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Enova International, Inc.(ENVA)Earnings, Financials & Key Ratios
ENVA•NYSE•Banking & Credit
$169.28
$4.22B mkt cap·14.6× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutEnova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.Show more
- Net Interest Income-$170M
- Total Revenue$3.15B+18.6%
- Net Income$308M+47.2%
- Return on Equity24.34%+41.6%
- Net Interest Margin-2.62%
- Efficiency Ratio26.67%+8.3%
- ROA5.26%+23.6%
- Equity / Assets20.67%-9.1%
- Book Value per Share50.72+19.5%
- Tangible BV/Share39.98+24.4%
- Debt/Equity3.41+13.6%
ENVA Key Insights
Enova International, Inc. (ENVA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 26.7% efficiency ratio
- ✓Momentum leader: RS Rating 82 (top 18%)
- ✓Well capitalized: 20.7% equity/assets
- ✓Good 3Y average ROE of 18.7%
- ✓Share count reduced 6.5% through buybacks
- ✓Diversified revenue: 100.0% from non-interest income
✗Weaknesses
- ✗High debt to equity ratio of 3.4x
- ✗Weak NIM of -2.6%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ENVA Price & Volume
Enova International, Inc. (ENVA) stock price & volume — 10-year historical chart
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ENVA Growth Metrics
Enova International, Inc. (ENVA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.05%
5 Years23.8%
3 Years21.99%
TTM-
Profit CAGR
10 Years21.5%
5 Years-3.98%
3 Years14.13%
TTM39.57%
EPS CAGR
10 Years24.16%
5 Years-0.21%
3 Years23.22%
TTM45.47%
Return on Capital
10 Years14.83%
5 Years13.51%
3 Years12.34%
Last Year13.51%
ENVA Recent Earnings
Enova International, Inc. (ENVA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026EPS
$3.87
Est $3.66
+5.7%
Revenue
$875M
Est $852M
+2.8%
Q1 2026
Jan 27, 2026EPS
$3.46
Est $3.17
+9.1%
Revenue
$839M
Est $839M
+0.1%
Q4 2025
Oct 23, 2025EPS
$3.36
Est $3.03
+10.9%
Revenue
$803M
Est $807M
-0.5%
Q3 2025
Jul 24, 2025EPS
$3.23
Est $2.97
+8.8%
Revenue
$764M
Est $791M
-3.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $3.87vs $3.66+5.7% | $875Mvs $852M+2.8% |
| Q1 2026 | Jan 27, 2026 | $3.46vs $3.17+9.1% | $839Mvs $839M+0.1% |
| Q4 2025 | Oct 23, 2025 | $3.36vs $3.03+10.9% | $803Mvs $807M-0.5% |
| Q3 2025 | Jul 24, 2025 | $3.23vs $2.97+8.8% | $764Mvs $791M-3.4% |
Based on last 12 quarters of dataView full earnings history →
ENVA Peer Comparison
Enova International, Inc. (ENVA) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WRLD | 711.12M | 141.15 | 8.66 | -1.46% | 15.89% | 10.79% | 35.22% | 1.20 |
 RM | 327.39M | 34.84 | 7.83 | 9.7% | 6.88% | 13.16% | 92.95% | 4.65 |
 PRAA | 834.15M | 21.38 | -2.74 | 10.36% | -24.6% | -25.96% | 0.03 | |
 QCRH | 1.53B | 91.45 | 12.16 | 1.53% | 21.31% | 11.91% | 23.13% | 0.56 |
 OPRT | 247.42M | 5.56 | 10.49 | 19.49% | 3.95% | 6.66% | 100% | 7.21 |
 ATLC | 1.16B | 77.59 | 13.02 | 53.29% | 17.35% | 21.1% | 54.7% | 10.84 |
 CACC | 5.48B | 525.67 | 14.00 | 8.57% | 18.29% | 29.39% | 19.22% | 4.17 |
 NAVI | 818.65M | 8.71 | -10.75 | -23.74% | -2.48% | -2.45% | 53.87% | 19.05 |
