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Enova International, Inc. (ENVA)
Financial Services · Credit Services · NYSE
Enova International, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $745.57M | $728.90M | $972.62M | $1.17B | $1.08B | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Gross profit | $417.60M | $375.42M | $469.22M | $571.86M | $684.19M | $1.02B | $1.12B | $1.23B | $1.53B | $1.83B |
| Net income | $34.60M | $29.24M | $70.10M | $36.61M | $377.84M | $256.30M | $207.42M | $175.12M | $209.45M | $308.39M |
| Net margin | 4.6% | 4.0% | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
Source: Enova International, Inc. SEC filings (10-K). 14 years of history available in the interactive view.
What growth is priced into ENVA stock?
At today's market cap of $4.48B, Enova International, Inc. is priced for free-cash-flow growth of about -23.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $1.77B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 20%/yr over the last five fiscal years and revenue 23.8%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 14 years of Enova International, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Enova International, Inc. financial history by metric
About Enova International, Inc.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
Enova International, Inc. — frequently asked questions
What is Enova International, Inc.'s revenue?
Enova International, Inc. (ENVA) reported revenue of $3.15B for fiscal year 2025, up 18.6% from the prior year, according to its SEC filings.
Is Enova International, Inc. profitable?
Yes. ENVA earned net income of $308.39M in fiscal 2025, a net margin of 9.8%.
What is ENVA's P/E ratio?
Enova International, Inc. trades at a price-to-earnings ratio of about 14.7 based on the latest data in our nightly-refreshed cache.
How fast is Enova International, Inc. growing?
ENVA's revenue grew at roughly 23.8% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Enova International, Inc. have?
As of fiscal year 2025, ENVA carried roughly $4.50B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Enova International, Inc.'s gross margin?
ENVA's gross margin was 58.1% in fiscal 2025 — gross profit of $1.83B on revenue of $3.15B.
What is Enova International, Inc.'s market cap?
Enova International, Inc. (ENVA) has a market capitalization of about $4.48B, based on the latest data in our nightly-refreshed cache.
When does Enova International, Inc.'s fiscal year end?
ENVA's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ENVA stock?
At today's market cap of $4.48B, Enova International, Inc. is priced for free-cash-flow growth of about -23.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $1.77B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 20%/yr over the last five fiscal years and revenue 23.8%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Enova International, Inc.'s official SEC filings (10-K and 10-Q), covering 14 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.