

Insider Ownership 5.11%

Capital & Financial Ratios $m

Market Cap 4,420.00

Revenue 3,446.14

Net Income 355.45

Free Cash Flow 1,952.78

Net Debt 4,548.69

Current Ratio 18.42

Debt/Equity 3.35

P/E ratio 12.45

Fwd P/E 11.30

P/S ratio 1.28

P/B ratio 2.96

Past 5Y EPS Growth (0.31%)

This Y EPS Growth 33.31%

Next Y EPS Growth 21.34%

Next Y revenue growth 22.41%

Next 5Y EPS Growth 22.80%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 68.49%

10-year low 10-year high

P/S against its own 10 years 90.12%

10-year low 10-year high

P/B against its own 10 years 91.37%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	377	323	408	465
Receivables	116	104	122	113
Inventory	—	—	—	—
Other	—	—	—	—
	4,123	4,814	6,001	6,751

	2023	2024	2025	Q'26
Payables	261	250	306	335
ST’ Debt	—	—	—	—
Other	—	—	—	—
	402	506	633	366

Compound Annual Growth %

	10y	5y	3y
Sales	17.05%	23.80%	21.99%
Cash Flow	20.41%	19.68%	26.72%
Earnings	21.50%	(3.98%)	14.13%
Book Value	20.57%	7.79%	4.06%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	875	929	—	—	—
’25	746	764	803	839	3,152
’24	610	628	690	730	2,658
’23	483	499	551	584	2,118
’22	386	408	456	486	1,736
’21	259	265	320	364	1,208
’20	362	253	205	264	1,084

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	475	544	—	—	—
’25	391	447	482	499	1,819
’24	349	361	399	431	1,539
’23	282	299	271	314	1,167
’22	154	239	233	269	894
’21	117	103	105	147	472
’20	253	231	140	118	741

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	464	531	—	—	—
’25	378	436	470	487	1,772
’24	337	350	388	420	1,495
’23	272	289	258	302	1,122
’22	143	225	223	259	850
’21	110	96	98	139	442
’20	247	223	133	108	711

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	3.46	4.00	—	—	—
’25	2.69	2.86	3.03	3.00	11.52
’24	1.64	1.93	1.57	2.30	7.43
’23	1.56	1.50	1.29	1.13	5.49
’22	1.50	1.56	1.57	1.56	6.19
’21	2.03	2.10	1.36	1.30	6.79
’20	0.17	1.58	3.09	6.47	11.70

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	4.64	11.15	15.30	19.19	7.84	22.01	25.80	35.30	53.17	79.41	Analyst estimates 2026–2028 Powerpack
	High	13.90	16.80	39.00	31.95	29.33	43.47	47.88	58.64	108.15	168.68
People
People	Employees	1,099	1,109	1,218	1,325	1,549	1,463	1,804	1,675	1,787	1,836
	Revenue/emp, $m	0.68	0.66	0.80	0.89	0.70	0.83	0.96	1.26	1.49	1.72
Income, $m
Income, $m	Revenue	746	729	973	1,175	1,084	1,208	1,736	2,118	2,658	3,152
	Gross margin, %	56.01	51.50	48.24	48.68	63.13	84.79	64.37	58.08	57.55	58.07
	EBT	57	20	69	170	435	337	273	227	271	401
	EBT margin, %	7.70	2.70	7.08	14.48	40.18	27.91	15.70	10.73	10.20	12.72
	Net income	35	29	70	37	378	257	207	175	209	308
	Depreciation	22	20	20	21	32	42	43	48	56	58
Per share, $
Per share, $	Revenue	22.46	21.74	28.61	34.84	33.98	33.23	53.77	69.04	98.73	125.22
	Earnings	1.04	0.87	2.06	1.09	11.85	7.05	6.42	5.71	7.78	12.25
	Cash flow	11.85	13.34	20.15	25.17	23.23	12.98	27.69	38.04	57.15	72.28
	Capex	(0.43)	(0.45)	(0.43)	(0.59)	(0.92)	(0.82)	(1.35)	(1.47)	(1.61)	(1.87)
	Free cash flow	11.42	12.89	19.72	24.58	22.30	12.16	26.34	36.57	55.54	70.40
	Book value	7.28	8.40	10.23	11.17	28.81	30.07	36.73	40.43	44.46	53.11
	Shares, m	33	34	34	34	32	36	32	31	27	25
Valuation, ×
Valuation, ×	P/E	12.62	17.78	9.40	22.28	2.16	5.82	6.02	9.70	12.29	12.82
	P/S	0.59	0.72	0.68	0.69	0.73	1.23	0.72	0.80	0.97	1.26
	P/B	1.82	1.86	1.90	2.15	0.86	1.36	1.05	1.36	2.16	2.96
	EV/Sales	1.37	1.67	1.51	1.47	1.26	2.19	1.92	2.01	2.19	2.55
	EV/FCF	2.70	2.81	2.19	2.08	1.92	5.99	3.91	3.80	3.89	4.54
Cash, $m
Cash, $m	Operating cash flow	393	447	685	849	741	472	894	1,167	1,539	1,819
	Capex	(14)	(15)	(15)	(20)	(29)	(30)	(44)	(45)	(43)	(47)
	Free cash flow	379	432	670	829	711	442	850	1,122	1,495	1,772
Balance, $m
Balance, $m	Working capital	561	742	768	1,002	1,456	2,010	2,971	3,721	4,308	5,368
	Total debt	650	789	858	991	946	1,384	2,259	2,944	3,563	4,498
	Net debt	584	690	808	910	577	1,159	2,080	2,566	3,241	4,091
	Shareholders’ equity	242	282	348	377	919	1,093	1,186	1,240	1,197	1,337
Returns, %
Returns, %	ROA	3.81	2.74	5.62	2.52	20.52	10.53	6.34	4.19	4.25	5.26
	ROIC	9.20	7.47	9.50	12.06	14.95	11.47	7.35	6.93	8.24	8.52
	ROE	15.46	11.17	22.27	10.11	58.33	25.48	18.20	14.44	17.19	24.34