Compare ENVA vs Peers
Enova International, Inc. (ENVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ENVA Income Statement
Enova International, Inc. (ENVA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -74M | -79.36M | -75.6M | -86.69M | -76.51M | -115.89M | -194.78M | 0 | -169.57M | -89.03M |
| NII Growth % | -12.81% | -7.24% | 4.74% | -14.66% | 11.75% | -51.47% | -68.08% | 100% | - | 100% |
| Net Interest Margin % | -6.38% | -5.95% | -4.8% | -4.11% | -2.77% | -3.07% | -4.25% | 0% | -2.62% | -1.29% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 74M | 79.36M | 75.6M | 86.69M | 76.51M | 115.89M | 194.78M | 0 | 169.57M | -5.02M |
| Loan Loss Provision | 353.49M | 503.4M | 602.89M | 399.52M | 183.67M | 618.52M | 887.72M | 1.42B | 1.4B | 1.18B |
| Non-Interest Income | 728.9M | 972.62M | 1.17B | 1.08B | 1.21B | 1.74B | 2.12B | 2.66B | 3.15B | 3.28B |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 728.9M▲ 0% | 972.62M▲ 33.4% | 1.17B▲ 20.8% | 1.08B▼ 7.8% | 1.21B▲ 11.5% | 1.74B▲ 43.7% | 2.12B▲ 22.0% | 2.66B▲ 25.5% | 3.15B▲ 18.6% | 3.28B▲ 0% |
| Revenue Growth % | -2.24% | 33.44% | 20.78% | -7.75% | 11.46% | 43.72% | 21.98% | 25.51% | 18.58% | 70.36% |
| Non-Interest Expense | 185.22M | 214.31M | 248.05M | 239.71M | 534.69M | 617.68M | 613.01M | 654.25M | 840.53M | 988.65M |
| Efficiency Ratio | 25.41% | 22.03% | 21.11% | 22.12% | 44.26% | 35.58% | 28.95% | 24.62% | 26.67% | 30.13% |
| Operating Income | 116.19M▲ 0% | 175.55M▲ 51.1% | 248.21M▲ 41.4% | 357.8M▲ 44.2% | 413.06M▲ 15.4% | 383.99M▼ 7.0% | 422.13M▲ 9.9% | 584.76M▲ 38.5% | 739.43M▲ 26.5% | 774.63M▲ 0% |
| Operating Margin % | 15.94% | 18.05% | 21.13% | 33.02% | 34.2% | 22.12% | 19.93% | 22% | 23.46% | 23.61% |
| Operating Income Growth % | -4.35% | 51.09% | 41.39% | 44.15% | 15.45% | -7.04% | 9.93% | 38.52% | 26.45% | - |
| Pretax Income | 19.67M▲ 0% | 68.87M▲ 250.1% | 170.07M▲ 146.9% | 435.42M▲ 156.0% | 337.15M▼ 22.6% | 272.57M▼ 19.2% | 227.25M▼ 16.6% | 271.1M▲ 19.3% | 401.03M▲ 47.9% | 422.87M▲ 0% |
| Pretax Margin % | 2.7% | 7.08% | 14.48% | 40.18% | 27.91% | 15.7% | 10.73% | 10.2% | 12.72% | 12.89% |
| Income Tax | 2.06M | 5.3M | 42.05M | 57.19M | 80.09M | 65.15M | 52.13M | 61.65M | 92.64M | 96.33M |
| Effective Tax Rate % | 10.46% | 7.7% | 24.73% | 13.13% | 23.75% | 23.9% | 22.94% | 22.74% | 23.1% | 22.78% |
| Net Income | 29.24M▲ 0% | 70.1M▲ 139.7% | 36.61M▼ 47.8% | 377.84M▲ 932.0% | 256.3M▼ 32.2% | 207.42M▼ 19.1% | 175.12M▼ 15.6% | 209.45M▲ 19.6% | 308.39M▲ 47.2% | 326.54M▲ 0% |
| Net Margin % | 4.01% | 7.21% | 3.12% | 34.87% | 21.22% | 11.95% | 8.27% | 7.88% | 9.78% | 9.95% |
| Net Income Growth % | -15.5% | 139.73% | -47.77% | 932.02% | -32.17% | -19.07% | -15.57% | 19.6% | 47.24% | 39.57% |
| Net Income (Continuing) | 17.61M | 63.57M | 128.02M | 378.23M | 257.07M | 207.42M | 175.12M | 209.45M | 308.39M | 326.54M |
| EPS (Diluted) | 0.86▲ 0% | 1.99▲ 131.4% | 3.72▲ 86.9% | 11.70▲ 214.5% | 6.79▼ 42.0% | 6.19▼ 8.8% | 5.49▼ 11.3% | 7.43▲ 35.3% | 11.58▲ 55.9% | 12.39▲ 0% |
