ENVA
Enova International, Inc.
NYSE · Financial Services · Financial - Credit Services · US
$181.18
+3.47%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 3.2B | 3.2B | 2.7B | 2.1B | 1.7B |
| Cost of Revenue | 750.1M | 1.6B | 1.4B | 1.1B | 734.4M |
| Gross Profit | 2.5B | 1.6B | 1.2B | 1.0B | 1.0B |
| Operating Expenses | |||||
| R&D Expense | 67.5M | 67.5M | — | — | — |
| SG&A Expense | 999.3M | 790.8M | 680.1M | 574.7M | 523.0M |
| General & Admin Expense | 185.1M | 169.7M | 156.5M | 160.3M | 140.5M |
| Selling & Marketing Expense | 814.2M | 621.1M | 523.6M | 414.5M | 382.6M |
| Other Expenses | 519.7M | (17.8M) | (25.8M) | 38.3M | 94.6M |
| Total Operating Expenses | 1.6B | 840.5M | 654.2M | 613.0M | 617.7M |
| Cost and Expenses | 2.3B | 2.4B | 2.1B | 1.7B | 1.4B |
| Operating Income (EBIT) | 880.8M | 739.4M | 584.8M | 422.1M | 384.0M |
| Non-Operating | |||||
| Interest Income | — | — | — | — | — |
| Interest Expense | 663.0K | 169.6M | — | 194.8M | 115.9M |
| Net Interest Income | (663.0K) | (169.6M) | — | (194.8M) | (115.9M) |
| Other Non-Op Income/Expense | (386.2M) | (338.4M) | (313.7M) | (194.9M) | (111.4M) |
| Non-Operating Income (excl Interest) | 2.0M | 251.4M | 290.4M | 194.8M | 115.9M |
| EBT (Pre-Tax Income) | 494.6M | 401.0M | 271.1M | 227.2M | 272.6M |
| Income Tax Expense | 112.2M | 92.6M | 61.7M | 52.1M | 65.2M |
| Bottom Line | |||||
| Net Income | 382.4M | 308.4M | 209.4M | 175.1M | 207.4M |
| Earnings from Cont. Ops | 382.4M | 308.4M | 209.4M | 175.1M | 207.4M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 382.4M | 308.4M | 209.4M | 175.1M | 207.4M |
| Per Share | |||||
| Basic EPS | $15.38 | $12.26 | $7.78 | $5.71 | $6.42 |
| Diluted EPS | $14.51 | $11.58 | $7.43 | $5.49 | $6.19 |
| Revenue Per Share | $129.34 | $127.30 | $98.73 | $69.04 | $53.77 |
| Shares | |||||
| Basic Shares Outstanding | 24.9M | 24.8M | 26.9M | 30.7M | 32.3M |
| Diluted Shares Outstanding | 26.4M | 26.4M | 28.2M | 31.9M | 33.5M |
| Profitability Metrics | |||||
| EBITDA | 915.7M | 529.8M | 334.5M | 265.5M | 305.0M |
| D&A | 37.0M | 41.8M | 40.2M | 38.2M | 36.9M |
| EBIT | 878.7M | 488.0M | 294.3M | 227.4M | 268.1M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026