Financials in USD. Standardized financial statements.
A compact view of how Enova International, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $1.08B | $1.17B | $972.62M | $728.90M | $745.57M |
| Revenue Growth? | +18.6% | +25.5% | +22.0% | +43.7% | +11.5% | -7.8% | +20.8% | +33.4% | -2.2% | 0.0% |
| Cost of Revenue? | $1.57B | $1.42B | $1.08B | $734.41M | $260.18M | $486.21M | $678.50M | $582.77M | $427.49M | $393.57M |
| Gross Profit? | $1.58B | $1.24B | $1.04B | $1.00B | $947.75M | $597.50M | $496.26M | $389.85M | $301.41M | $352.00M |
| Gross Margin? | +50.1% | +46.6% | +48.9% | +57.7% | +78.5% | +55.1% | +42.2% | +40.1% | +41.4% | +47.2% |
| Operating Expenses? | $840.53M | $654.25M | $613.01M | $617.68M | $534.69M | $239.71M | $248.05M | $214.31M | $185.22M | $230.52M |
| Operating Income? | $739.43M | $584.76M | $422.13M | $383.99M | $413.06M | $357.80M | $248.21M | $175.55M | $116.19M | $121.48M |
| EBITDA? | $529.82M | $334.52M | $265.51M | $304.97M | $371.93M | $290.84M | $187.66M | $110.38M | $55.47M | $71.44M |
| Income Before Tax | $401.03M | $271.10M | $227.25M | $272.57M | $337.15M | $435.42M | $170.07M | $68.87M | $19.67M | $57.44M |
| Income Tax Expense | $92.64M | $61.65M | $52.13M | $65.15M | $80.09M | $57.19M | $42.05M | $5.30M | $2.06M | $22.83M |
| Net Income? | $308.39M | $209.45M | $175.12M | $207.42M | $256.30M | $377.84M | $36.61M | $70.10M | $29.24M | $34.60M |
| EPS? | $12.26 | $7.78 | $5.71 | $6.42 | $7.05 | $11.85 | $3.80 | $2.06 | $0.87 | $1.04 |
| Diluted EPS? | $11.58 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $3.72 | $1.99 | $0.86 | $1.03 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality