ENVA NYSE
Enova International, Inc.
1W: -3.5%
1M: -4.2%
3M: +10.7%
YTD: -0.7%
1Y: +67.1%
3Y: +272.1%
5Y: +336.7%
$157.51
-3.40 (-2.11%)
Weekly Expected Move ±5.1%
$147
$156
$164
$172
$181
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
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Institutions
ETF Exposure
Dark Pool
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Revenue Segmentation
By Geography
Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$3.2B
+18.6% ▲
5Y CAGR: +23.8%
Gross Profit
$1.6B
+27.5% ▲
5Y CAGR: +21.5%
Operating Income
$739M
+26.5% ▲
5Y CAGR: +15.6%
Net Income
$308M
+47.2% ▲
5Y CAGR: -4.0%
EPS (Diluted)
$11.58
+55.9% ▲
5Y CAGR: -0.2%
EBITDA
$530M
+58.4% ▲
5Y CAGR: +12.7%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $1.2B | $1.7B | $2.1B | $2.7B | $3.2B |
| YoY Growth | +11.5% | +43.7% | +22.0% | +25.5% | +18.6% |
| Cost of Revenue | $260M | $734M | $1.1B | $1.4B | $1.6B |
| Gross Profit | $948M | $1.0B | $1.0B | $1.2B | $1.6B |
| Gross Margin | 78.5% | 57.7% | 48.9% | 46.6% | 50.1% |
| R&D Expenses | $0 | $0 | $0 | $0 | $68M |
| SG&A Expenses | $428M | $523M | $575M | $680M | $791M |
| Operating Expenses | $535M | $618M | $613M | $654M | $841M |
| Operating Income | $413M | $384M | $422M | $585M | $739M |
| Operating Margin | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% |
| Interest Expense | $77M | $116M | $195M | $0 | $170M |
| Income Before Tax | $337M | $273M | $227M | $271M | $401M |
| Tax Expense | $80M | $65M | $52M | $62M | $93M |
| Net Income | $256M | $207M | $175M | $209M | $308M |
| Net Margin | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
| EPS (Diluted) | $6.79 | $6.19 | $5.49 | $7.43 | $11.58 |
| EBITDA | $372M | $305M | $266M | $335M | $530M |
| Shares Outstanding | 38M | 33M | 32M | 28M | 26M |