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OMF OneMain Holdings, Inc.	$6.4B	8.4×	7.6×	+7.19% (above 0%: growing)	−5.71% (below 0%: shrinking)	+3.36% (above 0%: growing)	79.93%	0.00%	Compare
CACC Credit Acceptance Corporation	$5.7B	11.7×	10.5×	+0.62% (above 0%: growing)	+71.79% (above 0%: growing)	+120.88% (above 0%: growing)	100.00%	50.07%	Compare
KLAR Klarna Group plc	$5.1B	— (loss-making)	8.2×	+26.61% (above 0%: growing)	n/m	−129.24% (below 0%: shrinking)	61.23%	2.59%	Compare
NNI Nelnet, Inc.	$4.6B	15.3×	15.0×	−22.95% (below 0%: shrinking)	−62.78% (below 0%: shrinking)	−52.33% (below 0%: shrinking)	79.01%	0.00%	Compare
SEZL Sezzle Inc.	$4.5B	27.0×	22.8×	+51.65% (above 0%: growing)	+47.56% (above 0%: growing)	+131.47% (above 0%: growing)	82.87%	36.72%	Compare
ENVA Enova International, Inc.	$4.4B	12.4×	11.3×	+21.58% (above 0%: growing)	+40.20% (above 0%: growing)	+21.85% (above 0%: growing)	61.15%	25.53%
SLM SLM Corporation	$4.2B	6.0×	7.1×	−1.93% (below 0%: shrinking)	−9.38% (below 0%: shrinking)	+2.81% (above 0%: growing)	59.84%	0.00%	Compare
BFH Bread Financial Holdings, Inc.	$3.9B	7.9×	8.2×	+3.39% (above 0%: growing)	+21.89% (above 0%: growing)	+1.93% (above 0%: growing)	100.00%	76.43%	Compare
UPST Upstart Holdings, Inc.	$2.4B	38.0×	32.5×	+41.75% (above 0%: growing)	+183.33% (above 0%: growing)	−14.74% (below 0%: shrinking)	83.19%	4.01%	Compare
Median of peers	$4.5B	11.7×	9.4×	+5.29%	+21.89%	+2.37%	81.40%	3.30%

All 55 Credit Services stocks →

Enova International, Inc. (ENVA) key facts

Strength: Enova International, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.2 billion, up 18.6% from fiscal 2024.
Strength: Net income was $308.4 million, or $12.25 per share (basic), a net margin of 9.78%.
Enova International, Inc. (ENVA) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, ENVA traded at $177.89, a market capitalization of $4.4 billion.
At that price the stock trades at 12.4× trailing-twelve-month earnings and 1.3× sales; its P/E is higher than 68% of its own readings over the past ten years.
Return on equity was 24.3% and debt-to-equity 3.35.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.