What is Enova International, Inc.'s earnings per share (EPS)?

Enova International, Inc. (ENVA) reported diluted earnings per share of $11.52 for fiscal year 2025. This represents a 55.0% 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.

Enova International, Inc. (ENVA) Financials

ENVA

Trailing 12 months to June 30, 2026

Revenue $3.4B +17.7% YoY

Net Income $355.5M +38.7% YoY

EPS (Diluted) $13.48 +43.3% YoY

Free Cash Flow $2.0B +20.4% YoY

Market Cap $4.4B as of Oct 13, 2026

Price / Sales 1.3x on $3.4B revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.3x on $355.5M net income, trailing 12 months to June 30, 2026

Price / Book 2.9x on $1.5B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ENVA SEC filings page.

Enova International, Inc. (ENVA) reported $3.4B in revenue over the twelve months to Jun 30, 2026, up 17.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 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).

Rhea AI ENVA FY2025 2026-10-03

Enova’s cash-generative expansion is accompanied by rising leverage and heavier interest costs before earnings reach shareholders.

FY2025 free cash flow was $1.77B against operating cash flow of $1.82B, so capital spending absorbed little of internally generated cash. At the same time, debt-to-equity rose from 2.4x in FY2023 to 3.4x in FY2025, meaning growth has required progressively more balance-sheet funding even as cash conversion stayed high.

Operating margin widened from 19.9% in FY2023 to 23.5% in FY2025, indicating recent growth is converting more effectively into operating profit. Net margin reached 9.8% in FY2025, but interest expense also reached $339M, so financing costs still remove much of the operating gain before net income.

Debt-to-equity climbed from 1.3x in FY2021 to 3.4x in FY2025, making the balance sheet progressively more liability-funded. FY2025 total liabilities were $5.13B against total equity of $1.34B, so the expanding asset base is supported predominantly by obligations rather than shareholder capital.

Financial Health Signals

Financial Health Score 47/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Enova International, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Enova International, Inc. has an operating margin of 23.5%, meaning the company retains $23 of operating profit per $100 of revenue. This strong profitability earns a score of 86/100, reflecting efficient cost management and pricing power. This is up from 22.0% the prior year.

Growth

Enova International, Inc.'s revenue surged 18.6% year-over-year to $3.2B, reflecting rapid business expansion. This strong growth earns a score of 84/100.

Leverage

Enova International, Inc. has elevated debt relative to equity (D/E of 3.37), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 10/100, reflecting increased financial risk.

Liquidity

Not available for Enova International, Inc., and counted as zero in the overall score.

Cash Flow

Enova International, Inc. converts 56.2% of revenue into free cash flow ($1.8B). This strong cash generation earns a score of 99/100.

Returns

Not available for Enova International, Inc., and counted as zero in the overall score.

Piotroski F-Score Partial

6/8

Enova International, Inc. passes 6 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 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

5.90x

For every $1 of reported earnings, Enova International, Inc. generates $5.90 in operating cash flow ($1.8B OCF vs $308.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

2.18x

Enova International, Inc. earns $2.18 in operating income for every $1 of interest expense ($739.4M vs $339.3M). 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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Earnings & Revenue

Revenue

$928.9M

YoY+21.6%

QoQ+6.1%

5Y CAGR+28.5%

10Y CAGR+18.3%

Enova International, Inc. generated $928.9M in revenue in Q2 2026. This represents an increase of 21.6% from the same quarter a year earlier. Against the prior quarter it is up 6.1%.

EBITDA

$245.6M

YoY+26.3%

QoQ+13.7%

5Y CAGR+13.5%

Enova International, Inc.'s EBITDA was $245.6M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 26.3% from the same quarter a year earlier. Against the prior quarter it is up 13.7%.

Net Income

$105.1M

YoY+38.0%

QoQ+15.3%

5Y CAGR+5.6%

10Y CAGR+29.1%

Enova International, Inc. reported $105.1M in net income in Q2 2026. This represents an increase of 38.0% from the same quarter a year earlier. Against the prior quarter it is up 15.3%.

