Enova Intl Inc Financials

ENVA

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Enova Intl Inc (ENVA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 74/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

100

Enova Intl Inc has an operating margin of 22.0%, meaning the company retains $22 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 19.9% the prior year.

Growth

100

Enova Intl Inc's revenue surged 25.5% year-over-year to $2.7B, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Enova Intl Inc has elevated debt relative to equity (D/E of 2.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 1/100, reflecting increased financial risk.

Cash Flow

100

Enova Intl Inc converts 56.3% of revenue into free cash flow ($1.5B). This strong cash generation earns a score of 100/100.

Returns

Enova Intl Inc earns a strong 17.5% return on equity (ROE), meaning it generates $18 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 70/100. This is up from 14.1% the prior year.

Piotroski F-Score Neutral

6/9

Enova Intl Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

7.35x

For every $1 of reported earnings, Enova Intl Inc generates $7.35 in operating cash flow ($1.5B OCF vs $209.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

2.0x

Enova Intl Inc earns $2.0 in operating income for every $1 of interest expense ($584.8M vs $290.4M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Revenue

$2.7B

YoY+25.5%

5Y CAGR+17.7%

10Y CAGR+12.6%

Enova Intl Inc generated $2.7B in revenue in fiscal year 2024. This represents an increase of 25.5% from the prior year.

EBITDA

$625.0M

YoY+35.8%

5Y CAGR+18.9%

10Y CAGR+10.3%

Enova Intl Inc's EBITDA was $625.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 35.8% from the prior year.

Free Cash Flow

$1.5B

YoY+33.3%

5Y CAGR+12.5%

10Y CAGR+13.6%

Enova Intl Inc generated $1.5B in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 33.3% from the prior year.

Net Income

$209.4M

YoY+19.6%

5Y CAGR+41.7%

10Y CAGR+6.5%

Enova Intl Inc reported $209.4M in net income in fiscal year 2024. This represents an increase of 19.6% from the prior year.

EPS (Diluted)

$7.43

YoY+35.3%

5Y CAGR+47.6%

10Y CAGR+8.2%

Enova Intl Inc earned $7.43 per diluted share (EPS) in fiscal year 2024. This represents an increase of 35.3% from the prior year.

Cash & Debt

$73.9M

YoY+36.0%

5Y CAGR+15.5%

10Y CAGR-0.2%

Enova Intl Inc held $73.9M in cash against $3.6B in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

26M

YoY-11.3%

5Y CAGR-4.8%

10Y CAGR-2.4%

Enova Intl Inc had 26M shares outstanding in fiscal year 2024. This represents a decrease of 11.3% from the prior year.

Gross Margin

57.6%

YoY-0.5pp

5Y CAGR+8.9pp

10Y CAGR-9.5pp

Enova Intl Inc's gross margin was 57.6% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 0.5 percentage points from the prior year.

Operating Margin

22.0%

YoY+2.1pp

5Y CAGR+0.9pp

10Y CAGR-4.6pp

Enova Intl Inc's operating margin was 22.0% in fiscal year 2024, reflecting core business profitability. This is up 2.1 percentage points from the prior year.

Net Margin

7.9%

YoY-0.4pp

5Y CAGR+4.8pp

10Y CAGR-5.9pp

Enova Intl Inc's net profit margin was 7.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.4 percentage points from the prior year.

Return on Equity

17.5%

YoY+3.4pp

5Y CAGR+7.8pp

10Y CAGR-55.0pp

Enova Intl Inc's ROE was 17.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 3.4 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$289.3M

YoY+88.8%

5Y CAGR+53.7%

Enova Intl Inc spent $289.3M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 88.8% from the prior year.

Capital Expenditures

$43.4M

YoY-4.0%

5Y CAGR+16.7%

10Y CAGR+12.6%

Enova Intl Inc invested $43.4M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 4.0% from the prior year.

