What is ENVA revenue?

Enova International Inc. (ENVA) reported $3.65B of revenue for the twelve months ended Sep 30, 2026. That is up 20.1% from the year before. Revenue for fiscal 2025 was $3.15B.

Yes. Enova International Inc. earned $382.44M in net income for the twelve months ended Sep 30, 2026, a net margin of 10.5%.

How much cash and debt does ENVA have?

Enova International Inc. reported $105.96M in cash and cash equivalents and $5.38B of debt on its most recent balance sheet in SEC filings.

How fast is ENVA revenue growing?

Enova International Inc.'s revenue changed +18.6% in fiscal 2025, to $3.15B. Its compound annual growth rate was +23.8% over 5 years and +17.1% over 10 years.

What is ENVA gross margin?

Enova International Inc.'s gross profit was $2.21B on $3.65B of revenue for the twelve months ended Sep 30, 2026, a gross margin of 60.6%.

What is ENVA free cash flow?

Enova International Inc. generated $2.01B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $2.05B less capital expenditures.

What is ENVA earnings per share?

Diluted earnings per share were $14.46 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did ENVA last report financial results?

The latest statements here come from Enova International Inc.'s 10-Q filed on Oct 22, 2026, covering the period ended Sep 30, 2026.

Where does this ENVA financial data come from?

Quantisnow builds these statements from the structured XBRL data Enova International Inc. files with the SEC. It is provided for information only and is not investment advice.

Financials · ENVA

Enova International Inc. (ENVA) financials

For the twelve months ended Sep 30, 2026, Enova International Inc. reported $3.65B of revenue and $382.44M of net income.

Revenue, TTM: $3.65B
Revenue growth, YoY: +20.1%
Net income, TTM: $382.44M
Net income growth, YoY: +30.5%
Net margin: 10.5%
Free cash flow, TTM: $2.01B
EPS, diluted, TTM: $14.46
EPS growth, YoY: +33.0%
Cash: $105.96M
Total debt: $5.38B
P/E: 11.03
P/S: 1.16
Market cap: $4.22B

Annual revenue$3.15B

FY2016FY2025

Annual net income$308.39M

FY2016FY2025

Annual free cash flow$1.77B

FY2016FY2025

ENVA revenue and earnings growth

ENVA revenueQ3 2026$1.01B

Quarter YoY: +25.7%
QoQ: +8.6%
FY YoY: +18.6%
5Y CAGR: +23.8%
10Y CAGR: +17.1%

ENVA revenue was $1.01B in fiscal Q3 2026 (ended Sep 30, 2026), up 25.7% from a year earlier and up 8.6% from the prior quarter. For the full fiscal 2025 it was $3.15B, up 18.6% from fiscal 2024. Compound annual growth was +23.8% over 5 years and +17.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 14 fiscal years on file.

ENVA net incomeQ3 2026$107.30M

Quarter YoY: +33.6%
QoQ: +2.1%
FY YoY: +47.2%
5Y CAGR: -4.0%
10Y CAGR: +21.5%

ENVA net income was $107.30M in fiscal Q3 2026 (ended Sep 30, 2026), up 33.6% from a year earlier and up 2.1% from the prior quarter. For the full fiscal 2025 it was $308.39M, up 47.2% from fiscal 2024. Compound annual growth was -4.0% over 5 years and +21.5% over 10 years. It rose in 4 of the last 10 fiscal years.

ENVA EPSQ3 2026$4.06

Quarter YoY: +34.0%
QoQ: +1.5%
FY YoY: +55.0%
5Y CAGR: -0.3%
10Y CAGR: +24.1%

ENVA diluted EPS was $4.06 in fiscal Q3 2026 (ended Sep 30, 2026), up 34.0% from a year earlier and up 1.5% from the prior quarter. For the full fiscal 2025 it was $11.52, up 55.0% from fiscal 2024. Compound annual growth was -0.3% over 5 years and +24.1% over 10 years.

