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Enova International, Inc.

ENVA Clue Score55
United States Fiscal year ends December CIK 0001529864
$178.07 -2.48% Close, 9 Oct 2026
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Price $178.07 +399.08% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue745.6Operating income121.5Net income34.6EPS, diluted1.03Fiscal year 2017Revenue728.9 −2.2%Operating income116.2Net income29.2 −15.5%EPS, diluted0.86 −16.5%Fiscal year 2018Revenue972.6 +33.4%Operating income175.5Net income70.1 +139.7%EPS, diluted1.99 +131.4%Fiscal year 2019Revenue1,174.8 +20.8%Operating income248.2Net income36.6 −47.8%EPS, diluted1.06 −46.7%Fiscal year 2020Revenue1,083.7 −7.8%Operating income357.8Net income377.8 +932.0%EPS, diluted11.70 +1,003.8%Fiscal year 2021Revenue1,207.9 +11.5%Operating income413.1Net income256.3 −32.2%EPS, diluted6.79 −42.0%Fiscal year 2022Revenue1,736.1 +43.7%Operating income384.0Net income207.4 −19.1%EPS, diluted6.19 −8.8%Fiscal year 2023Revenue2,117.6 +22.0%Operating income422.1Net income175.1 −15.6%EPS, diluted5.49 −11.3%Fiscal year 2024Revenue2,657.8 +25.5%Operating income584.8Net income209.4 +19.6%EPS, diluted7.43 +35.3%Fiscal year 2025Revenue3,151.7 +18.6%Operating income739.4Net income308.4 +47.2%EPS, diluted11.52 +55.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 745.6 728.9 972.6 1,174.8 1,083.7 1,207.9 1,736.1 2,117.6 2,657.8 3,151.7
Growth −2.2% +33.4% +20.8% −7.8% +11.5% +43.7% +22.0% +25.5% +18.6%
Operating income 121.5 116.2 175.5 248.2 357.8 413.1 384.0 422.1 584.8 739.4
Net income 34.6 29.2 70.1 36.6 377.8 256.3 207.4 175.1 209.4 308.4
Growth −15.5% +139.7% −47.8% +932.0% −32.2% −19.1% −15.6% +19.6% +47.2%
EPS, diluted 1.03 0.86 1.99 1.06 11.70 6.79 6.19 5.49 7.43 11.52
Growth −16.5% +131.4% −46.7% +1,003.8% −42.0% −8.8% −11.3% +35.3% +55.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2016Gross margin56.0%Operating margin16.3%Net margin4.6%Free cash flow margin50.8%Fiscal year 2017Gross margin51.5%Operating margin15.9%Net margin4.0%Free cash flow margin59.3%Fiscal year 2018Gross margin48.2%Operating margin18.0%Net margin7.2%Free cash flow margin68.9%Fiscal year 2019Gross margin48.7%Operating margin21.1%Net margin3.1%Free cash flow margin70.5%Fiscal year 2020Gross margin63.1%Operating margin33.0%Net margin34.9%Free cash flow margin65.6%Fiscal year 2021Gross margin84.8%Operating margin34.2%Net margin21.2%Free cash flow margin36.6%Fiscal year 2022Gross margin64.4%Operating margin22.1%Net margin11.9%Free cash flow margin49.0%Fiscal year 2023Gross margin58.1%Operating margin19.9%Net margin8.3%Free cash flow margin53.0%Fiscal year 2024Gross margin57.5%Operating margin22.0%Net margin7.9%Free cash flow margin56.3%Fiscal year 2025Gross margin58.1%Operating margin23.5%Net margin9.8%Free cash flow margin56.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin 56.0% 51.5% 48.2% 48.7% 63.1% 84.8% 64.4% 58.1% 57.5% 58.1%
Operating margin 16.3% 15.9% 18.0% 21.1% 33.0% 34.2% 22.1% 19.9% 22.0% 23.5%
Net margin 4.6% 4.0% 7.2% 3.1% 34.9% 21.2% 11.9% 8.3% 7.9% 9.8%