EPS (Diluted)

$4.00

YoY+39.9%

QoQ+15.6%

5Y CAGR+13.8%

10Y CAGR+32.0%

Enova International, Inc. earned $4.00 per diluted share (EPS) in Q2 2026. This represents an increase of 39.9% from the same quarter a year earlier. Against the prior quarter it is up 15.6%.

Cash & Balance Sheet

Free Cash Flow

$531.4M

YoY+21.8%

QoQ+14.6%

5Y CAGR+40.9%

10Y CAGR+21.4%

Enova International, Inc. generated $531.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 21.8% from the same quarter a year earlier. Against the prior quarter it is up 14.6%.

Cash & Debt

$122.2M

YoY+120.0%

QoQ+27.1%

5Y CAGR-20.9%

10Y CAGR+12.1%

Enova International, Inc. held $122.2M in cash against $5.0B in long-term debt as of Q2 2026.

Shares Outstanding

25M

YoY-0.5%

QoQ+0.1%

5Y CAGR-7.6%

10Y CAGR-2.8%

Enova International, Inc. had 25M shares outstanding in Q2 2026. This represents a decrease of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Gross Margin

61.2%

YoY+3.4pp

QoQ+0.7pp

5Y change-36.7pp

10Y change-0.9pp

Enova International, Inc.'s gross margin was 61.2% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 3.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Operating Margin

25.5%

YoY+1.4pp

QoQ+1.9pp

5Y change-20.8pp

Enova International, Inc.'s operating margin was 25.5% in Q2 2026, reflecting core business profitability. This is up 1.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.

Net Margin

11.3%

YoY+1.3pp

QoQ+0.9pp

5Y change-19.0pp

10Y change+6.6pp

Enova International, Inc.'s net profit margin was 11.3% in Q2 2026, showing the share of revenue converted to profit. This is up 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.

Return on Equity

7.0%

YoY+0.8pp

QoQ+0.5pp

5Y change-0.3pp

10Y change+3.4pp

Enova International, Inc.'s ROE was 7.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Capital Allocation

Share Buybacks

$19.8M

YoY-64.2%

QoQ-50.0%

5Y CAGR+64.3%

10Y CAGR+134.1%

Enova International, Inc. spent $19.8M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 64.2% from the same quarter a year earlier. Against the prior quarter it is down 50.0%.

Capital Expenditures

$12.6M

YoY+12.4%

QoQ+17.3%

5Y CAGR+11.6%

10Y CAGR+8.8%

Enova International, Inc. invested $12.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 12.4% from the same quarter a year earlier. Against the prior quarter it is up 17.3%.

R&D Spending

Not reported for Q2 2026.

