Enova International, Inc. financial data

Symbol
ENVA on NYSE
Location
Chicago, IL
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 24 Oct 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 357% % 18%
Return On Equity 24% % 56%
Return On Assets 5% % 38%
Operating Margin 23% % 11%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 24,801,579 shares -5.4%
Common Stock, Shares, Outstanding 24,883,481 shares -5.3%
Common Stock, Value, Issued $0 USD
Weighted Average Number of Shares Outstanding, Basic 24,955,000 shares -5.5%
Weighted Average Number of Shares Outstanding, Diluted 26,472,000 shares -4.5%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $3,041,813,000 USD 21%
General and Administrative Expense $160,668,000 USD -4.2%
Operating Income (Loss) $707,981,000 USD 34%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $379,647,000 USD 61%
Income Tax Expense (Benefit) $86,544,000 USD 58%
Net Income (Loss) Attributable to Parent $293,103,000 USD 62%
Earnings Per Share, Basic 11 USD/shares 75%
Earnings Per Share, Diluted 10 USD/shares 73%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $53,600,000 USD -21%
Property, Plant and Equipment, Net $128,690,000 USD 9.1%
Operating Lease, Right-of-Use Asset $17,167,000 USD 35%
Intangible Assets, Net (Excluding Goodwill) $4,910,000 USD -62%
Goodwill $279,275,000 USD 0%
Assets $5,962,237,000 USD 20%
Deferred Income Tax Liabilities, Net $286,930,000 USD 32%
Liabilities $4,678,562,000 USD 23%
Accumulated Other Comprehensive Income (Loss), Net of Tax $7,872,000 USD 16%
Retained Earnings (Accumulated Deficit) $1,927,162,000 USD 18%
Stockholders' Equity Attributable to Parent $1,283,675,000 USD 8.9%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $1,283,675,000 USD 8.9%
Liabilities and Equity $5,962,237,000 USD 20%

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 47,330,541 shares 1.9%
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 $20,478,000 USD 28%
Deferred Tax Assets, Gross $77,624,000 USD 33%
Operating Lease, Liability $32,247,000 USD 22%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $294,653,000 USD 82%
Lessee, Operating Lease, Liability, to be Paid $48,566,000 USD 11%
Property, Plant and Equipment, Gross $261,245,000 USD 8.9%
Lessee, Operating Lease, Liability, to be Paid, Year Two $4,341,000 USD 28%
Lessee, Operating Lease, Liability, to be Paid, Year One $3,471,000 USD 5.4%
Operating Lease, Weighted Average Discount Rate, Percent 0.09 pure 0%
Deferred Income Tax Expense (Benefit) $9,189,000 USD -37%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $16,401,000 USD -1.3%
Lessee, Operating Lease, Liability, to be Paid, Year Three $6,619,000 USD 78%
Deferred Tax Assets, Operating Loss Carryforwards $10,539,000 USD 15%
Preferred Stock, Shares Issued 0 shares
Preferred Stock, Shares Authorized 25,000,000 shares 0%
Unrecognized Tax Benefits $117,900,000 USD 14%
Lessee, Operating Lease, Liability, to be Paid, Year Four $6,213,000 USD 25%
Preferred Stock, Shares Outstanding 0 shares
Interest Expense $327,268,000 USD 21%
Preferred Stock, Par or Stated Value Per Share 0 USD/shares 0%