ENVA NYSE
Enova International, Inc.
1W: -4.6%
1M: +0.7%
3M: -30.1%
YTD: +5.7%
1Y: +37.2%
3Y: +270.5%
5Y: +379.0%
$171.31
+1.28 (+0.75%)
Weekly Expected Move ±5.0%
$149
$157
$165
$173
$181
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $57.9M held by 80 funds, 380 bp over Treasuries → details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
Weather
Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Cash Flow Trends
Operating Cash Flow
$1.8B
+18.2% ▲
5Y CAGR: +19.7%
Capital Expenditures
$47M
-8.6% ▼
5Y CAGR: +9.8%
Free Cash Flow
$1.8B
+18.5% ▲
5Y CAGR: +20.0%
Dividends Paid
$0
+0.0% ▲
Buybacks
$215M
+25.8% ▲
Net Change in Cash
$85M
+255.5% ▲
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $257M | $207M | $175M | $209M | $308M |
| Depreciation & Amort. | $35M | $37M | $38M | $40M | $42M |
| Stock-Based Comp. | $21M | $22M | $27M | $32M | $0 |
| Change in Working Capital | -$59M | -$9M | $29M | -$14M | $34M |
| Other Non-Cash Items | $178M | $619M | $890M | $1.2B | $1.4B |
| Operating Cash Flow | $472M | $894M | $1.2B | $1.5B | $1.8B |
| — Investing Activities — | |||||
| Capital Expenditures | -$30M | -$44M | -$45M | -$43M | -$47M |
| Acquisitions (Net) | -$27M | $9M | $0 | $0 | $0 |
| Investment Purchases | $0 | $0 | $0 | $0 | $0 |
| Investment Sales | $0 | $0 | $0 | $0 | $0 |
| Other Investing | -$923M | -$1.6B | -$1.4B | -$1.9B | -$2.4B |
| Investing Cash Flow | -$980M | -$1.7B | -$1.5B | -$1.9B | -$2.4B |
| — Financing Activities — | |||||
| Net Debt Issuance | $473M | $871M | $697M | $624M | $918M |
| Stock Repurchased | -$117M | -$143M | -$153M | -$289M | -$215M |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 |
| Other Financing | $9M | -$3M | -$17M | -$16M | $0 |
| Financing Cash Flow | $365M | $725M | $527M | $319M | $712M |
| Net Change in Cash | -$143M | -$47M | $199M | -$55M | $85M |
| Cash End of Period | $226M | $178M | $377M | $323M | $408M |
| Free Cash Flow | $442M | $850M | $1.1B | $1.5B | $1.8B |