ENVA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ENVA quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$3.4B	$3.2B+18.6%	$2.7B+25.5%	$2.1B+22.0%	$1.7B+43.7%	$1.2B+11.5%	$1.1B-7.8%	$1.2B+20.8%	$972.6M+33.4%	$728.9M-2.2%	$745.6M+14.2%	$652.6M-19.4%	$809.8M+5.8%	$765.3M+15.8%	$660.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$602.9M+19.8%	$503.4M+42.4%	$353.5M+7.8%	$328.0M+51.2%	$216.9M-18.7%	$266.8M-15.3%	$315.1M+9.2%	$288.5M
Gross Profit	$2.1B	$1.8B+19.7%	$1.5B+24.4%	$1.2B+10.1%	$1.1B+9.1%	$1.0B+49.7%	$684.2M+19.6%	$571.9M+21.9%	$469.2M+25.0%	$375.4M-10.1%	$417.6M-4.2%	$435.7M-19.8%	$543.0M+20.6%	$450.3M+20.9%	$372.5M
SG&A Expenses	$178.6M	$169.7M+8.4%	$156.5M-2.3%	$160.3M+14.1%	$140.5M-10.5%	$157.0M+11.6%	$140.6M+28.7%	$109.2M+3.9%	$105.1M+5.4%	$99.8M+1.8%	$98.0M-4.0%	$102.1M-5.4%	$107.9M+27.8%	$84.4M+16.1%	$72.7M
Operating Income	$827.7M	$739.4M+26.5%	$584.8M+38.5%	$422.1M+9.9%	$384.0M-7.0%	$413.1M+15.4%	$357.8M+44.2%	$248.2M+41.4%	$175.5M+51.1%	$116.2M-4.4%	$121.5M-2.3%	$124.4M-42.1%	$215.0M+50.8%	$142.6M+24.9%	$114.2M
EBITDA	N/A	$781.3M+25.0%	$625.0M+35.8%	$460.3M+9.4%	$420.9M-6.2%	$448.4M+18.8%	$377.5M+43.4%	$263.3M+38.7%	$189.7M+46.6%	$129.5M-5.5%	$137.0M-4.0%	$142.8M-38.9%	$233.7M+46.3%	$159.7M+25.3%	$127.4M
Interest Expense	$367.8M	$339.3M+16.8%	$290.4M+49.1%	$194.8M+68.1%	$115.9M+51.5%	$76.5M-11.7%	$86.7M+14.7%	$75.6M-4.7%	$79.4M+207.2%	-$74.0M-12.8%	-$65.6M-24.1%	-$52.9M-237.5%	$38.5M+94.4%	$19.8M-5.8%	$21.0M
Income Tax	$106.5M	$92.6M+50.3%	$61.7M+18.3%	$52.1M-20.0%	$65.2M-18.7%	$80.1M+40.0%	$57.2M+36.0%	$42.1M+693.3%	$5.3M+157.7%	$2.1M-91.0%	$22.8M-13.9%	$26.5M-59.1%	$64.8M+48.7%	$43.6M+28.3%	$34.0M
Net Income	$355.5M	$308.4M+47.2%	$209.4M+19.6%	$175.1M-15.6%	$207.4M-19.1%	$256.3M-32.2%	$377.8M+932.0%	$36.6M-47.8%	$70.1M+139.7%	$29.2M-15.5%	$34.6M-21.3%	$44.0M-60.6%	$111.7M+43.1%	$78.0M+32.6%	$58.9M
