Enova International, Inc. financial data

Symbol
ENVA on NYSE
Location
Chicago, IL
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 20 Feb 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 368% % 14%
Return On Equity 24% % 36%
Return On Assets 5.2% % 23%
Operating Margin 23% % 6.6%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 25,010,319 shares -3%
Common Stock, Shares, Outstanding 24,715,608 shares -4.2%
Common Stock, Value, Issued $0 USD
Weighted Average Number of Shares Outstanding, Basic 25,169,000 shares -6.5%
Weighted Average Number of Shares Outstanding, Diluted 26,775,000 shares -5.1%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $3,151,653,000 USD 19%
General and Administrative Expense $169,722,000 USD 8.4%
Operating Income (Loss) $739,432,000 USD 26%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $401,034,000 USD 48%
Income Tax Expense (Benefit) $92,645,000 USD 50%
Net Income (Loss) Attributable to Parent $308,389,000 USD 47%
Earnings Per Share, Basic 12.25 USD/shares 57%
Earnings Per Share, Diluted 11.52 USD/shares 55%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $71,709,000 USD -3%
Property, Plant and Equipment, Net $132,566,000 USD 11%
Operating Lease, Right-of-Use Asset $16,549,000 USD -9.1%
Intangible Assets, Net (Excluding Goodwill) $3,660,000 USD -67%
Goodwill $279,275,000 USD 0%
Assets $6,468,432,000 USD 23%
Deferred Income Tax Liabilities, Net $295,437,000 USD 32%
Liabilities $5,131,708,000 USD 26%
Accumulated Other Comprehensive Income (Loss), Net of Tax $9,500,000 USD 31%
Retained Earnings (Accumulated Deficit) $2,006,143,000 USD 18%
Stockholders' Equity Attributable to Parent $1,336,724,000 USD 12%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,336,724,000 USD 12%
Liabilities and Equity $6,468,432,000 USD 23%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $391,144,000 USD 12%
Net Cash Provided by (Used in) Financing Activities $107,327,000 USD
Net Cash Provided by (Used in) Investing Activities $509,590,000 USD -15%
Common Stock, Shares Authorized 250,000,000 shares 0%
Common Stock, Shares, Issued 47,441,228 shares 2%
Common Stock, Par or Stated Value Per Share 0 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $10,812,000 USD 93%
Deferred Tax Assets, Valuation Allowance $27,524,000 USD 34%
Deferred Tax Assets, Gross $67,977,000 USD -12%
Operating Lease, Liability $32,041,000 USD -0.39%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $312,580,000 USD 55%
Lessee, Operating Lease, Liability, to be Paid $45,694,000 USD -5.9%
Property, Plant and Equipment, Gross $291,502,000 USD 12%
Lessee, Operating Lease, Liability, to be Paid, Year Two $6,912,000 USD 59%
Lessee, Operating Lease, Liability, to be Paid, Year One $4,548,000 USD 31%
Operating Lease, Weighted Average Discount Rate, Percent 0.0881 pure 0%
Deferred Income Tax Expense (Benefit) $9,189,000 USD -37%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $13,653,000 USD -17%
Lessee, Operating Lease, Liability, to be Paid, Year Three $6,312,000 USD -4.6%
Deferred Tax Assets, Operating Loss Carryforwards $8,533,000 USD -19%
Preferred Stock, Shares Issued 0 shares
Preferred Stock, Shares Authorized 25,000,000 shares 0%
Unrecognized Tax Benefits $117,959,000 USD 19%
Lessee, Operating Lease, Liability, to be Paid, Year Four $5,518,000 USD -11%
Preferred Stock, Shares Outstanding 0 shares
Interest Expense $339,305,000 USD 17%
Preferred Stock, Par or Stated Value Per Share 0 USD/shares 0%