ENVA free cash flowQ3 2026$523.99M

Quarter YoY: +11.4%
QoQ: -1.4%
FY YoY: +18.5%
5Y CAGR: +20.0%
10Y CAGR: +21.6%

ENVA free cash flow was $523.99M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.4% from a year earlier and down 1.4% from the prior quarter. For the full fiscal 2025 it was $1.77B, up 18.5% from fiscal 2024. Compound annual growth was +20.0% over 5 years and +21.6% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 14 fiscal years on file.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$3.15B	$2.66B	$2.12B	$1.74B	$1.21B	$1.08B	$1.17B	$972.62M	$728.90M	$745.57M
Cost of revenue	-	-	-	-	-	-	$602.89M	$503.40M	$353.49M	$327.97M
Gross profit	$1.83B	$1.53B	$1.23B	$1.12B	$1.02B	$684.19M	$571.86M	$469.22M	$375.42M	$417.60M
Selling, general and admin	$169.72M	$156.52M	$160.26M	$140.46M	$156.96M	$140.60M	$109.20M	$105.14M	$99.75M	$97.96M
Operating income	$739.43M	$584.76M	$422.13M	$383.99M	$413.06M	$357.80M	$248.21M	$175.55M	$116.19M	$121.48M
Interest expense	$339.31M	$290.44M	$194.78M	$115.89M	$76.51M	$86.69M	$75.60M	$79.36M	-	-
Pre-tax income	$401.03M	$271.10M	$227.25M	$272.57M	$337.15M	$435.42M	$170.07M	$68.87M	$19.67M	$57.44M
Income tax	$92.64M	$61.65M	$52.13M	$65.15M	$80.09M	$57.19M	$42.05M	$5.30M	$2.06M	$22.83M
Net income	$308.39M	$209.45M	$175.12M	$207.42M	$256.30M	$377.84M	$36.61M	$70.10M	$29.24M	$34.60M
EPS, basic	$12.25	$7.78	$5.71	$6.42	$7.05	$11.85	$1.09	$2.06	$0.87	$1.04
EPS, diluted	$11.52	$7.43	$5.49	$6.19	$6.79	$11.70	$1.06	$1.99	$0.86	$1.03
Diluted shares	26.8M	28.2M	31.9M	33.5M	37.7M	32.3M	34.4M	35.2M	34.1M	33.5M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$71.71M	$73.91M	$54.36M	$100.17M	$165.48M	$297.27M	$35.90M	$28.11M	$49.77M	$39.93M
Goodwill	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$267.97M	$267.01M	$267.01M	$267.01M	$267.01M
Total assets	$6.47B	$5.27B	$4.59B	$3.78B	$2.76B	$2.11B	$1.57B	$1.33B	$1.16B	$977.88M
Total debt	$4.50B	$3.56B	$2.94B	$2.26B	$1.38B	$946.46M	$991.18M	$857.93M	$788.54M	$649.91M
Total liabilities	$5.13B	$4.07B	$3.35B	$2.59B	$1.67B	$1.19B	$1.20B	$986.58M	$877.77M	$736.18M
Shareholders' equity	$1.34B	$1.20B	$1.24B	$1.19B	$1.09B	$918.83M	$376.61M	$347.77M	$281.69M	$241.70M

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$1.82B	$1.54B	$1.17B	$894.00M	$471.87M	$740.87M	$848.64M	$684.84M	$447.17M	$393.37M
Capital expenditures	$47.14M	$43.42M	$45.24M	$43.63M	$29.67M	$29.49M	$20.06M	$14.66M	$15.23M	$14.40M
Free cash flow	$1.77B	$1.50B	$1.12B	$850.37M	$442.19M	$711.38M	$828.58M	$670.18M	$431.95M	$378.98M
Investing cash flow	-$2.45B	-$1.91B	-$1.49B	-$1.67B	-$980.37M	$83.58M	-$941.40M	-$720.93M	-$524.57M	-$464.45M
Financing cash flow	$711.82M	$318.88M	$526.54M	$724.87M	$365.15M	-$535.97M	$95.48M	$22.48M	$104.58M	$99.88M
Share repurchases	$214.59M	$289.29M	$153.19M	$143.07M	$116.66M	$56.41M	$33.78M	$17.31M	$5.08M	$437.0K
Stock-based compensation	$33.10M	$31.82M	$26.74M	$21.95M	$21.18M	$18.04M	$11.97M	$11.66M	$11.31M	$8.52M
Depreciation and amortization	$41.83M	$40.21M	$38.16M	$36.87M	$35.38M	$19.73M	$15.05M	$14.20M	$13.28M	$15.56M

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	18.6%	25.5%	22.0%	43.7%	11.5%	-7.8%	20.8%	33.4%	-2.2%	14.2%
Net income growth, YoY	47.2%	19.6%	-15.6%	-19.1%	-32.2%	932.0%	-47.8%	139.7%	-15.5%	-21.3%
EPS growth, YoY	55.0%	35.3%	-11.3%	-8.8%	-42.0%	1003.8%	-46.7%	131.4%	-16.5%	-22.6%
Gross margin	58.1%	57.5%	58.1%	64.4%	84.8%	63.1%	48.7%	48.2%	51.5%	56.0%
Operating margin	23.5%	22.0%	19.9%	22.1%	34.2%	33.0%	21.1%	18.0%	15.9%	16.3%
Net margin	9.8%	7.9%	8.3%	11.9%	21.2%	34.9%	3.1%	7.2%	4.0%	4.6%
Free cash flow margin	56.2%	56.3%	53.0%	49.0%	36.6%	65.6%	70.5%	68.9%	59.3%	50.8%
Return on equity	23.1%	17.5%	14.1%	17.5%	23.4%	41.1%	9.7%	20.2%	10.4%	14.3%
Return on assets	4.8%	4.0%	3.8%	5.5%	9.3%	17.9%	2.3%	5.3%	2.5%	3.5%
Debt to equity	3.37	2.98	2.37	1.90	1.27	1.03	2.63	2.47	2.80	2.69

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue	$1.01B	$928.93M	$875.14M	$839.39M	$802.68M	$764.04M	$745.54M	$729.55M	$689.92M	$628.44M	$609.89M	$583.59M
Gross profit	$614.36M	$568.07M	$528.96M	$501.89M	$460.71M	$441.46M	$426.18M	$413.04M	$400.36M	$370.19M	$345.87M	$325.04M
Selling, general and admin	$46.16M	$44.08M	$47.78M	$47.09M	$39.66M	$40.51M	$42.46M	$38.03M	$38.92M	$39.71M	$39.87M	$49.15M
Operating income	$247.21M	$237.15M	$207.11M	$186.65M	$196.78M	$184.11M	$171.90M	$155.20M	$153.71M	$145.06M	$130.79M	$97.54M
Interest expense	$103.50M	$97.82M	$94.05M	$89.03M	$86.95M	$82.78M	$80.54M	$76.99M	$76.90M	$70.95M	$65.60M	$57.21M
Pre-tax income	$142.84M	$140.11M	$112.86M	$98.78M	$110.17M	$101.05M	$91.03M	$77.40M	$55.49M	$73.56M	$64.66M	$41.63M
Income tax	$35.54M	$35.05M	$21.77M	$19.80M	$29.86M	$24.90M	$18.08M	$13.70M	$12.07M	$19.65M	$16.23M	$6.86M
Net income	$107.30M	$105.06M	$91.10M	$78.98M	$80.31M	$76.15M	$72.94M	$63.70M	$43.41M	$53.91M	$48.43M	$34.77M
EPS, basic	$4.31	$4.22	$3.66	$3.18	$3.22	$3.01	$2.84	$2.42	$1.64	$2.00	$1.72	$1.19
EPS, diluted	$4.06	$4.00	$3.46	$2.94	$3.03	$2.86	$2.69	$2.29	$1.57	$1.93	$1.64	$1.14
Diluted shares	26.4M	26.3M	26.3M	-	26.5M	26.6M	27.1M	-	27.7M	27.9M	29.5M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Cash and equivalents	$105.96M	$122.23M	$96.13M	$71.71M	$53.60M	$55.56M	$55.51M	$73.91M	$67.50M	$60.14M	$76.46M	$54.36M
Goodwill	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M	$279.27M
Total assets	$7.70B	$7.22B	$6.88B	$6.47B	$5.96B	$5.72B	$5.46B	$5.27B	$4.98B	$4.82B	$4.64B	$4.59B
Total debt	$5.38B	$5.01B	$4.83B	$4.50B	$4.11B	$3.96B	$3.76B	$3.56B	$3.29B	$3.19B	$3.04B	$2.94B
Total liabilities	$6.13B	$5.73B	$5.48B	$5.13B	$4.68B	$4.50B	$4.26B	$4.07B	$3.80B	$3.67B	$3.49B	$3.35B
Shareholders' equity	$1.57B	$1.50B	$1.40B	$1.34B	$1.28B	$1.23B	$1.20B	$1.20B	$1.18B	$1.15B	$1.15B	$1.24B

