Enova International, Inc. (ENVA) Quarterly Income Statement

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Enova International, Inc. (ENVA) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

ENVA Income Statement

Enova International, Inc. (ENVA) annual income statement — 17-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23	Q4'22	Q3'22	Q2'22	Q1'22	Q4'21

Net Interest Income	-103.5M	-577.4M	769.26M	-89.03M	0	0	-80.54M	0	0	0	0	0	0	0	-43.32M	-37.53M	0	-24.95M	-22.48M	-19.02M
NII Growth %	-	-	1055.08%	-	-	-	-	-	-	-	100%	100%	-	100%	-92.68%	-97.36%	100%	-28.5%	-12.9%	30.35%
Net Interest Margin %	-1.34%	-7.99%	11.19%	-1.38%	0%	0%	-1.48%	0%	0%	0%	0%	0%	0%	0%	-1.13%	-0.99%	0%	-0.77%	-0.74%	-0.69%
Interest Income	0	-863.31M	863.31M	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Expense	103.5M	-285.91M	94.05M	89.03M	0	0	80.54M	0	0	0	0	0	0	0	43.32M	37.53M	0	24.95M	22.48M	19.02M
Loan Loss Provision	291.31M	294.82M	-85.14M	248.47M	428.93M	405.37M	319.36M	393.5M	366.47M	329.2M	329.62M	315.76M	280.42M	245.63M	197.37M	158.53M	192.93M	143.42M	94.56M	83.23M
Non-Interest Income	1.01B	1.36B	11.84M	839.39M	802.68M	764.04M	745.54M	729.55M	689.92M	628.44M	609.89M	583.59M	551.36M	499.43M	483.26M	486.16M	456.2M	407.99M	385.73M	363.61M
Non-Interest Income %	111.43%	174.06%	1.52%	111.86%	100%	100%	112.11%	100%	100%	100%	100%	100%	100%	100%	109.85%	108.37%	100%	106.51%	106.19%	105.52%
Total Net Revenue	905.67M	779.6M	781.1M	750.37M	802.68M	764.04M	665M	729.55M	689.92M	628.44M	609.89M	583.59M	551.36M	499.43M	439.94M	448.63M	456.2M	383.04M	363.25M	344.59M
Revenue Growth %	12.83%	2.04%	17.46%	2.85%	16.34%	21.58%	9.04%	25.01%	25.13%	25.83%	38.63%	30.08%	20.86%	30.39%	21.11%	30.19%	51.06%	56.15%	51.65%	45.68%
Non-Interest Expense	367.15M	247.64M	656.48M	315.25M	176.98M	174.57M	173.73M	180.85M	169.74M	154.18M	149.48M	170.29M	167.21M	142.21M	133.3M	184.86M	164.76M	150.14M	177.94M	180.68M
Efficiency Ratio	40.54%	31.76%	84.05%	42.01%	22.05%	22.85%	26.13%	24.79%	24.6%	24.53%	24.51%	29.18%	30.33%	28.47%	30.3%	41.2%	36.12%	39.2%	48.99%	52.43%
Operating Income	247.21M	237.15M	209.76M	186.65M	196.78M	184.11M	171.9M	155.2M	153.71M	145.06M	130.79M	97.54M	103.73M	111.6M	109.27M	105.25M	98.51M	89.48M	90.75M	80.68M
Operating Margin %	27.3%	30.42%	26.85%	24.87%	24.51%	24.1%	25.85%	21.27%	22.28%	23.08%	21.45%	16.71%	18.81%	22.34%	24.84%	23.46%	21.59%	23.36%	24.98%	23.41%
Operating Income Growth %	25.63%	28.81%	22.02%	20.27%	28.01%	26.92%	31.43%	59.11%	48.18%	29.98%	19.7%	-7.33%	5.3%	24.71%	20.41%	30.45%	14.26%	-27.08%	-26.49%	-32.85%
Pretax Income	142.84M	140.11M	112.86M	98.78M	110.17M	101.05M	91.03M	77.4M	55.49M	73.56M	64.66M	41.63M	55.21M	64.77M	65.64M	66.92M	67.59M	69.79M	68.28M	61.22M
Pretax Margin %	15.77%	17.97%	14.45%	13.16%	13.73%	13.23%	13.69%	10.61%	8.04%	11.71%	10.6%	7.13%	10.01%	12.97%	14.92%	14.92%	14.82%	18.22%	18.8%	17.77%
Income Tax	35.54M	35.05M	21.77M	19.8M	29.86M	24.9M	18.08M	13.7M	12.07M	19.65M	16.23M	6.86M	13.93M	16.63M	14.71M	16.05M	15.88M	17.39M	15.83M	12.48M
Effective Tax Rate %	24.88%	25.02%	19.28%	20.05%	27.1%	24.64%	19.87%	17.7%	21.76%	26.71%	25.1%	16.48%	25.22%	25.67%	22.42%	23.98%	23.5%	24.91%	23.19%	20.39%
Net Income	107.3M	105.06M	91.1M	78.98M	80.31M	76.15M	72.94M	63.7M	43.41M	53.91M	48.43M	34.77M	41.28M	48.15M	50.92M	50.87M	51.71M	52.4M	52.44M	48.65M
Net Margin %	11.85%	13.48%	11.66%	10.53%	10.01%	9.97%	10.97%	8.73%	6.29%	8.58%	7.94%	5.96%	7.49%	9.64%	11.58%	11.34%	11.33%	13.68%	14.44%	14.12%
Net Income Growth %	33.61%	37.96%	24.89%	24%	85%	41.25%	50.63%	83.2%	5.16%	11.98%	-4.9%	-31.66%	-20.16%	-8.12%	-2.9%	4.57%	0.31%	-34.64%	-30.92%	-78.91%
Net Income (Continuing)	107.3M	105.06M	91.1M	78.98M	80.31M	76.15M	72.94M	63.7M	43.41M	53.91M	48.43M	34.77M	41.28M	48.15M	50.92M	50.87M	51.71M	52.4M	52.44M	48.74M
EPS (Diluted)	4.06	3.99	3.46	3.00	3.03	2.86	2.69	2.30	1.57	1.93	1.64	1.13	1.29	1.50	1.56	1.56	1.57	1.56	1.50	1.30
EPS Growth %	33.99%	39.51%	28.62%	30.43%	92.99%	48.19%	64.02%	103.54%	21.71%	28.67%	5.13%	-27.56%	-17.83%	-3.85%	4%	20%	15.44%	-25.71%	-26.11%	-79.91%
EPS (Basic)	4.31	4.22	3.66	3.19	3.22	3.01	2.84	2.44	1.64	2.00	1.72	1.17	1.35	1.55	1.62	1.62	1.62	1.61	1.57	1.36
Diluted Shares Outstanding	26.43M	26.34M	26.35M	26.36M	26.47M	27.06M	27.1M	27.67M	27.71M	27.94M	29.5M	30.89M	31.9M	32.2M	32.71M	32.63M	32.97M	33.48M	34.88M	37.33M