ENVA Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$2.7B+25.5%	$2.1B+22.0%	$1.7B+43.7%	$1.2B+11.5%	$1.1B-7.8%	$1.2B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	$602.9M
Gross Profit	$1.5B+24.4%	$1.2B+10.1%	$1.1B+9.1%	$1.0B+49.7%	$684.2M+19.6%	$571.9M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$156.5M-2.3%	$160.3M+14.1%	$140.5M-10.5%	$157.0M+11.6%	$140.6M+28.7%	$109.2M
Operating Income	$584.8M+38.5%	$422.1M+9.9%	$384.0M-7.0%	$413.1M+15.4%	$357.8M+44.2%	$248.2M
Interest Expense	$290.4M+49.1%	$194.8M+68.1%	$115.9M+51.5%	$76.5M-11.7%	$86.7M+14.7%	$75.6M
Income Tax	$61.7M+18.3%	$52.1M-20.0%	$65.2M-18.7%	$80.1M+40.0%	$57.2M+36.0%	$42.1M
Net Income	$209.4M+19.6%	$175.1M-15.6%	$207.4M-19.1%	$256.3M-32.2%	$377.8M+932.0%	$36.6M
EPS (Diluted)	$7.43+35.3%	$5.49-11.3%	$6.19-8.8%	$6.79-42.0%	$11.70+1003.8%	$1.06

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$802.7M+5.1%	$764.0M+2.5%	$745.5M+2.2%	$729.6M+16.1%	$628.4M+3.0%	$609.9M+4.5%	$583.6M+5.8%	$551.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$460.7M+4.4%	$441.5M+3.6%	$426.2M+3.2%	$413.0M+11.6%	$370.2M+7.0%	$345.9M+6.4%	$325.0M+1.7%	$319.6M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$39.7M-2.1%	$40.5M-4.6%	$42.5M+11.6%	$38.0M-4.2%	$39.7M-0.4%	$39.9M-18.9%	$49.1M+30.3%	$37.7M
Operating Income	$196.8M+6.9%	$184.1M+7.1%	$171.9M+10.8%	$155.2M+7.0%	$145.1M+10.9%	$130.8M+34.1%	$97.5M-6.0%	$103.7M
Interest Expense	$87.0M+5.0%	$82.8M+2.8%	$80.5M+4.6%	$77.0M+8.5%	$71.0M+8.2%	$65.6M+14.7%	$57.2M+17.6%	$48.7M
Income Tax	$29.9M+19.9%	$24.9M+37.7%	$18.1M+32.0%	$13.7M-30.3%	$19.7M+21.1%	$16.2M+136.5%	$6.9M-50.7%	$13.9M
Net Income	$80.3M+5.5%	$76.1M+4.4%	$72.9M+14.5%	$63.7M+18.1%	$53.9M+11.3%	$48.4M+39.3%	$34.8M-15.8%	$41.3M
EPS (Diluted)	$3.03+5.9%	$2.86+6.3%	$2.69+17.5%	$2.29+18.7%	$1.93+17.7%	$1.64+43.9%	$1.14-11.6%	$1.29

ENVA Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$5.3B+14.8%	$4.6B+21.3%	$3.8B+36.9%	$2.8B+31.0%	$2.1B+33.9%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$73.9M+36.0%	$54.4M-45.7%	$100.2M-39.5%	$165.5M-44.3%	$297.3M+728.2%	$35.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M+4.2%	$268.0M+0.4%	$267.0M
Total Liabilities	$4.1B+21.6%	$3.3B+28.9%	$2.6B+55.5%	$1.7B+40.3%	$1.2B-0.7%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$3.6B+21.1%	$2.9B+30.3%	$2.3B+63.2%	$1.4B+46.3%	$946.5M-4.5%	$991.2M
Total Equity	$1.2B-3.5%	$1.2B+4.6%	$1.2B+8.5%	$1.1B+19.2%	$917.3M+143.6%	$376.6M
Retained Earnings	$1.7B+14.1%	$1.5B+13.3%	$1.3B+18.8%	$1.1B+30.2%	$849.5M+127.9%	$372.7M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$6.0B+4.1%	$5.7B+4.9%	$5.5B+3.6%	$5.3B+9.3%	$4.8B+3.9%	$4.6B+1.1%	$4.6B+11.8%	$4.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$53.6M-3.5%	$55.6M+0.1%	$55.5M-24.9%	$73.9M+22.9%	$60.1M-21.3%	$76.5M+40.7%	$54.4M-13.6%	$62.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M
Total Liabilities	$4.7B+4.1%	$4.5B+5.5%	$4.3B+4.7%	$4.1B+10.9%	$3.7B+5.3%	$3.5B+4.2%	$3.3B+17.7%	$2.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.1B+3.6%	$4.0B+5.5%	$3.8B+5.4%	$3.6B+11.6%	$3.2B+5.0%	$3.0B+3.3%	$2.9B+20.5%	$2.4B
Total Equity	$1.3B+4.5%	$1.2B+2.7%	$1.2B0.0%	$1.2B+4.3%	$1.1B-0.2%	$1.2B-7.3%	$1.2B-1.7%	$1.3B
Retained Earnings	$1.9B+4.3%	$1.8B+4.3%	$1.8B+4.3%	$1.7B+6.7%	$1.6B+3.5%	$1.5B+3.3%	$1.5B+2.4%	$1.5B

