Enova International, Inc. (ENVA) — Financial statements
Income statement, balance sheet, and cash flow for Enova International, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 3,152↑18.6% | 2,658↑25.5% | 2,118↑22.0% | 1,736↑43.7% | 1,208 | |
| Cost of Revenue | 1,572↑10.8% | 1,419↑31.1% | 1,082↑47.4% | 734↑182.3% | 260 | |
| Gross Profit | 1,580↑27.5% | 1,239↑19.7% | 1,035↑3.3% | 1,002↑5.7% | 948 | |
| Operating Expenses | ||||||
| R&D Expenses | 68 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 170↑8.4% | 157↓2.3% | 160↑14.1% | 140↓10.5% | 157 | |
| Selling & Marketing Expenses | 621↑18.6% | 524↑26.3% | 414↑8.3% | 383↑41.1% | 271 | |
| SG&A Expenses | 791↑16.3% | 680↑18.3% | 575↑9.9% | 523↑22.2% | 428 | |
| Other Expenses | -18↑31.2% | -26↓167.5% | 38↓59.6% | 95↓11.2% | 107 | |
| Operating Expenses | 841↑28.5% | 654↑6.7% | 613↓0.8% | 618↑15.5% | 535 | |
| Total Costs & Expenses | 2,412↑16.4% | 2,073↑22.3% | 1,696↑25.4% | 1,352↑70.1% | 795 | |
| Operating Results | ||||||
| Operating Income | 739↑26.5% | 585↑38.5% | 422↑9.9% | 384↓7.0% | 413 | |
| Depreciation & Amortization | 42↑4.0% | 40↑5.4% | 38↑3.5% | 37↑4.2% | 35 | |
| EBITDA | 530↑58.4% | 335↑26.0% | 266↓12.9% | 305↓18.0% | 372 | |
| EBIT | 488↑65.8% | 294↑29.5% | 227↓15.2% | 268↓20.3% | 337 | |
| Interest & Other Income | ||||||
| Net Interest Income | -170 | 0.00↑100.0% | -195↓68.1% | -116↓51.5% | -77 | |
| Interest Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Interest Expense | 170 | 0.00↓100.0% | 195↑68.1% | 116↑51.5% | 77 | |
| Non-Operating Income | 251↓13.4% | 290↑49.1% | 195↑68.1% | 116↑51.5% | 77 | |
| Other Income / Expenses | -338↓7.9% | -314↓60.9% | -195↓74.9% | -111↓46.8% | -76 | |
| Income Before Tax | 401↑47.9% | 271↑19.3% | 227↓16.6% | 273↓19.2% | 337 | |
| Income Tax Expense | 93↑50.3% | 62↑18.3% | 52↓20.0% | 65↓18.7% | 80 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 308↑47.2% | 209↑19.6% | 175↓15.6% | 207↓19.3% | 257 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 308↑47.2% | 209↑19.6% | 175↓15.6% | 207↓19.1% | 256 | |
| Bottom-Line Net Income | 308↑47.2% | 209↑19.6% | 175↓15.6% | 207↓19.1% | 256 | |
| EPS (Basic) | 12.26↑57.6% | 7.78↑36.3% | 5.71↓11.1% | 6.42↓8.9% | 7.05 | |
| EPS (Diluted) | 11.58↑55.9% | 7.43↑35.3% | 5.49↓11.3% | 6.19↓8.8% | 6.79 | |
| Weighted Average Shares | 25↓8.0% | 27↓12.2% | 31↓5.0% | 32↓11.2% | 36 | |
| Weighted Average Diluted Shares | 26↓6.5% | 28↓11.7% | 32↓4.7% | 33↓11.3% | 38 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.