ENVA

+ Watchlist + Portfolio

Enova International, Inc.

GridBrain — Sign in

GridSentinel — Sign in

GridAegis — Sign in

Key Metrics

Previous Close: $254.38
52-Week Range: $103.02 – $267.45
Market Cap: $5.91B
P/E (TTM): 17.64
EPS (TTM): 13.46
Dividend Yield: —

Advanced Metrics

Price/Book: 3.95
PEG Ratio: —
Return on Equity: 26.08%
Return on Assets: 5.49%
Gross Margin: 83.29%
Operating Margin: 29.94%
Profit Margin: 21.01%
Current Ratio: 20.15
Debt/Equity: 3.37
Total Debt: $5.05B
Free Cash Flow: —
Revenue Growth: 31.10%
Earnings Growth: 39.90%
Enterprise Value: $10.82B

ENVA Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.74B	$2.12B	$2.66B	$3.15B
Cost of Revenue	$734.41M	$1.08B	$1.42B	$1.66B
Gross Profit	$1.00B	$1.04B	$1.24B	$1.49B
Selling, General & Admin	$523.04M	$574.73M	$680.09M	$784.20M
Operating Expenses	$733.57M	$807.79M	$944.69M	$1.08B
Operating Income	$268.11M	$227.36M	$294.32M	$406.73M
EBITDA	$304.97M	$265.51M	$334.52M	$448.56M
Pretax Income	$272.57M	$227.25M	$271.10M	$401.03M
Income Tax	$65.15M	$52.13M	$61.65M	$92.64M
Net Income	$207.42M	$175.12M	$209.45M	$308.39M
Diluted EPS	6.19	5.49	7.43	11.52
Diluted Shares	33.48M	31.92M	28.20M	26.77M

ENVA Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$100.17M	$54.36M	$73.91M	$71.71M
Receivables	$3.13B	$3.75B	$4.49B	$5.59B
Current Assets	$3.31B	$4.12B	$4.81B	$6.00B
Total Assets	$3.78B	$4.59B	$5.27B	$6.47B
Current Liabilities	$198.32M	$261.16M	$249.97M	$395.85M
Long-Term Debt	$2.26B	$2.94B	$3.56B	$4.41B
Total Debt	$2.29B	$2.97B	$3.60B	$4.53B
Total Liabilities	$2.59B	$3.35B	$4.07B	$5.13B
Retained Earnings	$1.31B	$1.49B	$1.70B	$2.01B
Shareholders' Equity	$1.19B	$1.24B	$1.20B	$1.34B
Working Capital	$3.11B	$3.86B	$4.56B	$5.61B
Net Debt	$2.16B	$2.89B	$3.49B	$4.43B

ENVA Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$894.00M	$1.17B	$1.54B	$1.82B
Capital Expenditure	-$43.63M	-$45.24M	-$43.42M	-$47.14M
Free Cash Flow	$850.37M	$1.12B	$1.50B	$1.77B
Depreciation & Amortisation	$36.87M	$38.16M	$40.21M	$41.83M
Stock-Based Compensation	$21.95M	$26.74M	$31.82M	$33.10M
Investing Cash Flow	-$1.67B	-$1.49B	-$1.91B	-$2.45B
Financing Cash Flow	$724.87M	$526.54M	$318.88M	$711.82M
Share Repurchases	-$143.07M	-$153.19M	-$289.29M	-$214.59M
Net Change in Cash	-$47.41M	$198.75M	-$53.74M	$85.16M

ENVA Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$764.04M	$802.68M	$839.39M	$875.14M	$928.93M
Cost of Revenue	$405.37M	$428.93M	$426.52M	$440.23M	$458.68M
Gross Profit	$358.68M	$373.75M	$412.87M	$434.91M	$470.25M
Selling, General & Admin	$183.36M	$187.01M	$232.08M	$237.19M	$247.64M
Operating Expenses	$257.35M	$263.93M	$308.65M	$321.85M	$330.92M
Operating Income	$101.33M	$109.82M	$104.22M	$113.06M	$139.33M
EBITDA	$111.67M	$122.18M	$113.29M	$121.97M	$147.75M
Pretax Income	$101.05M	$110.17M	$98.78M	$112.86M	$140.11M
Income Tax	$24.90M	$29.86M	$19.80M	$21.77M	$35.05M
Net Income	$76.15M	$80.31M	$78.98M	$91.10M	$105.06M
Diluted EPS	2.86	3.03	3.00	3.46	4.00
Diluted Shares	26646	26.47M	26.36M	26.35M	26274

ENVA Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$55.56M	$53.60M	$71.71M	$96.13M	$122.23M
Receivables	$4.89B	$5.14B	$5.59B	$5.99B	$6.29B
Current Assets	$5.27B	$5.50B	$6.00B	$6.41B	$6.75B
Total Assets	$5.72B	$5.96B	$6.47B	$6.88B	$7.22B
Current Liabilities	$257.51M	$252.91M	$395.85M	$412.11M	$334.88M
Long-Term Debt	$3.96B	$4.11B	$4.41B	$4.70B	$5.01B
Total Debt	$4.00B	$4.14B	$4.53B	$4.86B	$5.05B
Total Liabilities	$4.50B	$4.68B	$5.13B	$5.48B	$5.73B
Retained Earnings	$1.85B	$1.93B	$2.01B	$2.10B	$2.20B
Shareholders' Equity	$1.23B	$1.28B	$1.34B	$1.40B	$1.50B
Working Capital	$5.01B	$5.25B	$5.61B	$6.00B	$6.42B
Net Debt	$3.91B	$4.05B	$4.43B	$4.74B	$4.89B

ENVA Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$447.36M	$481.80M	$498.81M	$474.54M	$544.03M
Capital Expenditure	-$11.22M	-$11.35M	-$11.70M	-$10.75M	-$12.61M
Free Cash Flow	$436.14M	$470.46M	$487.12M	$463.79M	$531.42M
Depreciation & Amortisation	$10.35M	$12.36M	$9.07M	$8.91M	$8.42M
Stock-Based Compensation	$8.11M	$8.54M	$8.52M	$8.71M	$8.75M
Investing Cash Flow	-$528.24M	-$605.15M	-$802.81M	-$753.37M	-$657.97M
Financing Cash Flow	$148.63M	$100.78M	$355.09M	$292.12M	$158.29M
Share Repurchases	-$55.32M	-$38.40M	-$35.33M	-$39.59M	-$19.78M
Net Change in Cash	$67.75M	-$22.57M	$51.09M	$13.29M	$44.36M

Market Snapshot

About

Enova International, Inc. is a financial technology company providing online financial services to non-prime consumers and small businesses. The company offers installment loans, lines of credit, and financing solutions through its portfolio of brands including NetCredit, CashNetUSA, and OnDeck. Enova uses advanced analytics and machine learning to assess credit risk and provide access to credit for underserved markets. The company operates primarily in the United States, United Kingdom, and Brazil, serving millions of customers through digital channels.