Enova International, Inc. (ENVA) Earnings History
Turnaround17 years of earnings data (2009–2025) · Recovering earnings after a multi-year decline
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Enova International, Inc. (ENVA) Earnings Overview
As of November 7, 2026, Enova International, Inc. (ENVA) reported trailing twelve-month net income of $382M, reflecting +55.9% year-over-year growth. The company earned $14.47 per diluted share over the past four quarters, with a net profit margin of 10.3%.
Looking at the long-term picture, ENVA's 5-year EPS compound annual growth rate (CAGR) stands at -0.2%, signaling declining earnings. The company achieved its highest annual net income of $378M in fiscal 2020.
Enova International, Inc. maintains positive profitability with a gross margin of 53.0%, operating margin of 24.8%, and net margin of 10.3%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including WRLD ($50M net income, 6.5% margin), RM ($48M net income, 7.9% margin), PRAA ($158M net income, -30.9% margin), ENVA has outperformed on profitability metrics. Compare ENVA vs WRLD →
ENVA Earnings vs Peers
Earnings metrics vs comparable public companies
ENVA Historical Earnings Data (2009–2025)
17 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $308M | +47.2% | $739M | $11.58 | 10.3% | 24.8% |
| 2024 | $209M | +19.6% | $585M | $7.43 | 7.9% | 22.0% |
| 2023 | $175M | -15.6% | $422M | $5.49 | 9.1% | 22.0% |
| 2022 | $207M | -19.1% | $384M | $6.19 | 12.8% | 23.7% |
| 2021 | $256M | -32.2% | $413M | $6.79 | 22.7% | 36.5% |
| 2020 | $378M | +932.0% | $358M | $11.70 | 37.9% | 35.9% |
| 2019 | $37M | -47.8% | $248M | $3.72 | 3.3% | 22.6% |
| 2018 | $70M | +139.7% | $176M | $1.99 | 7.8% | 19.7% |
| 2017 | $29M | -15.5% | $116M | $0.86 | 4.5% | 17.7% |
| 2016 | $35M | -21.3% | $121M | $1.03 | 5.1% | 17.9% |
| 2015 | $44M | -60.6% | $124M | $1.33 | 7.3% | 20.7% |
| 2014 | $112M | +43.1% | $215M | $3.38 | 14.5% | 27.9% |
| 2013 | $78M | +32.6% | $143M | $2.36 | 10.5% | 19.1% |
| 2012 | $59M | +59.0% | $114M | $1.78 | 9.2% | 17.8% |
| 2011 | $37M | +49.2% | $76M | $1.12 | 14.2% | 29.2% |
| 2010 | $25M | +40.2% | $39M | $0.75 | 12.5% | 19.7% |
| 2009 | $18M | - | $28M | $0.54 | 13.2% | 20.8% |
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ENVA — Frequently Asked Questions
Quick answers to the most common questions about buying ENVA stock.
What is ENVA earnings per share (EPS)?
ENVA trailing twelve-month (TTM) diluted EPS is $14.47, reflecting +55.9% year-over-year growth. The 5-year EPS CAGR is -0.2%. Complete EPS history from 2009 to 2025 is available in the table on this page.
What is Enova International, Inc.'s net income?
Enova International, Inc. (ENVA) trailing twelve-month net income is $382M as of 2025. Earnings grew +55.9% year-over-year. Enova International, Inc. has been profitable for 17 consecutive years.
Is ENVA profitable?
Yes, ENVA is profitable with a TTM net income of $382M and a net profit margin of +10.3%. Enova International, Inc. has generated profits for 17 consecutive years.
What is ENVA's earnings growth rate?
ENVA compound annual EPS growth rates (CAGR): 1-Year: +55.9%, 3-Year: +23.2%, 5-Year: -0.2%, 10-Year: +24.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2009 to 2025.
What are ENVA's profit margins?
Enova International, Inc. net profit margin is +10.3%, operating margin is +24.8%, and gross margin is +53.0%. Margins are within a typical range for the sector. Return on Equity is +24.3%.
Is ENVA growing earnings?
Yes, ENVA earnings are accelerating — EPS growth of +55.9% exceeds the 5-year CAGR of -0.2%. TTM net income reached $382M. Earnings momentum is strengthening.
What was ENVA's best earnings year?
Enova International, Inc.'s highest annual net income on record is $378M, achieved in fiscal year 2020. Earnings history on this page spans 2009 to 2025 and includes all annual and quarterly figures.
What were ENVA's earnings last quarter?
ENVA's most recent reported quarter was Q3 2026. Net income was $107M with diluted EPS of $4.06. For a full breakdown of all quarters, see the quarterly earnings table on this page.