ENVA
Enova International Inc
NYSE: ENVA · FINANCIAL SERVICES · CREDIT SERVICES
$168.58
-2.29% today
Updated 2026-04-29
Market cap
$4.20B
P/E ratio
13.72
P/S ratio
2.66x
EPS (TTM)
$12.29
Dividend yield
—
52W range
$89 – $177
Volume
0.2M
Enova International Inc (ENVA) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $254.98M | $378.46M | $480.34M | $660.93M | $765.32M | $809.84M | $652.60M | $745.57M | $728.90M | $972.62M | $1.17B | $1.08B | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Revenue growth (YoY) | — | +48.4% | +26.9% | +37.6% | +15.8% | +5.8% | -19.4% | +14.2% | -2.2% | +33.4% | +20.8% | -7.8% | +11.5% | +43.7% | +22.0% | +25.5% | +18.6% |
| Cost of revenue | $121.03M | $180.46M | $219.11M | $309.47M | $334.84M | $305.26M | $269.74M | $393.57M | $427.49M | $582.77M | $678.50M | $486.21M | $260.18M | $734.41M | $1.08B | $1.42B | $1.57B |
| Gross profit | $133.95M | $198.00M | $261.23M | $351.46M | $430.48M | $504.58M | $382.86M | $352.00M | $301.41M | $389.85M | $496.26M | $597.50M | $947.75M | $1.00B | $1.04B | $1.24B | $1.58B |
| Gross margin | 52.5% | 52.3% | 54.4% | 53.2% | 56.2% | 62.3% | 58.7% | 47.2% | 41.4% | 40.1% | 42.2% | 55.1% | 78.5% | 57.7% | 48.9% | 46.6% | 50.1% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | $67.50M |
| SG&A | $66.01M | $91.23M | $65.40M | $72.69M | $84.42M | $107.88M | $102.07M | $97.96M | $99.75M | $105.14M | $109.20M | $140.60M | $156.96M | $140.46M | $160.26M | $156.52M | $169.72M |
| Operating income | $27.91M | $39.00M | $76.29M | $114.18M | $142.60M | $215.01M | $124.39M | $121.48M | $116.19M | $175.55M | $248.21M | $357.80M | $413.06M | $383.99M | $422.13M | $584.76M | $739.43M |
| Operating margin | 10.9% | 10.3% | 15.9% | 17.3% | 18.6% | 26.5% | 19.1% | 16.3% | 15.9% | 18.0% | 21.1% | 33.0% | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% |
| EBITDA | $156.23M | $228.03M | $70.13M | $106.45M | $139.95M | $195.27M | $89.89M | $71.44M | $55.47M | $110.38M | $187.66M | $290.84M | $371.93M | $304.97M | $265.51M | $334.52M | $529.82M |
| EBITDA margin | 61.3% | 60.3% | 14.6% | 16.1% | 18.3% | 24.1% | 13.8% | 9.6% | 7.6% | 11.3% | 16.0% | 26.8% | 30.8% | 17.6% | 12.5% | 12.6% | 16.8% |
| EBIT | $148.93M | $219.47M | $58.87M | $93.18M | $122.81M | $176.53M | $71.50M | $55.87M | $42.19M | $96.18M | $172.61M | $271.11M | $336.55M | $268.11M | $227.36M | $294.32M | $487.99M |
| Interest expense | $121.03M | $180.46M | $219.11M | $21.00M | $19.79M | $38.47M | $52.88M | $65.60M | $74.00M | $79.36M | $75.60M | $86.69M | $76.51M | $115.89M | $194.78M | $290.44M | $169.57M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $17.70M | $24.82M | $37.03M | $58.87M | $78.04M | $111.67M | $43.99M | $34.60M | $29.24M | $70.10M | $36.61M | $377.84M | $256.30M | $207.42M | $175.12M | $209.45M | $308.39M |
| Net income growth (YoY) | — | +40.2% | +49.2% | +59.0% | +32.6% | +43.1% | -60.6% | -21.3% | -15.5% | +139.7% | -47.8% | +932.0% | -32.2% | -19.1% | -15.6% | +19.6% | +47.2% |
| Profit margin | 6.9% | 6.6% | 7.7% | 8.9% | 10.2% | 13.8% | 6.7% | 4.6% | 4.0% | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |