Enova International Inc. | Mid-cap | Financial Services
$121.13
3.83%
| Enova International Stock Comparison:
Enova International vs VisaEnova International vs American ExpressEnova International vs OneMain HoldingsEnova International vs FirstCash HoldingsEnova International vs Upstart HoldingsEnova International vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 764.0M
Gross Profit 358.7M 46.94%
Operating Income 101.3M 13.26%
Net Income 76.1M 9.97%
EPS (Diluted) $2.86

Balance Sheet Metrics

Total Assets 5.5B
Total Liabilities 4.3B
Shareholders Equity 1.2B
Debt to Equity 3.56

Cash Flow Metrics

Operating Cash Flow 391.1M
Free Cash Flow 378.3M

Revenue & Profitability Trend

Enova International Income Statement From 2020 to 2024

Metric20242023202220212020
Revenue i2.7B2.1B1.7B1.2B1.1B
Cost of Goods Sold i1.4B1.1B734.4M260.2M486.2M
Gross Profit i1.2B1.0B1.0B947.8M597.5M
Gross Margin % i46.6%48.9%57.7%78.5%55.1%
Operating Expenses
Research & Development i-----
Selling, General & Administrative i680.1M574.7M523.0M428.1M210.4M
Other Operating Expenses i224.4M194.9M173.7M147.7M96.3M
Total Operating Expenses i904.5M769.6M696.7M575.8M306.7M
Operating Income i294.3M227.4M268.1M336.6M271.1M
Operating Margin % i11.1%10.7%15.4%27.9%25.0%
Non-Operating Items
Interest Income i-----
Interest Expense i--115.9M76.5M86.7M
Other Non-Operating Income-23.2M-109.0K4.5M601.0K164.3M
Pre-tax Income i271.1M227.2M272.6M337.2M435.4M
Income Tax i61.7M52.1M65.2M80.1M57.2M
Effective Tax Rate % i22.7%22.9%23.9%23.8%13.1%
Net Income i209.4M175.1M207.4M257.1M377.9M
Net Margin % i7.9%8.3%11.9%21.3%34.9%
Key Metrics
EBITDA i341.3M265.7M306.9M374.3M127.2M
EPS (Basic) i$7.78$5.71$6.42$7.05$11.85
EPS (Diluted) i$7.43$5.49$6.19$6.79$11.70
Basic Shares Outstanding i2692000030673000322900003635100031897000
Diluted Shares Outstanding i2692000030673000322900003635100031897000

Income Statement Trend

Enova International Balance Sheet From 2020 to 2024

Metric20242023202220212020
Assets
Current Assets
Cash & Equivalents i73.9M54.4M100.2M165.5M297.3M
Short-term Investments i-----
Accounts Receivable i---2.0B1.2B
Inventory i-----
Other Current Assets-----
Total Current Assets i4.8B4.1B3.3B2.3B1.7B
Non-Current Assets
Property, Plant & Equipment i18.2M14.3M19.3M23.1M40.1M
Goodwill i569.5M577.6M585.9M594.0M562.0M
Intangible Assets i11.0M19.0M27.4M35.4M26.0M
Long-term Investments-----
Other Non-Current Assets24.2M41.6M54.7M51.3M43.5M
Total Non-Current Assets i452.6M462.8M474.0M467.5M457.1M
Total Assets i5.3B4.6B3.8B2.8B2.1B
Liabilities
Current Liabilities
Accounts Payable i59.0M43.3M30.8M37.2M26.7M
Short-term Debt i233.3M---29.7M
Current Portion of Long-term Debt-----
Other Current Liabilities82.5M135.2M87.7M44.1M39.0M
Total Current Liabilities i483.3M261.2M198.3M156.1M156.4M
Non-Current Liabilities
Long-term Debt i3.4B3.0B2.3B1.4B984.7M
Deferred Tax Liabilities i223.6M113.4M104.2M86.9M48.1M
Other Non-Current Liabilities-----
Total Non-Current Liabilities i3.6B3.1B2.4B1.5B1.0B
Total Liabilities i4.1B3.3B2.6B1.7B1.2B
Equity
Common Stock i00000
Retained Earnings i1.7B1.5B1.3B1.1B849.5M
Treasury Stock i815.4M526.1M372.9M229.9M113.2M
Other Equity-----
Total Shareholders Equity i1.2B1.2B1.2B1.1B918.8M
Key Metrics
Total Debt i3.6B3.0B2.3B1.4B1.0B
Working Capital i4.3B3.9B3.1B2.1B1.5B

Balance Sheet Composition

Enova International Cash Flow Statement From 2020 to 2024

Metric20242023202220212020
Operating Activities
Net Income i209.4M175.1M207.4M257.1M377.9M
Depreciation & Amortization i40.2M38.2M36.9M35.4M19.7M
Stock-Based Compensation i31.8M26.7M22.0M21.2M18.0M
Working Capital Changes i-14.0M30.0M-8.6M-58.8M74.9M
Operating Cash Flow i397.1M287.2M277.5M290.5M340.8M
Investing Activities
Capital Expenditures i---43.6M-29.7M-29.5M
Acquisitions i008.7M-27.2M109.9M
Investment Purchases i-----
Investment Sales i-----
Investing Cash Flow i-1.9B-1.4B-1.7B-980.4M83.6M
Financing Activities
Share Repurchases i-289.3M-153.2M-143.1M-116.7M-56.4M
Dividends Paid i-----
Debt Issuance i2.1B1.4B827.7M547.3M153.0M
Debt Repayment i-2.3B-1.1B-95.5M-376.7M-731.8M
Financing Cash Flow i-448.3M144.9M690.6M247.7M-760.9M
Free Cash Flow i1.5B1.1B850.4M442.2M711.4M
Net Change in Cash i-1.9B-1.0B-698.2M-442.2M-336.5M

Cash Flow Trend

Enova International Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 12.91
Forward P/E 11.15
Price to Book 2.47
Price to Sales 2.22
PEG Ratio 0.26

Profitability Ratios

Profit Margin 18.79%
Operating Margin 28.25%
Return on Equity 21.56%
Return on Assets 4.86%

Financial Health

Current Ratio 20.43
Debt to Equity 325.25
Beta 1.52

Per Share Data

EPS (TTM) $9.38
Book Value per Share $49.01
Revenue per Share $52.70

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
enva3.0B12.912.4721.56%18.79%325.25
Visa 658.8B33.1217.3351.76%52.16%65.02
American Express 226.4B22.837.0132.81%15.99%187.93
OneMain Holdings 7.2B10.922.1620.50%24.07%663.05
FirstCash Holdings 6.5B22.613.0514.17%8.61%94.52
Upstart Holdings 6.1B-43.818.40-0.96%-0.72%212.94

Financial data is updated regularly. All figures are in the company's reporting currency.