In fiscal 2025, which ended Dec 31, 2025, Enova International, Inc. reported revenue of $3.2 billion, up 18.6% from the year before. Net income was $308.4 million, a profit margin of 9.8%. Operating income came to $739.4 million, an operating margin of 23.5%. Diluted earnings per share were $11.52. Over the twelve months ended Sep 30, 2026, revenue was $3.7 billion and net income was $382.4 million. Across the 10 fiscal years shown, revenue grew from $745.6 million in fiscal 2016 to $3.2 billion in fiscal 2025, about 17.4% a year.
USD in millions, except per-share amounts and margins. The percent under a figure is the change from the year before.
| Line |
FY 2026
Sep 30, 2026
|
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
|
FY 2020
Dec 31, 2020
|
FY 2019
Dec 31, 2019
|
FY 2018
Dec 31, 2018
|
FY 2017
Dec 31, 2017
|
FY 2016
Dec 31, 2016
|
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
3,653
+20.1%
|
3,152
+18.6%
|
2,658
+25.5%
|
2,118
+22.0%
|
1,736
+43.7%
|
1,208
+11.5%
|
1,084
-7.8%
|
1,175
+20.8%
|
973
+33.4%
|
729
-2.2%
|
746
+14.2%
|
| Cost of revenue |
—
|
—
|
—
|
—
|
—
|
—
|
—
|
603
+19.8%
|
503
+42.4%
|
353
+7.8%
|
328
+51.2%
|
| Gross profit |
2,213
+27.1%
|
1,830
+19.7%
|
1,529
+24.4%
|
1,230
+10.1%
|
1,118
+9.1%
|
1,024
+49.7%
|
684
+19.6%
|
572
+21.9%
|
469
+25.0%
|
375
-10.1%
|
418
-4.2%
|
| Selling, general and administrative |
999
+34.8%
|
791
+16.3%
|
680
+18.3%
|
575
+9.9%
|
523
+22.2%
|
428
+103.5%
|
210
-6.2%
|
224
+11.6%
|
201
+14.1%
|
176
-9.8%
|
195
-10.8%
|
| Operating income |
878
+24.0%
|
739
+26.5%
|
585
+38.5%
|
422
+9.9%
|
384
-7.0%
|
413
+15.4%
|
358
+44.2%
|
248
+41.4%
|
176
+51.1%
|
116
-4.4%
|
121
-2.3%
|
| Interest expense |
384
+17.5%
|
339
+16.8%
|
290
+49.1%
|
195
+68.1%
|
116
+51.5%
|
77
-11.7%
|
87
|
—
|
—
|
—
|
—
|
| Foreign currency gain (loss) |
-0
+68.0%
|
0
+134.5%
|
-1
-1966.7%
|
0
+108.8%
|
-1
-68.8%
|
-0
-174.3%
|
1
+338.0%
|
-0
+90.7%
|
-2
-708.4%
|
0
-75.6%
|
2
+258.6%
|
| Other non-operating income (expense) |
-1
+38.0%
|
-1
+82.1%
|
-6
-1918.1%
|
-0
+78.7%
|
-1
+32.9%
|
-2
|
—
|
—
|
—
|
—
|
—
|
| Equity in earnings of affiliates |
2
+72.8%
|
2
+109.5%
|
-16
-14289.7%
|
0
-98.2%
|
6
+117.9%
|
3
+370.2%
|
1
|
—
|
—
|
—
|
—
|
| Pretax income |
495
+30.3%
|
401
+47.9%
|
271
+19.3%
|
227
-16.6%
|
273
-19.2%
|
337
-22.6%
|
435
+156.0%
|
170
+146.9%
|
69
+250.1%
|
20
-65.8%
|
57
-18.6%
|
| Income tax |
112
+29.6%
|
93
+50.3%
|
62
+18.3%
|
52
-20.0%
|
65
-18.7%
|
80
+40.0%
|
57
+36.0%
|
42
+693.3%
|
5
+157.7%
|
2
-91.0%
|
23
-13.9%
|
| Net income |
382
+30.5%
|
308
+47.2%
|
209
+19.6%
|
175
-15.6%
|
207
-19.1%
|
256
-32.2%
|
378
+932.0%
|
37
-47.8%
|
70
+139.7%
|
29
-15.5%
|
35
-21.3%
|
| Basic EPS |
15.39
+34.0%
