Enova International Financial Statements
NYSE: ENVAFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Enova International revenue and earnings
In fiscal 2025, Enova International generated $3.15 billion in revenue, up 18.6% from fiscal 2024, its 5th consecutive year of revenue growth. Net income was $308.4 million (+47.2% year over year), for a net margin of 9.8% versus a median of 11.9% in the prior 5 years. Gross margin was 58.1% (up from 57.5%) and operating margin 23.5%.
Diluted earnings per share came in at $11.52, up from $7.43. Over the last 5 fiscal years, ENVA's revenue has grown at a 23.8% compound annual rate.
Summary generated from market data by MetaCap's automated system. Methodology
Enova International income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.15B | 2.66B | 2.12B | 1.74B | 1.21B | 1.08B | 1.17B | 972.62M | 728.90M | 745.57M |
| Revenue growth (YoY) | +18.58% | +25.51% | +21.98% | +43.72% | +11.46% | -7.75% | +20.78% | +33.44% | -2.24% | +14.25% |
| 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 |
| Operating Expenses | 1.09B | 944.69M | 807.79M | 733.57M | 611.20M | 326.40M | 323.65M | 293.67M | 259.23M | 296.13M |
| 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 | — | — |
| Other Income (Expense) | -1.02M | -5.69M | -282.00K | -1.32M | -1.97M | -827.00K | -2.32M | — | — | — |
| Pretax 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 |
| Net Income growth (YoY) | +47.24% | +19.60% | -15.57% | -19.07% | -32.17% | +932.02% | -47.77% | +139.73% | -15.50% | -21.34% |
| 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 |
| Shares Outstanding (Basic) | 25.17M | 26.92M | 30.67M | 32.29M | 36.35M | 31.90M | 33.72M | 33.99M | 33.52M | 33.19M |
| Shares Outstanding (Diluted) | 26.77M | 28.20M | 31.92M | 33.48M | 37.74M | 32.30M | 34.40M | 35.18M | 34.13M | 33.46M |
| EBITDA | 781.26M | 624.97M | 460.29M | 420.86M | 448.44M | 377.53M | 263.26M | 189.75M | 129.47M | 137.04M |
| Gross Margin | 58.07% | 57.55% | 58.08% | 64.37% | 84.79% | 63.13% | 48.68% | 48.24% | 51.50% | 56.01% |
| Operating Margin | 23.46% | 22.00% | 19.93% | 22.12% | 34.20% | 33.02% | 21.13% | 18.05% | 15.94% | 16.29% |
| Net Margin | 9.78% | 7.88% | 8.27% | 11.95% | 21.22% | 34.87% | 3.12% | 7.21% | 4.01% | 4.64% |
This table shows 10 annual periods of Enova International's income statement, from FY 2025 back to FY 2016, across 18 line items including revenue, cost of revenue, gross profit. Values in USD; B = billions, M = millions. Fiscal periods follow ENVA's reporting calendar. What is a income statement?