ENVA Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$1.5B+31.9%	$1.2B+30.5%	$894.0M+89.5%	$471.9M-36.3%	$740.9M-12.7%	$848.6M
Capital Expenditures	$43.4M-4.0%	$45.2M+3.7%	$43.6M+47.0%	$29.7M+0.6%	$29.5M+47.0%	$20.1M
Free Cash Flow	$1.5B+33.3%	$1.1B+31.9%	$850.4M+92.3%	$442.2M-37.8%	$711.4M-14.1%	$828.6M
Investing Cash Flow	-$1.9B-27.9%	-$1.5B+10.3%	-$1.7B-70.0%	-$980.4M-1272.9%	$83.6M+108.9%	-$941.4M
Financing Cash Flow	$318.9M-39.4%	$526.5M-27.4%	$724.9M+98.5%	$365.1M+168.1%	-$536.0M-661.3%	$95.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$289.3M+88.8%	$153.2M+7.1%	$143.1M+22.6%	$116.7M+106.8%	$56.4M+67.0%	$33.8M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$481.8M+7.7%	$447.4M+14.4%	$391.1M-9.1%	$430.5M+19.3%	$360.9M+3.6%	$348.6M+10.9%	$314.3M+15.9%	$271.2M
Capital Expenditures	$11.3M+1.1%	$11.2M-12.8%	$12.9M+26.5%	$10.2M-8.2%	$11.1M-1.2%	$11.2M-5.0%	$11.8M-7.6%	$12.8M
Free Cash Flow	$470.5M+7.9%	$436.1M+15.3%	$378.3M-10.0%	$420.3M+20.1%	$349.9M+3.7%	$337.3M+11.5%	$302.5M+17.0%	$258.5M
Investing Cash Flow	-$605.1M-14.6%	-$528.2M-3.7%	-$509.6M+12.0%	-$579.0M-42.3%	-$406.8M+8.2%	-$443.2M+21.7%	-$566.2M-27.3%	-$445.0M
Financing Cash Flow	$100.8M-32.2%	$148.6M+38.5%	$107.3M-50.5%	$217.0M+143.4%	$89.1M+265.1%	-$54.0M-112.5%	$433.0M+298.5%	$108.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$38.4M-30.6%	$55.3M-35.3%	$85.5M+66.9%	$51.2M-19.1%	$63.4M-58.1%	$151.4M+126.7%	$66.8M+83.6%	$36.4M

ENVA Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	57.6%-0.5pp	58.1%-6.3pp	64.4%-20.4pp	84.8%+21.7pp	63.1%+14.4pp	48.7%
Operating Margin	22.0%+2.1pp	19.9%-2.2pp	22.1%-12.1pp	34.2%+1.2pp	33.0%+11.9pp	21.1%
Net Margin	7.9%-0.4pp	8.3%-3.7pp	11.9%-9.3pp	21.2%-13.7pp	34.9%+31.8pp	3.1%
Return on Equity	17.5%+3.4pp	14.1%-3.4pp	17.5%-6.0pp	23.4%-17.7pp	41.2%+31.5pp	9.7%
Return on Assets	4.0%+0.2pp	3.8%-1.7pp	5.5%-3.8pp	9.3%-8.6pp	17.9%+15.6pp	2.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	2.98+0.6	2.37+0.5	1.90+0.6	1.27+0.2	1.03-1.6	2.63
FCF Margin	56.3%+3.3pp	53.0%+4.0pp	49.0%+12.4pp	36.6%-29.0pp	65.6%-4.9pp	70.5%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	57.4%-0.4pp	57.8%+0.6pp	57.2%+0.5pp	56.6%-2.3pp	58.9%+2.2pp	56.7%+1.0pp	55.7%-2.3pp	58.0%
Operating Margin	24.5%+0.4pp	24.1%+1.0pp	23.1%+1.8pp	21.3%-1.8pp	23.1%+1.6pp	21.4%+4.7pp	16.7%-2.1pp	18.8%
Net Margin	10.0%+0.0pp	10.0%+0.2pp	9.8%+1.0pp	8.7%+0.2pp	8.6%+0.6pp	7.9%+2.0pp	6.0%-1.5pp	7.5%
Return on Equity	6.3%+0.1pp	6.2%+0.1pp	6.1%+0.8pp	5.3%+0.6pp	4.7%+0.5pp	4.2%+1.4pp	2.8%-0.5pp	3.3%
Return on Assets	1.4%+0.0pp	1.3%-0.0pp	1.3%+0.1pp	1.2%+0.1pp	1.1%+0.1pp	1.0%+0.3pp	0.8%-0.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.20-0.0	3.23+0.1	3.14+0.2	2.98+0.2	2.78+0.1	2.64+0.3	2.37+0.4	1.94
FCF Margin	58.6%+1.5pp	57.1%+6.3pp	50.7%-6.9pp	57.6%+2.0pp	55.7%+0.4pp	55.3%+3.5pp	51.8%+4.9pp	46.9%

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Frequently Asked Questions

What is Enova Intl Inc's annual revenue?

Enova Intl Inc (ENVA) reported $2.7B in total revenue for fiscal year 2024. This represents a 25.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Enova Intl Inc's revenue growing?

Enova Intl Inc (ENVA) revenue grew by 25.5% year-over-year, from $2.1B to $2.7B in fiscal year 2024.

Is Enova Intl Inc profitable?

Yes, Enova Intl Inc (ENVA) reported a net income of $209.4M in fiscal year 2024, with a net profit margin of 7.9%.

What is Enova Intl Inc's earnings per share (EPS)?

Enova Intl Inc (ENVA) reported diluted earnings per share of $7.43 for fiscal year 2024. This represents a 35.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Enova Intl Inc's EBITDA?

Enova Intl Inc (ENVA) had EBITDA of $625.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Enova Intl Inc have?

As of fiscal year 2024, Enova Intl Inc (ENVA) had $73.9M in cash and equivalents against $3.6B in long-term debt.

What is Enova Intl Inc's gross margin?

Enova Intl Inc (ENVA) had a gross margin of 57.6% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.

What is Enova Intl Inc's operating margin?

Enova Intl Inc (ENVA) had an operating margin of 22.0% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is Enova Intl Inc's net profit margin?

Enova Intl Inc (ENVA) had a net profit margin of 7.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Enova Intl Inc's return on equity (ROE)?

Enova Intl Inc (ENVA) has a return on equity of 17.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Enova Intl Inc's free cash flow?

Enova Intl Inc (ENVA) generated $1.5B in free cash flow during fiscal year 2024. This represents a 33.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Enova Intl Inc's operating cash flow?

Enova Intl Inc (ENVA) generated $1.5B in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Enova Intl Inc's total assets?

Enova Intl Inc (ENVA) had $5.3B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Enova Intl Inc's capital expenditures?

Enova Intl Inc (ENVA) invested $43.4M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Enova Intl Inc buy back shares?

Yes, Enova Intl Inc (ENVA) spent $289.3M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Enova Intl Inc have outstanding?

Enova Intl Inc (ENVA) had 26M shares outstanding as of fiscal year 2024.

What is Enova Intl Inc's debt-to-equity ratio?

Enova Intl Inc (ENVA) had a debt-to-equity ratio of 2.98 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Enova Intl Inc's return on assets (ROA)?

Enova Intl Inc (ENVA) had a return on assets of 4.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Enova Intl Inc's Piotroski F-Score?

Enova Intl Inc (ENVA) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Enova Intl Inc's earnings high quality?

Enova Intl Inc (ENVA) has an earnings quality ratio of 7.35x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Enova Intl Inc cover its interest payments?

Enova Intl Inc (ENVA) has an interest coverage ratio of 2.0x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Enova Intl Inc?

Enova Intl Inc (ENVA) scores 74 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.