FY2025 · ended Dec 31, 2025 · Revenue $3.15B, +18.6% YoY · Filed Feb 20, 2026
Enova International, Inc. (ENVA) files with the SEC under industry code 6141, Personal Credit Institutions. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $3.2 billion and net income of $308.4 million. Free cash flow was $1.8 billion. As of Sep 30, 2026 it held $106.0 million in cash and investments and $5.4 billion in total debt.
Revenue (TTM)
$3.65B
+20.1% vs year-ago TTM
Net income (TTM)
$382.44M
+30.5% vs year-ago TTM
Operating cash flow (TTM)
$2.05B
+17.3% vs year-ago TTM
Free cash flow (TTM)
$2.01B
+17.7% vs year-ago TTM
EPS (TTM)
$14.47
+33.7% vs year-ago TTM
Dividend per share
$3.71
Shares outstanding
25.01M
-3.0% vs prior year
Net cash
$-5.30B
as of Sep 30, 2026
Operating margin
24.0%
FY 2026
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- ENVA (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Chicago, IL
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1529864
- Former names
- Enova International, Inc. (until Nov 5, 2026)
Other Personal Credit Institutions companies
- Affirm Holdings, Inc. AFRM
- OneMain Holdings, Inc. OMF
- Credit Acceptance Corp CACC
- Nelnet Inc NNI
- Bread Financial Holdings, Inc. BFH
- SLM Corp SLM
- Happen, Inc. HAPN
- Atlanticus Holdings Corp ATLC
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $3.2B | $2.7B | $2.1B | $1.7B | $1.2B |
| Operating income | $739.4M | $584.8M | $422.1M | $384.0M | $413.1M |
| Net income | $308.4M | $209.4M | $175.1M | $207.4M | $256.3M |
| Diluted EPS | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 |
| Operating cash flow | $1.8B | $1.5B | $1.2B | $894.0M | $471.9M |
| Free cash flow | $1.8B | $1.5B | $1.1B | $850.4M | $442.2M |
| Total assets | $6.5B | $5.3B | $4.6B | $3.8B | $2.8B |
| Total liabilities | $5.1B | $4.1B | $3.3B | $2.6B | $1.7B |
| Stockholders' equity | $1.3B | $1.2B | $1.2B | $1.2B | $1.1B |
| Cash and investments | $71.7M | $73.9M | $54.4M | $100.2M | $165.5M |
| Total debt | $4.5B | $3.6B | $3.0B | $2.3B | $1.4B |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Other events
|
Nov 5, 2026 | Nov 5, 2026 |
| 8-K |
Current report
Other events
|
Nov 4, 2026 | Nov 4, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Nov 3, 2026 | Nov 3, 2026 |
| 8-K |
Current report
Material agreement, New debt
|
Oct 30, 2026 | Oct 30, 2026 |
| 10-Q | Quarterly report | Oct 22, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 22, 2026 | Oct 22, 2026 |
All 1000 Enova International, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.