EPS (Basic)	N/A	$12.25+57.5%	$7.78+36.3%	$5.71-11.1%	$6.42-8.9%	$7.05-40.5%	$11.85+987.2%	$1.09-47.1%	$2.06+136.8%	$0.87-16.3%	$1.04-21.8%	$1.33-60.7%	$3.38+43.2%	$2.36+32.6%	$1.78
EPS (Diluted)	$13.48	$11.52+55.0%	$7.43+35.3%	$5.49-11.3%	$6.19-8.8%	$6.79-42.0%	$11.70+1003.8%	$1.06-46.7%	$1.99+131.4%	$0.86-16.5%	$1.03-22.6%	$1.33-60.7%	$3.38+43.2%	$2.36+32.6%	$1.78
Diluted Shares (Avg)	N/A	27M-5.1%	28M-11.7%	32M-4.7%	33M-11.3%	38M+16.8%	32M-6.1%	34M-2.2%	35M+3.1%	34M+2.0%	33M+1.3%	33M+0.1%	33M0.0%	33M0.0%	33M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$928.9M+21.6%	$875.1M+17.4%	$839.4M+15.1%	$802.7M+16.3%	$764.0M+21.6%	$745.5M+22.2%	$729.6M+25.0%	$689.9M+25.1%
Gross Profit	$568.1M+28.7%	$529.0M+24.1%	$501.9M+21.5%	$460.7M+15.1%	$441.5M+19.3%	$426.2M+23.2%	$413.0M+27.1%	$400.4M+25.3%
SG&A Expenses	$44.1M+8.8%	$47.8M+12.5%	$47.1M+23.8%	$39.7M+1.9%	$40.5M+2.0%	$42.5M+6.5%	$38.0M-22.6%	$38.9M+3.1%
Operating Income	$237.1M+28.8%	$207.1M+20.5%	$186.6M+20.3%	$196.8M+28.0%	$184.1M+26.9%	$171.9M+31.4%	$155.2M+59.1%	$153.7M+48.2%
EBITDA	$245.6M+26.3%	$216.0M+18.7%	$195.7M+18.3%	$209.1M+27.7%	$194.5M+25.6%	$182.0M+29.0%	$165.4M+55.2%	$163.8M+44.0%
Interest Expense	$97.8M+18.2%	$94.0M+16.8%	$89.0M+15.6%	$87.0M+13.1%	$82.8M+16.7%	$80.5M+22.8%	$77.0M+34.6%	$76.9M+58.0%
Income Tax	$35.0M+40.7%	$21.8M+20.4%	$19.8M+44.5%	$29.9M+147.3%	$24.9M+26.7%	$18.1M+11.4%	$13.7M+99.7%	$12.1M-13.3%
Net Income	$105.1M+38.0%	$91.1M+24.9%	$79.0M+24.0%	$80.3M+85.0%	$76.1M+41.2%	$72.9M+50.6%	$63.7M+83.2%	$43.4M+5.2%
EPS (Basic)	$4.22+40.2%	$3.66+28.9%	$3.18+31.4%	$3.22+96.3%	$3.01+50.5%	$2.84+65.1%	$2.42+105.1%	$1.64+21.5%
EPS (Diluted)	$4.00+39.9%	$3.46+28.6%	$2.99+30.6%	$3.03+93.0%	$2.86+48.2%	$2.69+64.0%	$2.29+100.9%	$1.57+21.7%
Diluted Shares (Avg)	26M-1.4%	26M-2.8%	N/A	26M-4.5%	27M-4.6%	27M-8.1%	N/A	28M-13.1%

