Enova International, Inc.
ENVA NYSE· Personal Credit Institutions
Last close · Oct 27, 2026
$171.31
KIRA · Stoqly’s AI analyst, in plain words
- Enova International, Inc. had $3.2B of revenue in fiscal 2025, up 18.6% on the year before. Over five years, revenue changed +23.8% a year on average.
- Its operating margin was 23.5%, up 1.5 pts: of every 100 in sales, about 23 is left after running the business.
- Enova International, Inc. made $308M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 30.8% a year.
- Free cash flow was $1.8B in fiscal 2025, 56.2% of revenue.
- Enova International, Inc. returned $215M to shareholders in fiscal 2025, 12% of free cash flow. The diluted share count fell 5.1%.
- Enova International, Inc. owes $4.4B more than it holds in cash, about 5.7 years of operating profit.
Market cap
$4.5B
P/E
11.8x
Revenue
$3.2B
Net income
$308M
Free cash flow
$1.8B
Operating margin
23.5%
Enova International, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+18.6%
Yes. Sales grew 18.6% last year.
Does it make a profit?
9.8%
A little. It keeps 9.8% of every sale as profit.
Does profit turn into cash?
56.2%
Yes. 56.2% of sales ends up as free cash.
Is debt under control?
5.7x
Heavy. Repaying its debt would take 5.7 years of operating profit.
How healthy are the accounts?
6 / 8
Mixed. It passes 6 of 8 health tests.
How is the share priced?
11.8x
One share costs 11.8 times its yearly profit per share.
What Enova International, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- Enova International, Inc.
- CIK
- 0001529864
Enova International, Inc. · ENVA
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.2B | $1.7B | $2.1B | $2.7B | $3.2B |
| Revenue growth | 11.5% | 43.7% | 22.0% | 25.5% | 18.6% |
| Gross margin | 84.8% | 64.4% | 58.1% | 57.5% | 58.1% |
| Operating margin | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% |
| Net income | $256M | $207M | $175M | $209M | $308M |
| Net margin | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
| Diluted EPS | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 |
| Cash | |||||
| Cash from operations | $472M | $894M | $1.2B | $1.5B | $1.8B |
| Capital expenditure | $29.7M | $43.6M | $45.2M | $43.4M | $47.1M |
| Free cash flow | $442M | $850M | $1.1B | $1.5B | $1.8B |
| FCF margin | 36.6% | 49.0% | 53.0% | 56.3% | 56.2% |
| Share buybacks | $117M | $143M | $153M | $289M | $215M |
| Share count change | 16.8% | −11.3% | −4.7% | −11.7% | −5.1% |
| Debt and strength | |||||
| Cash and short-term investments | $165M | $100M | $54.4M | $73.9M | $71.7M |
| Debt incl. finance leases | $1.4B | $2.3B | $2.9B | $3.6B | $4.5B |
| Shareholders' equity | $1.1B | $1.2B | $1.2B | $1.2B | $1.3B |
| Net debt / EBITDA | 2.7x | 5.1x | 6.3x | 5.6x | 5.7x |
| Interest coverage | 5.4x | 3.3x | 2.2x | 2.0x | 2.2x |
| Returns and quality | |||||
| Return on capital | 13.6% | 8.7% | 7.9% | 9.6% | 9.9% |
| Return on equity | 25.5% | 18.2% | 14.4% | 17.2% | 24.3% |
| Return on tangible equity | 32.9% | 23.6% | 18.6% | 23.1% | 29.3% |
| Piotroski F-score | 4 | 5 | 5 | 6 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$59.4M
7 insiders
Of sales under plans
48%
$28.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Enova International, Inc. · ENVA
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $171.31 a share, the company is worth $4.5B: 11.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001529864). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.