| EPS Growth % | -16.5% | 131.4% | 86.93% | 214.52% | -41.97% | -8.84% | -11.31% | 35.34% | 55.85% | 45.47% |
| EPS (Basic) | 0.87 | 2.06 | 3.80 | 11.85 | 7.05 | 6.42 | 5.71 | 7.78 | 12.26 | - |
| Diluted Shares Outstanding | 34.13M | 35.18M | 34.4M | 32.3M | 37.74M | 33.48M | 31.92M | 28.2M | 26.36M | 26.35M |
ENVA Balance Sheet
Enova International, Inc. (ENVA) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 68.68M | 28.11M | 35.9M | 297.27M | 165.48M | 100.17M | 377.44M | 73.91M | 71.71M | 277M |
| Cash & Due from Banks | 68.68M | 28.11M | 35.9M | 297.27M | 165.48M | 100.17M | 377.44M | 73.91M | 71.71M | 96.13M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | - | - | - | - | - | - | - | - | - | 0% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 704.71M | 780.11M | 1.06B | 1.24B | 1.96B | 3.06B | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 271.34M | 270.27M | 269.2M | 293.98M | 314.72M | 306.67M | 298.28M | 290.23M | 282.94M | 281.69M |
| Goodwill | 267.01M | 267.01M | 267.01M | 267.97M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M |
| Intangible Assets | 4.33M | 3.25M | 2.19M | 26.01M | 35.44M | 27.39M | 19M | 10.95M | 3.66M | 2.41M |
| PP&E (Net) | 48.52M | 46.06M | 74.13M | 119.54M | 101.5M | 112.58M | 122.96M | 138.16M | 181.16M | 183.31M |
| Other Assets | 8.84M | 12.18M | 22.91M | 43.55M | 51.31M | 54.71M | 41.58M | 24.19M | 0 | 0 |
| Total Current Assets | 830.76M | 1.01B | 1.21B | 1.65B | 2.29B | 3.31B | 4.12B | 4.81B | 71.71M | 96.13M |
| Total Non-Current Assets | 328.7M | 328.51M | 366.24M | 457.07M | 467.53M | 473.95M | 462.82M | 452.58M | 464.09M | 464.99M |
| Total Assets | 1.16B▲ 0% | 1.33B▲ 15.1% | 1.57B▲ 18.0% | 2.11B▲ 33.9% | 2.76B▲ 31.0% | 3.78B▲ 36.9% | 4.59B▲ 21.3% | 5.27B▲ 14.8% | 6.47B▲ 22.8% | 6.88B▲ 0% |
| Asset Growth % | 18.57% | 15.08% | 17.99% | 33.9% | 31% | 36.92% | 21.28% | 14.84% | 22.83% | 87.52% |
| Return on Assets (ROA) | 2.74% | 5.62% | 2.52% | 20.52% | 10.53% | 6.34% | 4.19% | 4.25% | 5.26% | 5.22% |
| Accounts Payable | 25.58M | 26.32M | 23.83M | 26.72M | 37.18M | 30.78M | 43.33M | 58.95M | 0 | 0 |
| Total Debt | 791.54M | 860.1M | 1.03B | 1.01B | 1.43B | 2.29B | 2.99B | 3.6B | 4.56B | 4.83B |
| Net Debt | 722.86M | 831.98M | 992.51M | 717.14M | 1.26B | 2.19B | 2.61B | 3.52B | 4.49B | 4.74B |
| Long-Term Debt | 788.54M | 857.93M | 991.18M | 916.73M | 1.38B | 2.26B | 2.94B | 3.33B | 4.53B | 4.83B |
| Short-Term Debt | 3M | 2.17M | 1.51M | 29.73M | 0 | 0 | 22.34M | 233.33M | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4.86B | 0 |
| Total Current Liabilities | 77.12M | 89.32M | 122.16M | 156.42M | 156.1M | 198.32M | 261.16M | 483.3M | 305.85M | 0 |
| Total Non-Current Liabilities | 800.65M | 897.27M | 1.08B | 1.03B | 1.51B | 2.4B | 3.08B | 3.59B | 0 | 5.16B |
| Total Liabilities | 877.77M | 986.58M | 1.2B | 1.19B | 1.67B | 2.59B | 3.35B | 4.07B | 5.13B | 5.48B |
| Total Equity | 281.69M▲ 0% | 347.77M▲ 23.5% | 376.61M▲ 8.3% | 918.83M▲ 144.0% | 1.09B▲ 19.0% | 1.19B▲ 8.5% | 1.24B▲ 4.6% | 1.2B▼ 3.5% | 1.34B▲ 11.7% | 1.4B▲ 0% |
| Equity Growth % | 16.54% | 23.46% | 8.29% | 143.97% | 18.96% | 8.52% | 4.56% | -3.49% | 11.68% | 44.8% |
| Equity / Assets (Capital Ratio) | 24.29% | 26.06% | 23.92% | 43.59% | 39.58% | 31.37% | 27.05% | 22.73% | 20.67% | 20.38% |
| Return on Equity (ROE) | 11.17% | 22.27% | 10.11% | 58.33% | 25.48% | 18.2% | 14.44% | 17.19% | 24.34% | 24.88% |
| Book Value per Share | 8.25 | 9.89 | 10.95 | 28.45 | 28.97 | 35.43 | 38.85 | 42.44 | 50.72 | 53.20 |
| Tangible BV per Share | 0.30 | 2.20 | 3.12 | 19.34 | 20.63 | 26.27 | 29.51 | 32.15 | 39.98 | 42.51 |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Additional Paid-in Capital | 29.78M | 48.17M | 63.79M | 187.98M | 225.69M | 251.88M | 284.26M | 328.27M | 370.08M | 0 |
| Retained Earnings | 264.69M | 336.42M | 372.68M | 849.47M | 1.11B | 1.31B | 1.49B | 1.7B | 2.01B | 2.1B |
| Accumulated OCI | -7.09M | -13.8M | -3.07M | -6.9M | -8.54M | -5.99M | -6.26M | -13.69M | -9.5M | -6.41M |
| Treasury Stock | -5.7M | -23.02M | -56.79M | -113.2M | -229.86M | -372.93M | -526.12M | -815.41M | -1.03B | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ENVA Cash Flow Statement
Enova International, Inc. (ENVA) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 447.17M | 684.84M | 875.62M | 740.87M | 471.87M | 894M | 1.17B | 1.54B | 1.82B | 1.82B |
| Operating CF Growth % | 13.68% | 53.15% | 27.86% | -15.39% | -36.31% | 89.46% | 30.52% | 31.86% | 18.23% | 82.02% |
| Net Income | 29.24M | 70.1M | 36.61M | 377.93M | 257.07M | 207.42M | 175.12M | 209.45M | 308.39M | 326.54M |
| Depreciation & Amortization | 14.39M | 15.19M | 21.05M | 19.73M | 35.38M | 36.87M | 38.16M | 40.21M | 41.83M | 31.77M |
| Deferred Taxes | -4.74M | 21.97M | 0 | 3.24M | 39.31M | 17.03M | 8.54M | 112.72M | 0 | 52.35M |
| Other Non-Cash Items | 429.03M | 602.25M | 855.35M | 247.03M | 177.75M | 619.31M | 889.76M | 1.16B | 1.43B | 1.41B |
| Working Capital Changes | -32.05M | -36.33M | -49.37M | 74.9M | -58.81M | -8.59M | 28.55M | -14.03M | 34.25M | 65.04M |
| Cash from Investing | -527.13M | -720.93M | -941.4M | 83.58M | -980.37M | -1.67B | -1.49B | -1.91B | -2.45B | -2.69B |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 109.92M | -27.23M | 8.71M | 0 | 0 | 0 | 0 |
| Other Investing | -510.61M | -704.85M | -921.34M | 3.15M | -923.47M | -1.63B | -1.45B | -1.87B | -2.4B | -2.64B |
| Cash from Financing | 104.58M | 22.48M | 95.48M | -535.97M | 365.15M | 724.87M | 526.54M | 318.88M | 711.82M | 896.61M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -5.08M | -17.31M | -33.78M | -56.41M | -116.66M | -143.07M | -153.19M | -289.29M | -214.59M | -129.05M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.71M | 2.5M |
| Net Stock Activity | -5.08M | -17.31M | -33.78M | -56.41M | -116.66M | -143.07M | -153.19M | -289.29M | -205.88M | -126.55M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 3M |
| Other Financing | -31.33M | -25.1M | -1.34M | -1.03M | 9.23M | -3.23M | -16.78M | -15.87M | 0 | 289.85M |