Not reported in any period shown, so not listed: Cost of Revenue, R&D Expenses.

ENVA Balance Sheet

ENVA quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Total Assets	$6.5B+22.8%	$5.3B+14.8%	$4.6B+21.3%	$3.8B+36.9%	$2.8B+31.0%	$2.1B+33.9%	$1.6B+18.0%	$1.3B+15.1%	$1.2B+18.6%	$977.9M+16.3%	$840.5M+10.6%	$760.2M+9.8%	$692.2M	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$440.8M+12.9%	$390.5M	N/A
Cash & Equivalents	$71.7M-3.0%	$73.9M+36.0%	$54.4M-45.7%	$100.2M-39.5%	$165.5M-44.3%	$297.3M+728.2%	$35.9M+27.7%	$28.1M-43.5%	$49.8M+24.6%	$39.9M-5.1%	$42.1M-44.0%	$75.1M+58.2%	$47.5M+26.5%	$37.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M+4.2%	$268.0M+0.4%	$267.0M0.0%	$267.0M0.0%	$267.0M0.0%	$267.0M0.0%	$267.0M+4.4%	$255.9M0.0%	$255.9M0.0%	$255.9M
Total Liabilities	$5.1B+26.1%	$4.1B+21.6%	$3.3B+28.9%	$2.6B+55.5%	$1.7B+40.3%	$1.2B-0.7%	$1.2B+21.4%	$986.6M+12.4%	$877.8M+19.2%	$736.2M+16.0%	$634.6M+4.7%	$606.2M+16.8%	$519.1M	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$64.1M+29.2%	$49.6M	N/A
Non-Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$542.1M+15.5%	$469.5M	N/A
Long-Term Debt	$4.5B+26.2%	$3.6B+21.1%	$2.9B+30.3%	$2.3B+63.2%	$1.4B+46.3%	$946.5M-4.5%	$991.2M+15.5%	$857.9M+8.8%	$788.5M+21.3%	$649.9M+19.9%	$541.9M+9.7%	$494.2M+16.5%	$424.1M	N/A
Total Equity	$1.3B+11.7%	$1.2B-3.5%	$1.2B+4.6%	$1.2B+8.5%	$1.1B+19.2%	$917.3M+143.6%	$376.6M+8.3%	$347.8M+23.5%	$281.7M+16.5%	$241.7M+17.3%	$206.0M+33.8%	$154.0M-11.0%	$173.0M+77.6%	$97.4M
Retained Earnings	$2.0B+18.2%	$1.7B+14.1%	$1.5B+13.3%	$1.3B+18.8%	$1.1B+30.2%	$849.5M+127.9%	$372.7M+10.8%	$336.4M+27.1%	$264.7M+12.4%	$235.5M+17.2%	$200.9M+28.0%	$156.9M-7.7%	$169.9M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.2B+26.2%	$6.9B+26.0%	$6.5B+22.8%	$6.0B+19.8%	$5.7B+18.8%	$5.5B+17.7%	$5.3B+14.8%	$5.0B+21.3%
Cash & Equivalents	$122.2M+120.0%	$96.1M+73.2%	$71.7M-3.0%	$53.6M-20.6%	$55.6M-7.6%	$55.5M-27.4%	$73.9M+36.0%	$67.5M+7.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%	$279.3M0.0%
Total Liabilities	$5.7B+27.3%	$5.5B+28.5%	$5.1B+26.1%	$4.7B+23.2%	$4.5B+22.5%	$4.3B+22.2%	$4.1B+21.6%	$3.8B+33.6%
Long-Term Debt	$5.0B+26.5%	$4.8B+28.6%	$4.5B+26.2%	$4.1B+24.7%	$4.0B+24.1%	$3.8B+23.6%	$3.6B+21.1%	$3.3B+34.8%
Total Equity	$1.5B+21.8%	$1.4B+17.1%	$1.3B+11.7%	$1.3B+8.9%	$1.2B+7.1%	$1.2B+4.0%	$1.2B-3.5%	$1.2B-6.5%
Retained Earnings	$2.2B+19.2%	$2.1B+18.4%	$2.0B+18.2%	$1.9B+17.9%	$1.8B+16.1%	$1.8B+15.2%	$1.7B+14.1%	$1.6B+12.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