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Operating cash flow	$535.62M	$544.03M	$474.54M	$498.81M	$481.80M	$447.36M	$391.14M	$430.52M	$398.55M	$360.94M	$348.56M	$314.29M
Capital expenditures	$11.62M	$12.61M	$10.75M	$11.70M	$11.35M	$11.22M	$12.88M	$10.18M	$10.93M	$11.09M	$11.22M	$11.81M
Free cash flow	$523.99M	$531.42M	$463.79M	$487.12M	$470.46M	$436.14M	$378.27M	$420.34M	$387.62M	$349.86M	$337.34M	$302.48M
Investing cash flow	-$811.82M	-$657.97M	-$753.37M	-$802.81M	-$605.15M	-$528.24M	-$509.59M	-$578.96M	-$482.28M	-$406.77M	-$443.18M	-$566.22M
Financing cash flow	$307.45M	$158.29M	$292.12M	$355.09M	$100.78M	$148.63M	$107.33M	$216.97M	$66.75M	$89.13M	-$53.98M	$432.97M
Share repurchases	$46.28M	$19.78M	$39.59M	$35.33M	$38.40M	$55.32M	$85.54M	$51.24M	$23.32M	$63.37M	$151.37M	$66.76M
Stock-based compensation	$9.42M	$8.75M	$8.71M	$8.52M	$8.54M	$8.11M	$7.94M	$8.30M	$8.12M	$7.76M	$7.64M	$7.46M
Depreciation and amortization	$10.62M	$8.42M	$8.91M	$9.07M	$12.36M	$10.35M	$10.06M	$10.20M	$10.04M	$9.71M	$10.26M	$9.03M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue growth, YoY	25.7%	21.6%	17.4%	15.1%	16.3%	21.6%	22.2%	25.0%	25.1%	25.8%	26.2%	20.0%
Net income growth, YoY	33.6%	38.0%	24.9%	24.0%	85.0%	41.2%	50.6%	83.2%	5.2%	12.0%	-4.9%	-31.7%
EPS growth, YoY	34.0%	39.9%	28.6%	28.4%	93.0%	48.2%	64.0%	100.9%	21.7%	28.7%	5.1%	-26.9%
Gross margin	60.9%	61.2%	60.4%	59.8%	57.4%	57.8%	57.2%	56.6%	58.0%	58.9%	56.7%	55.7%
Operating margin	24.5%	25.5%	23.7%	22.2%	24.5%	24.1%	23.1%	21.3%	22.3%	23.1%	21.4%	16.7%
Net margin	10.6%	11.3%	10.4%	9.4%	10.0%	10.0%	9.8%	8.7%	6.3%	8.6%	7.9%	6.0%
Free cash flow margin	51.9%	57.2%	53.0%	58.0%	58.6%	57.1%	50.7%	57.6%	56.2%	55.7%	55.3%	51.8%
Debt to equity	3.43	3.35	3.45	3.37	3.20	3.23	3.14	2.98	2.79	2.78	2.64	2.37

Source: XBRL data Enova International Inc. files with the SEC, latest filing dated Oct 22, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

ENVA peers

Company	Revenue	Growth	Net income	Net margin	Market cap
ENVA	$3.65B	+20.1%	$382.44M	10.5%	$4.22B
AXPAmerican Express Company	$77.59B	+10.2%	$12.26B	15.8%	$215.24B
SPGIS&P Global Inc.	$17.21B	+18.2%	$4.99B	29.0%	$135.62B
MCOMoody's Corporation	$8.18B	+9.0%	$2.88B	35.3%	$87.18B
NUNu Holdings Ltd.	$15.77B	+37.0%	$2.87B	18.2%	$58.39B
RKTRocket Companies Inc.	$11.46B	+90.4%	$1.30B	11.4%	$42.74B
COINCoinbase Global Inc.	$5.63B	-26.6%	-$701.62M	-12.5%	$35.68B
AFRMAffirm Holdings Inc.	$4.59B	+32.7%	$2.01B	43.9%	$23.08B
SYFSynchrony Financial	$19.31B	+2.6%	$3.33B	17.3%	$22.96B

ENVA FAQ

9 questions

What is ENVA revenue?
Enova International Inc. (ENVA) reported $3.65B of revenue for the twelve months ended Sep 30, 2026. That is up 20.1% from the year before. Revenue for fiscal 2025 was $3.15B.
Is ENVA profitable?
Yes. Enova International Inc. earned $382.44M in net income for the twelve months ended Sep 30, 2026, a net margin of 10.5%.
How much cash and debt does ENVA have?
Enova International Inc. reported $105.96M in cash and cash equivalents and $5.38B of debt on its most recent balance sheet in SEC filings.
How fast is ENVA revenue growing?
Enova International Inc.'s revenue changed +18.6% in fiscal 2025, to $3.15B. Its compound annual growth rate was +23.8% over 5 years and +17.1% over 10 years.
What is ENVA gross margin?
Enova International Inc.'s gross profit was $2.21B on $3.65B of revenue for the twelve months ended Sep 30, 2026, a gross margin of 60.6%.
What is ENVA free cash flow?
Enova International Inc. generated $2.01B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $2.05B less capital expenditures.
What is ENVA earnings per share?
Diluted earnings per share were $14.46 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did ENVA last report financial results?
The latest statements here come from Enova International Inc.'s 10-Q filed on Oct 22, 2026, covering the period ended Sep 30, 2026.
Where does this ENVA financial data come from?
Quantisnow builds these statements from the structured XBRL data Enova International Inc. files with the SEC. It is provided for information only and is not investment advice.