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    Enova International, Inc.

    View ENVA earnings calls

    Overview

    Price

    Market Cap

    Sector

    Rank

    Performance

    No price data available

    Financials

    Income Statement

    Financial Trajectories

    11
    Quarterly
    MetricQ3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Trend
    EarningsRevenue
    $689.92M
    $729.55M
    $745.54M
    $764.04M
    $802.68M
    +16.3%
    $839.39M
    +15.1%
    $875.14M
    +17.4%
    $928.93M
    +21.6%
    Strengthening
    Operating Profit
    $153.71M
    $155.20M
    $171.90M
    $184.11M
    $196.78M
    +28.0%
    $186.65M
    +20.3%
    $207.11M
    +20.5%
    $237.15M
    +28.8%
    Strengthening
    Net Profit
    $43.41M
    $63.70M
    $72.94M
    $76.15M
    $80.31M
    +85.0%
    $78.98M
    +24.0%
    $91.10M
    +24.9%
    $105.06M
    +38.0%
    Strengthening
    EPS
    $1.64
    $2.84
    $3.01
    $3.22
    +96.3%
    $3.66
    +28.9%
    $4.22
    +40.2%
    Strengthening
    Other Income
    Interest
    $76.90M
    $76.99M
    $80.54M
    $82.78M
    $86.95M
    +13.1%
    $89.03M
    +15.6%
    $94.05M
    +16.8%
    $97.82M
    +18.2%
    Strengthening
    Depreciation
    Profit before Tax
    $55.49M
    $77.40M
    $91.03M
    $101.05M
    $110.17M
    +98.5%
    $98.78M
    +27.6%
    $112.86M
    +24.0%
    $140.11M
    +38.6%
    Strengthening
    MarginsOPM
    22.3%
    21.3%
    23.1%
    24.1%
    24.5%
    +10.0%
    22.2%
    +4.6%
    23.7%
    +2.6%
    25.5%
    +5.9%
    Strengthening
    Tax
    21.8%
    17.7%
    19.9%
    24.6%
    27.1%
    +24.5%
    20.1%
    +13.3%
    19.3%
    -3.0%
    25.0%
    +1.5%
    Strengthening
    ReturnsROIC
    2.0%
    2.9%
    3.3%
    3.5%
    3.6%
    +85.0%
    3.6%
    +24.0%
    4.1%
    +24.9%
    4.8%
    +38.0%
    Strengthening

    Balance Sheet

    Balance Sheet

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    AssetsCash & Equivalents$28.11M$35.90M$297.27M$165.48M$100.17M$54.36M$73.91M$71.71M$122.23M
    Short-Term Investments
    Total Current Assets
    Net PP&E$46.06M$74.13M$119.54M$101.50M$112.58M$122.96M$138.16M$149.12M$155.60M
    Goodwill$267.01M$267.01M$267.97M$279.27M$279.27M$279.27M$279.27M$279.27M$279.27M
    Intangibles$3.25M$2.19M$26.01M$35.44M$27.39M$19.00M$10.95M$3.66M$2.15M
    Total Assets$1.33B$1.57B$2.11B$2.76B$3.78B$4.59B$5.27B$6.47B$7.22B
    LiabilitiesTotal Current Liabilities
    Short-Term Debt
    Long-Term Debt$857.93M$991.18M$946.46M$1.38B$2.26B$2.94B$3.56B$4.50B$5.01B
    Long-Term Leases
    Total Liabilities$986.58M$1.20B$1.19B$1.67B$2.59B$3.35B$4.07B$5.13B$5.73B
    EquityCommon Stock & APIC$0$0$0$0$0$0$0$0$0
    Retained Earnings$336.42M$372.68M$849.47M$1.11B$1.31B$1.49B$1.70B$2.01B$2.20B
    Total Equity$347.77M$376.61M$917.35M$1.09B$1.19B$1.24B$1.20B$1.34B$1.50B
    HighlightsNet Cash / (Debt)

    Cash Flow

    Cash Flow

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    ActivitiesCash from Operating$684.84M$848.64M$740.87M$471.87M$894.00M$1.17B$1.54B$1.82B$2.00B
    Cash from Investing-$720.93M-$941.40M$83.58M-$980.37M-$1.67B-$1.49B-$1.91B-$2.45B-$2.82B
    Cash from Financing$22.48M$95.48M-$535.97M$365.15M$724.87M$526.54M$318.88M$711.82M$906.27M
    SummaryCapital Expenditure-$14.66M-$20.06M-$29.49M-$29.67M-$43.63M-$45.24M-$43.42M-$47.14M-$46.41M
    Free Cash Flow$670.18M$828.58M$711.38M$442.19M$850.37M$1.12B$1.50B$1.77B$1.95B
    FCF Margin68.9%70.5%65.6%36.6%49.0%53.0%56.3%56.2%56.7%