| Net Change in Cash | 28.75M▲ 0% | -20.89M▼ 172.6% | 30.68M▲ 246.9% | 288.24M▲ 839.5% | -143.32M▼ 149.7% | -47.48M▲ 66.9% | 199.04M▲ 519.2% | -54.77M▼ 127.5% | 85.19M▲ 255.5% | 109.5M▲ 0% |
| Exchange Rate Effect | 4.13M | -7.27M | 979K | -244K | 34K | -77K | 287K | -1.03M | 39K | -62K |
| Cash at Beginning | 39.93M | 98.14M | 50.28M | 80.96M | 369.2M | 225.88M | 178.4M | 377.44M | 322.67M | 407.86M |
| Cash at End | 68.68M | 77.26M | 80.96M | 369.2M | 225.88M | 178.4M | 377.44M | 322.67M | 407.86M | 421.36M |
| Interest Paid | 0 | 0 | 70.25M | 74.9M | 71.1M | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 27.48M | 89.27M | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 430.64M▲ 0% | 668.76M▲ 55.3% | 855.55M▲ 27.9% | 711.38M▼ 16.9% | 442.19M▼ 37.8% | 850.37M▲ 92.3% | 1.12B▲ 31.9% | 1.5B▲ 33.3% | 1.77B▲ 18.5% | 1.86B▲ 0% |
| FCF Growth % | 13.63% | 55.29% | 27.93% | -16.85% | -37.84% | 92.31% | 31.9% | 33.3% | 18.51% | 20.92% |
ENVA Banking Ratios
Enova International, Inc. (ENVA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.17% | 22.27% | 10.11% | 58.33% | 25.48% | 18.2% | 14.44% | 17.19% | 24.34% | 24.88% |
| Return on Assets (ROA) | 2.74% | 5.62% | 2.52% | 20.52% | 10.53% | 6.34% | 4.19% | 4.25% | 5.26% | 5.22% |
| Net Interest Margin | -6.38% | -5.95% | -4.8% | -4.11% | -2.77% | -3.07% | -4.25% | 0% | -2.62% | -1.29% |
| Efficiency Ratio | 25.41% | 22.03% | 21.11% | 22.12% | 44.26% | 35.58% | 28.95% | 24.62% | 26.67% | 30.13% |
| Equity / Assets | 24.29% | 26.06% | 23.92% | 43.59% | 39.58% | 31.37% | 27.05% | 22.73% | 20.67% | 20.38% |
| Book Value / Share | 8.25 | 9.89 | 10.95 | 28.45 | 28.97 | 35.43 | 38.85 | 42.44 | 50.72 | 53.2 |
| NII Growth | -12.81% | -7.24% | 4.74% | -14.66% | 11.75% | -51.47% | -68.08% | 100% | - | -10.53% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
ENVA SEC Filings & Documents
Enova International, Inc. (ENVA) SEC filings — annual & quarterly reports (10-K, 10-Q)
ENVA Frequently Asked Questions
Enova International, Inc. (ENVA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Enova International, Inc. (ENVA) grew revenue by 18.6% over the past year. This is strong growth.
Yes, Enova International, Inc. (ENVA) is profitable, generating $326.5M in net income for fiscal year 2025 (9.8% net margin).
Dividend & Returns
Enova International, Inc. (ENVA) has a return on equity (ROE) of 24.3%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Enova International, Inc. (ENVA) has a net interest margin (NIM) of -2.6%. NIM has been under pressure due to interest rate environment.
Enova International, Inc. (ENVA) has an efficiency ratio of 26.7%. This is excellent, indicating strong cost control.
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Enova International, Inc. (ENVA) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Revenue History
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Valuation
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