|
12.25
+57.5%
|
7.78
+36.3%
|
5.71
-11.1%
|
6.42
-8.9%
|
7.05
-40.5%
|
11.85
+987.2%
|
1.09
-47.1%
|
2.06
+136.8%
|
0.87
-16.3%
|
1.04
-21.8%
|
| Diluted EPS |
14.47
+33.7%
|
11.52
+55.0%
|
7.43
+35.3%
|
5.49
-11.3%
|
6.19
-8.8%
|
6.79
-42.0%
|
11.70
+1003.8%
|
1.06
-46.7%
|
1.99
+131.4%
|
0.86
-16.5%
|
1.03
-22.6%
|
| Weighted average shares, basic |
25
-2.6%
|
25
-6.5%
|
27
-12.2%
|
31
-5.0%
|
32
-11.2%
|
36
+14.0%
|
32
-5.4%
|
34
-0.8%
|
34
+1.4%
|
34
+1.0%
|
33
+0.6%
|
| Weighted average shares, diluted |
26
-2.4%
|
27
-5.1%
|
28
-11.7%
|
32
-4.7%
|
33
-11.3%
|
38
+16.8%
|
32
-6.1%
|
34
-2.2%
|
35
+3.1%
|
34
+2.0%
|
33
+1.3%
|
| Other measures | |||||||||||
| Depreciation and amortization |
37
-13.9%
|
42
+4.0%
|
40
+5.4%
|
38
+3.5%
|
37
+4.2%
|
35
+79.3%
|
20
+31.1%
|
15
+6.0%
|
14
+6.9%
|
13
-14.7%
|
16
-15.4%
|
| EBITDA |
915
+21.9%
|
781
+25.0%
|
625
+35.8%
|
460
+9.4%
|
421
-6.2%
|
448
+18.8%
|
378
+43.4%
|
263
+38.7%
|
190
+46.6%
|
129
-5.5%
|
137
-4.0%
|
| Interest coverage |
2.28x
|
2.18x
|
2.01x
|
2.17x
|
3.31x
|
5.40x
|
4.13x
|
—
|
—
|
—
|
—
|
| Margins | |||||||||||
| Gross margin |
60.59%
|
58.07%
|
57.55%
|
58.08%
|
64.37%
|
84.79%
|
63.13%
|
48.68%
|
48.24%
|
51.50%
|
56.01%
|
| Operating margin |
24.04%
|
23.46%
|
22.00%
|
19.93%
|
22.12%
|
34.20%
|
33.02%
|
21.13%
|
18.05%
|
15.94%
|
16.29%
|
| Pretax margin |
13.54%
|
12.72%
|
10.20%
|
10.73%
|
15.70%
|
27.91%
|
40.18%
|
14.48%
|
7.08%
|
2.70%
|
7.70%
|
| Profit margin |
10.47%
|
9.78%
|
7.88%
|
8.27%
|
11.95%
|
21.22%
|
34.87%
|
3.12%
|
7.21%
|
4.01%
|
4.64%
|
| EBITDA margin |
25.05%
|
24.79%
|
23.51%
|
21.74%
|
24.24%
|
37.12%
|
34.84%
|
22.41%
|
19.51%
|
17.76%
|
18.38%
|
| Effective tax rate |
22.68%
|
23.10%
|
22.74%
|
22.94%
|
23.90%
|
23.75%
|
13.13%
|
24.73%
|
7.70%
|
10.46%
|
39.76%
|
How these figures are calculated
Annual columns are full-year amounts from the annual report (Form 10-K, 20-F, or 40-F). If a company restates a year, the latest filed number is shown. USD in millions, except per-share amounts and margins. Weighted average shares are in millions. Interest expense and finance costs are positive costs. A negative amount on a gain (loss) or income (expense) line is a loss or an expense. EBITDA is operating income plus depreciation and amortization. Interest coverage is operating income divided by interest expense. The first column is the trailing twelve months through the latest quarter. More on our methodology.
New to this? Read How to Read an Income Statement, With a Real Example.
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 4, 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
Source: SEC EDGAR filings. This is company-reported data, not investment advice.