Enova International, Inc.ENVANYSE

Revenue (LTM)

$3.2B

+18.6% YoY

Net Income (LTM)

$308M

+47.2% YoY

Free Cash Flow

$1.8B

Revenue CAGR (5Y)

+27.1%

Marginsdeclining

FCF$1.8B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	1,208	1,736↑43.7%	2,118↑22.0%	2,658↑25.5%	3,152↑18.6%
Gross Profit	948	1,002↑5.7%	1,035↑3.3%	1,239↑19.7%	1,580↑27.5%
Operating Income	413	384↓7.0%	422↑9.9%	585↑38.5%	739↑26.5%
Net Income	256	207↓19.1%	175↓15.6%	209↑19.6%	308↑47.2%
EBITDA	372	305↓18.0%	266↓12.9%	335↑26.0%	530↑58.4%
EPS Diluted	6.79	6.19↓8.8%	5.49↓11.3%	7.43↑35.3%	11.58↑55.9%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	165	100↓39.5%	377↑276.8%	74↓80.4%	72↓3.0%
Total Current Assets	2,294	3,307↑44.2%	4,123↑24.7%	4,814↑16.8%	72↓98.5%
Total Assets	2,761	3,781↑36.9%	4,586↑21.3%	5,266↑14.8%	6,468↑22.8%
Total Current Liabilities	156	198↑27.0%	261↑31.7%	483↑85.1%	306↓36.7%
Total Liabilities	1,668	2,595↑55.5%	3,345↑28.9%	4,069↑21.6%	5,132↑26.1%
Total Equity	1,093	1,186↑8.5%	1,240↑4.6%	1,197↓3.5%	1,337↑11.7%
Total Debt	1,425	2,292↑60.8%	2,989↑30.4%	3,596↑20.3%	4,562↑26.9%
Net Debt	1,260	2,192↑74.0%	2,612↑19.1%	3,522↑34.9%	4,491↑27.5%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	472	894↑89.5%	1,167↑30.5%	1,539↑31.9%	1,819↑18.2%
Capital Expenditure	-30	-44↓47.0%	-45↓3.7%	-43↑4.0%	-47↓8.6%
Free Cash Flow	442	850↑92.3%	1,122↑31.9%	1,495↑33.3%	1,772↑18.5%
Stock-Based Comp	21	22↑3.6%	27↑21.8%	32↑19.0%	0
Net Change in Cash	-143	-47↑66.9%	199↑519.2%	-55↓127.5%	85↑255.5%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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