ENVA Cash Flow Statement

ENVA quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Operating Cash Flow	$2.0B	$1.8B+18.2%	$1.5B+31.9%	$1.2B+30.5%	$894.0M+89.5%	$471.9M-36.3%	$740.9M-12.7%	$848.6M+23.9%	$684.8M+53.1%	$447.2M+13.7%	$393.4M+38.6%	$283.9M-34.0%	$429.9M-1.9%	$438.3M+16.7%	$375.5M
Depreciation & Amortization	N/A	$41.8M+4.0%	$40.2M+5.4%	$38.2M+3.5%	$36.9M+4.2%	$35.4M+79.3%	$19.7M+31.1%	$15.1M+6.0%	$14.2M+6.9%	$13.3M-14.7%	$15.6M-15.4%	$18.4M-1.8%	$18.7M+9.3%	$17.1M+29.2%	$13.3M
Stock-Based Compensation	N/A	$33.1M+4.0%	$31.8M+19.0%	$26.7M+21.8%	$21.9M+3.6%	$21.2M+17.4%	$18.0M+50.8%	$12.0M+2.6%	$11.7M+3.1%	$11.3M+32.7%	$8.5M-11.5%	$9.6M+1350.3%	$664K+165.6%	$250K+71.2%	$146K
Capital Expenditures	$46.4M	$47.1M+8.6%	$43.4M-4.0%	$45.2M+3.7%	$43.6M+47.0%	$29.7M+0.6%	$29.5M+47.0%	$20.1M+36.9%	$14.7M-3.7%	$15.2M+5.8%	$14.4M-55.3%	$32.2M+142.7%	$13.3M-10.7%	$14.9M-16.8%	$17.9M
Free Cash Flow	$2.0B	$1.8B+18.5%	$1.5B+33.3%	$1.1B+31.9%	$850.4M+92.3%	$442.2M-37.8%	$711.4M-14.1%	$828.6M+23.6%	$670.2M+55.2%	$431.9M+14.0%	$379.0M+50.6%	$251.7M-39.6%	$416.7M-1.6%	$423.4M+18.4%	$357.6M
Investing Cash Flow	-$2.8B	-$2.4B-28.0%	-$1.9B-27.9%	-$1.5B+10.3%	-$1.7B-70.0%	-$980.4M-1272.9%	$83.6M+108.9%	-$941.4M-30.6%	-$720.9M-37.4%	-$524.6M-12.9%	-$464.4M	N/A	N/A	N/A	N/A
Financing Cash Flow	$906.3M	$711.8M+123.2%	$318.9M-39.4%	$526.5M-27.4%	$724.9M+98.5%	$365.1M+168.1%	-$536.0M-661.3%	$95.5M+324.8%	$22.5M-78.5%	$104.6M+4.7%	$99.9M	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$122.4M	N/A	N/A
Share Buybacks	$133.1M	$214.6M-25.8%	$289.3M+88.8%	$153.2M+7.1%	$143.1M+22.6%	$116.7M+106.8%	$56.4M+67.0%	$33.8M+95.1%	$17.3M+240.9%	$5.1M+1062.2%	$437K+133.7%	$187K	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$544.0M+21.6%	$474.5M+21.3%	$498.8M+15.9%	$481.8M+20.9%	$447.4M+23.9%	$391.1M+12.2%	$430.5M+37.0%	$398.6M+46.9%
Depreciation & Amortization	$8.4M-18.7%	$8.9M-11.5%	$9.1M-11.1%	$12.4M+23.1%	$10.3M+6.6%	$10.1M-2.0%	$10.2M+12.9%	$10.0M+0.9%
Stock-Based Compensation	N/A	$8.7M+9.7%	N/A	N/A	N/A	$7.9M+3.9%	N/A	N/A
Capital Expenditures	$12.6M+12.4%	$10.8M-16.5%	$11.7M+14.9%	$11.3M+3.8%	$11.2M+1.2%	$12.9M+14.7%	$10.2M-13.8%	$10.9M-14.5%
Free Cash Flow	$531.4M+21.8%	$463.8M+22.6%	$487.1M+15.9%	$470.5M+21.4%	$436.1M+24.7%	$378.3M+12.1%	$420.3M+39.0%	$387.6M+50.0%
Investing Cash Flow	-$658.0M-24.6%	-$753.4M-47.8%	-$802.8M-38.7%	-$605.1M-25.5%	-$528.2M-29.9%	-$509.6M-15.0%	-$579.0M-2.3%	-$482.3M-8.4%
Financing Cash Flow	$158.3M+6.5%	$292.1M+172.2%	$355.1M+63.7%	$100.8M+51.0%	$148.6M+66.7%	$107.3M+298.8%	$217.0M-49.9%	$66.8M-38.6%
Share Buybacks	$19.8M-64.2%	$39.6M-53.7%	$35.3M-31.1%	$38.4M+64.7%	$55.3M-12.7%	$85.5M-43.5%	$51.2M-23.2%	$23.3M-35.9%

Not reported in any period shown, so not listed: Dividends Paid.

ENVA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ENVA quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Gross Margin	58.1%+0.5pp	57.6%-0.5pp	58.1%-6.3pp	64.4%-20.4pp	84.8%+21.7pp	63.1%+14.4pp	48.7%+0.4pp	48.2%-3.3pp	51.5%-4.5pp	56.0%-10.8pp	66.8%-0.3pp	67.1%+8.2pp	58.8%+2.5pp	56.4%
Operating Margin	23.5%+1.5pp	22.0%+2.1pp	19.9%-2.2pp	22.1%-12.1pp	34.2%+1.2pp	33.0%+11.9pp	21.1%+3.1pp	18.1%+2.1pp	15.9%-0.4pp	16.3%-2.8pp	19.1%-7.5pp	26.6%+7.9pp	18.6%+1.3pp	17.3%
Net Margin	9.8%+1.9pp	7.9%-0.4pp	8.3%-3.7pp	11.9%-9.3pp	21.2%-13.7pp	34.9%+31.8pp	3.1%-4.1pp	7.2%+3.2pp	4.0%-0.6pp	4.6%-2.1pp	6.7%-7.0pp	13.8%+3.6pp	10.2%+1.3pp	8.9%
Return on Equity	23.1%+5.6pp	17.5%+3.4pp	14.1%-3.4pp	17.5%-6.0pp	23.4%-17.7pp	41.2%+31.5pp	9.7%-10.4pp	20.2%+9.8pp	10.4%-3.9pp	14.3%-7.0pp	21.4%-51.2pp	72.5%+27.4pp	45.1%-15.3pp	60.4%
Return on Assets	4.8%+0.8pp	4.0%+0.2pp	3.8%-1.7pp	5.5%-3.8pp	9.3%-8.6pp	17.9%+15.6pp	2.3%-2.9pp	5.3%+2.7pp	2.5%-1.0pp	3.5%-1.7pp	5.2%-9.5pp	14.7%+3.4pp	11.3%	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	6.88-1.0x	7.87	N/A
Debt-to-Equity	3.37+0.4x	2.98+0.6x	2.37+0.5x	1.90+0.6x	1.27+0.2x	1.03-1.6x	2.63+0.2x	2.47-0.3x	2.80+0.1x	2.69+0.1x	2.63-0.6x	3.21+0.8x	2.45	N/A
Asset Turnover	0.490.0x	0.500.0x	0.460.0x	0.460.0x	0.44-0.1x	0.51-0.2x	0.750.0x	0.73+0.1x	0.63-0.1x	0.760.0x	0.78-0.3x	1.070.0x	1.11	N/A
FCF Margin	56.2%0.0pp	56.3%+3.3pp	53.0%+4.0pp	49.0%+12.4pp	36.6%-29.0pp	65.6%-4.9pp	70.5%+1.6pp	68.9%+9.6pp	59.3%+8.4pp	50.8%+12.3pp	38.6%-12.9pp	51.4%-3.9pp	55.3%+1.2pp	54.1%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	61.2%+3.4pp	60.4%+3.3pp	59.8%+3.2pp	57.4%-0.6pp	57.8%-1.1pp	57.2%+0.4pp	56.6%+0.9pp	58.0%+0.1pp
Operating Margin	25.5%+1.4pp	23.7%+0.6pp	22.2%+1.0pp	24.5%+2.2pp	24.1%+1.0pp	23.1%+1.6pp	21.3%+4.6pp	22.3%+3.5pp
Net Margin	11.3%+1.3pp	10.4%+0.6pp	9.4%+0.7pp	10.0%+3.7pp	10.0%+1.4pp	9.8%+1.8pp	8.7%+2.8pp	6.3%-1.2pp
Return on Equity	7.0%+0.8pp	6.5%+0.4pp	5.9%+0.6pp	6.3%+2.6pp	6.2%+1.5pp	6.1%+1.9pp	5.3%+2.5pp	3.7%+0.4pp
Return on Assets	1.5%+0.1pp	1.3%0.0pp	1.2%0.0pp	1.4%+0.5pp	1.3%+0.2pp	1.3%+0.3pp	1.2%+0.4pp	0.9%-0.1pp
Debt-to-Equity	3.35+0.1x	3.45+0.3x	3.37+0.4x	3.20+0.4x	3.23+0.4x	3.14+0.5x	2.98+0.6x	2.79+0.9x
Asset Turnover	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.140.0x	0.140.0x	0.140.0x
FCF Margin	57.2%+0.1pp	53.0%+2.3pp	58.0%+0.4pp	58.6%+2.4pp	57.1%+1.4pp	50.7%-4.6pp	57.6%+5.8pp	56.2%+9.3pp