Free cash flow margin 50.8% 59.3% 68.9% 70.5% 65.6% 36.6% 49.0% 53.0% 56.3% 56.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow393.4Capital expenditure−14.4Free cash flow379.0Buybacks−0.4Fiscal year 2017Operating cash flow447.2Capital expenditure−15.2Free cash flow431.9 +14.0%Buybacks−5.1Fiscal year 2018Operating cash flow684.8Capital expenditure−14.7Free cash flow670.2 +55.2%Buybacks−17.3Fiscal year 2019Operating cash flow848.6Capital expenditure−20.1Free cash flow828.6 +23.6%Buybacks−33.8Fiscal year 2020Operating cash flow740.9Capital expenditure−29.5Free cash flow711.4 −14.1%Buybacks−56.4Fiscal year 2021Operating cash flow471.9Capital expenditure−29.7Free cash flow442.2 −37.8%Buybacks−116.7Fiscal year 2022Operating cash flow894.0Capital expenditure−43.6Free cash flow850.4 +92.3%Buybacks−143.1Fiscal year 2023Operating cash flow1,166.9Capital expenditure−45.2Free cash flow1,121.6 +31.9%Buybacks−153.2Fiscal year 2024Operating cash flow1,538.6Capital expenditure−43.4Free cash flow1,495.2 +33.3%Buybacks−289.3Fiscal year 2025Operating cash flow1,819.1Capital expenditure−47.1Free cash flow1,772.0 +18.5%Buybacks−214.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 393.4 447.2 684.8 848.6 740.9 471.9 894.0 1,166.9 1,538.6 1,819.1
Capital expenditure −14.4 −15.2 −14.7 −20.1 −29.5 −29.7 −43.6 −45.2 −43.4 −47.1
Free cash flow 379.0 431.9 670.2 828.6 711.4 442.2 850.4 1,121.6 1,495.2 1,772.0
Growth +14.0% +55.2% +23.6% −14.1% −37.8% +92.3% +31.9% +33.3% +18.5%
Buybacks −0.4 −5.1 −17.3 −33.8 −56.4 −116.7 −143.1 −153.2 −289.3 −214.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash39.9Total debt649.9Net cash (debt)−610.0Shareholders’ equity241.7Debt to equity2.69Fiscal year 2017Cash49.8Total debt788.5Net cash (debt)−738.8Shareholders’ equity281.7Debt to equity2.80Fiscal year 2018Cash28.1Total debt857.9Net cash (debt)−829.8Shareholders’ equity347.8Debt to equity2.47Fiscal year 2019Cash35.9Total debt991.2Net cash (debt)−955.3Shareholders’ equity376.6Debt to equity2.63Fiscal year 2020Cash297.3Total debt946.5Net cash (debt)−649.2Shareholders’ equity917.3Debt to equity1.03Fiscal year 2021Cash165.5Total debt1,384.4Net cash (debt)−1,218.9Shareholders’ equity1,093.1Debt to equity1.27Fiscal year 2022Cash100.2Total debt2,258.7Net cash (debt)−2,158.5Shareholders’ equity1,186.1Debt to equity1.90Fiscal year 2023Cash54.4Total debt2,943.8Net cash (debt)−2,889.4Shareholders’ equity1,240.2Debt to equity2.37Fiscal year 2024Cash73.9Total debt3,563.5Net cash (debt)−3,489.6Shareholders’ equity1,196.9Debt to equity2.98Fiscal year 2025Cash71.7Total debt4,498.4Net cash (debt)−4,426.7Shareholders’ equity1,336.7Debt to equity3.37
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 39.9 49.8 28.1 35.9 297.3 165.5 100.2 54.4 73.9 71.7
Total debt 649.9 788.5 857.9 991.2 946.5 1,384.4 2,258.7 2,943.8 3,563.5 4,498.4
Net cash (debt) −610.0 −738.8 −829.8 −955.3 −649.2 −1,218.9 −2,158.5 −2,889.4 −3,489.6 −4,426.7
Shareholders’ equity 241.7 281.7 347.8 376.6 917.3 1,093.1 1,186.1 1,240.2 1,196.9 1,336.7
Debt to equity 2.69 2.80 2.47 2.63 1.03 1.27 1.90 2.37 2.98 3.37

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
56.0% 51.5% 48.2% 48.7% 63.1% 84.8% 64.4% 58.1% 57.5% 58.1%
16.3% 15.9% 18.0% 21.1% 33.0% 34.2% 22.1% 19.9% 22.0% 23.5%
7.7% 2.7% 7.1% 14.5% 40.2% 27.9% 15.7% 10.7% 10.2% 12.7%
4.6% 4.0% 7.2% 3.1% 34.9% 21.2% 11.9% 8.3% 7.9% 9.8%
50.8% 59.3% 68.9% 70.5% 65.6% 36.6% 49.0% 53.0% 56.3% 56.2%
Spending
13.1% 13.7% 10.8% 9.3% 13.0% 13.0% 8.1% 7.6% 5.9% 5.4%
1.9% 2.1% 1.5% 1.7% 2.7% 2.5% 2.5% 2.1% 1.6% 1.5%
39.8% 10.5% 7.7% 24.7% 13.1% 23.8% 23.9% 22.9% 22.7% 23.1%
Returns
14.3% 10.4% 20.2% 9.7% 41.2% 23.4% 17.5% 14.1% 17.5% 23.1%
3.5% 2.5% 5.3% 2.3% 17.9% 9.3% 5.5% 3.8% 4.0% 4.8%
Balance and payout
2.69 2.80 2.47 2.63 1.03 1.27 1.90 2.37 2.98 3.37
75.3% 75.7% 73.9% 76.1% 56.4% 60.4% 68.6% 73.0% 77.3% 79.3%
0.1% 1.2% 2.6% 4.1% 7.9% 26.4% 16.8% 13.7% 19.3% 12.1%