Not reported in any period shown, so not listed: Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Enova International, Inc. ENVA	FY2025	$3.2B	$308.4M	9.8%	$4.4B	47/100
Bread Financial Holdings, Inc. BFH	FY2025	$3.8B	$518.0M	13.5%	$3.9B	10/100
Sezzle Inc. SEZL	FY2025	$450.3M	$133.1M	29.6%	$4.3B	77/100
The Western Union Company WU	FY2025	$4.1B	$499.6M	12.3%	$1.9B	35/100
Qfin Holdings, Inc. QFIN	FY2025	$2.7B	$854.5M	31.1%	$753.8M	75/100

Where Enova International, Inc. Ranks

Frequently Asked Questions

What is Enova International, Inc.'s annual revenue?

Enova International, Inc. (ENVA) reported $3.2B in total revenue for fiscal year 2025. This represents a 18.6% 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 International, Inc.'s revenue growing?

Enova International, Inc. (ENVA) revenue grew by 18.6% year-over-year, from $2.7B to $3.2B in fiscal year 2025.

Is Enova International, Inc. profitable?

Yes, Enova International, Inc. (ENVA) reported a net income of $308.4M in fiscal year 2025, with a net profit margin of 9.8%.

What is Enova International, Inc.'s EBITDA?

Enova International, Inc. (ENVA) had EBITDA of $781.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Enova International, Inc. have?

As of fiscal year 2025, Enova International, Inc. (ENVA) had $71.7M in cash and equivalents against $4.5B in long-term debt.

What is Enova International, Inc.'s gross margin?

Enova International, Inc. (ENVA) had a gross margin of 58.1% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Enova International, Inc.'s operating margin?

Enova International, Inc. (ENVA) had an operating margin of 23.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Enova International, Inc.'s net profit margin?

Enova International, Inc. (ENVA) had a net profit margin of 9.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Enova International, Inc.'s return on equity (ROE)?

Enova International, Inc. (ENVA) has a return on equity of 23.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Enova International, Inc.'s free cash flow?

Enova International, Inc. (ENVA) generated $1.8B in free cash flow during fiscal year 2025. This represents a 18.5% 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 International, Inc.'s operating cash flow?

Enova International, Inc. (ENVA) generated $1.8B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Enova International, Inc.'s total assets?

Enova International, Inc. (ENVA) had $6.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Enova International, Inc.'s capital expenditures?

Enova International, Inc. (ENVA) invested $47.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Enova International, Inc. buy back shares?

Yes, Enova International, Inc. (ENVA) spent $214.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Enova International, Inc. have outstanding?

Enova International, Inc. (ENVA) had 25M shares outstanding as of fiscal year 2025.

What is Enova International, Inc.'s debt-to-equity ratio?

Enova International, Inc. (ENVA) had a debt-to-equity ratio of 3.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Enova International, Inc.'s return on assets (ROA)?

Enova International, Inc. (ENVA) had a return on assets of 4.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Enova International, Inc.'s P/E ratio?

Enova International, Inc. (ENVA) trades at 12.3x earnings, its market capitalization divided by net income of $355.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $4.4B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Enova International, Inc.'s price-to-sales ratio?

Enova International, Inc. (ENVA) trades at 1.3x sales, its market capitalization divided by revenue of $3.4B revenue, trailing 12 months to June 30, 2026. The market capitalization is $4.4B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Enova International, Inc.'s Piotroski F-Score?

Enova International, Inc. (ENVA) has a Piotroski F-Score of 6 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Enova International, Inc.'s earnings high quality?

Enova International, Inc. (ENVA) has an earnings quality ratio of 5.90x, 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 International, Inc. cover its interest payments?

Enova International, Inc. (ENVA) has an interest coverage ratio of 2.18x, 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 International, Inc.?

Enova International, Inc. (ENVA) scores 47 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.