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Enova International (ENVA)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Enova International Income Statement 2025-2011 | ENVA
Brief overview of profit and loss at Enova International
The conclusions below are based on five years of reported results. According to figures from Enova International, revenue changed from 1.1 billion dollars to 3.2 billion dollars over five years. The cumulative result was +190.8%, corresponding to roughly 23.8% per year. The annual growth rate indicates an exceptionally strong top-line trend.
The five-year change in net income was −18.4%: from $378 million to $308 million. The final result developed less favorably than the core business.
The market value of the business moved from 721 million dollars to 3.6 billion dollars, or +406.2%. Market optimism is not supported by the direction of the results.
Financial takeaway
The financial profile remains mixed, with strengths and risks moving in different directions. The financial profile benefits from revenue expansion. The main areas of concern are lower net income. The next reporting periods will show whether revenue, margins, and final profitability can strengthen.
Annual Income Statement Enova International
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
3.65 B | 2.94 B | 1.89 B | 1.57 B | 1.46 B | 721 M | 903 M | 802 M | 629 M | 461 M | 184 M | 635 M | - | - | - |
Shares |
25.2 M | 26.9 M | 30.7 M | 32.3 M | 36.4 M | 31.9 M | 33.7 M | 34 M | 33.5 M | 33.2 M | 33 M | 33 M | - | - | - |
Historical Prices |
145 | 109 | 61.6 | 48.8 | 40.3 | 22.6 | 25.1 | 23.1 | 17.9 | 14.1 | 5.57 | 19.2 | - | - | - |
Net Income |
308 M | 209 M | 175 M | 207 M | 256 M | 378 M | 36.6 M | 70.1 M | 29.2 M | 34.6 M | 44 M | 112 M | 78 M | 58.9 M | 37 M |
Revenue |
3.15 B | 2.66 B | 2.12 B | 1.74 B | 1.21 B | 1.08 B | 1.17 B | 1.11 B | 844 M | 746 M | 653 M | 810 M | 765 M | 661 M | 261 M |
Cost of Revenue |
- | - | - | - | - | - | 603 M | 503 M | 353 M | 328 M | 217 M | 267 M | 315 M | 288 M | - |
Gross Profit |
1.83 B | 1.53 B | 1.23 B | 1.12 B | 1.02 B | 684 M | 572 M | 543 M | 447 M | 418 M | 436 M | 543 M | 450 M | 372 M | - |
Operating Income |
739 M | 585 M | 422 M | 384 M | 413 M | 358 M | 248 M | 176 M | 116 M | 121 M | 124 M | 215 M | 143 M | 114 M | - |
Interest Expense |
339 M | 290 M | 195 M | 116 M | 76.5 M | 86.7 M | 75.6 M | 79.4 M | -74 M | -65.6 M | -52.9 M | 38.5 M | 19.8 M | 21 M | - |
EBITDA |
781 M | 625 M | 460 M | 421 M | 448 M | 378 M | 263 M | 198 M | 149 M | 137 M | 143 M | 234 M | 160 M | 127 M | 289 M |
Operating Expenses |
1.09 B | 945 M | 808 M | 734 M | 611 M | 326 M | 324 M | 360 M | 313 M | 296 M | 311 M | 328 M | 308 M | 258 M | - |
General and Administrative Expenses |
170 M | 157 M | 160 M | 140 M | 157 M | 141 M | 193 M | 220 M | 197 M | 183 M | 176 M | 181 M | 155 M | 136 M | 118 M |
Annual performance
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All numbers in USD currency
Quarterly Income Statement Enova International
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
24.9 M | 24.9 M | 24.7 M | 25 M | 25.3 M | 25.7 M | 25.8 M | 26.4 M | 26.9 M | 28.2 M | 29.1 M | 30.6 M | 31.1 M | 31.3 M | 31.2 M | 31.9 M | 32.5 M | 33.4 M | 34.1 M | 36.7 M | 36.8 M | 36.1 M | 35.8 M | 30.1 M | 30.2 M | 32.3 M | 33 M | 34 M | 33.8 M | 33.5 M | 33.6 M | 34.2 M | 34 M | 33.7 M | 33.5 M | 33.7 M | 33.6 M | 33.4 M | 33.3 M | 33.2 M | 33.2 M | 33.1 M | 33.1 M | 33 M | 33 M | 33 M | 33 M | 33 M | 33 M | 33 M | 33 M | 33 M | - | - | - | - | - | - | - | - | - | - |
Net Income |
105 M | 91.1 M | - | 80.3 M | 76.1 M | 72.9 M | - | 43.4 M | 53.9 M | 48.4 M | - | 41.3 M | 48.1 M | 50.9 M | - | 51.7 M | 52.4 M | 52.4 M | - | 51.5 M | 80.2 M | 75.9 M | - | 93.7 M | 48 M | 5.46 M | -50.6 M | 27.1 M | 25.1 M | 35 M | 8.67 M | 15.3 M | 18.2 M | 27.9 M | 6.88 M | -3.37 M | 11.9 M | 13.9 M | 8.71 M | 7.84 M | 8.19 M | 9.86 M | 4.18 M | 4.42 M | 10.9 M | 24.5 M | 22.5 M | 18.5 M | 30.6 M | 40.1 M | 19.7 M | 17.1 M | 18.4 M | 22.8 M | - | - | - | - | - | - | - | - |
Revenue |
929 M | 875 M | - | 803 M | 764 M | 746 M | - | 690 M | 628 M | 610 M | - | 551 M | 499 M | 483 M | - | 456 M | 408 M | 386 M | - | 320 M | 265 M | 259 M | - | 205 M | 253 M | 362 M | 345 M | 306 M | 259 M | 264 M | 277 M | 257 M | 219 M | 219 M | 244 M | 218 M | 190 M | 192 M | 202 M | 196 M | 173 M | 175 M | 175 M | 165 M | 146 M | 166 M | 195 M | 205 M | 201 M | 208 M | 209 M | 198 M | 176 M | 182 M | - | - | - | - | - | - | - | - |
Cost of Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 198 M | 162 M | 123 M | 119 M | 157 M | 147 M | 106 M | 92.8 M | 128 M | 107 M | 79.9 M | 81.9 M | 97.5 M | 95.4 M | 65.5 M | 69.6 M | 71.1 M | 65.6 M | 41.5 M | 38.6 M | 60.6 M | 72.9 M | 66.8 M | 66.4 M | 86.5 M | 90.4 M | 70.2 M | 68 M | - | - | - | - | - | - | - | - |
Gross Profit |
568 M | 529 M | - | 461 M | 441 M | 426 M | - | 400 M | 370 M | 346 M | - | 320 M | 299 M | 286 M | - | 294 M | 265 M | 269 M | - | 246 M | 259 M | 238 M | - | 182 M | 132 M | 127 M | 147 M | 143 M | 136 M | 146 M | 119 M | 111 M | 113 M | 127 M | 116 M | 111 M | 110 M | 110 M | 105 M | 101 M | 107 M | 105 M | 104 M | 99.6 M | 105 M | 127 M | 134 M | 132 M | 135 M | 142 M | 122 M | 108 M | 106 M | 114 M | - | - | - | - | - | - | - | - |
Operating Income |
237 M | 207 M | - | 197 M | 184 M | 172 M | - | 154 M | 145 M | 131 M | - | 104 M | 112 M | 109 M | - | 98.5 M | 89.5 M | 90.7 M | - | 86.2 M | 123 M | 123 M | - | 122 M | 86.6 M | 29.1 M | - | 57.5 M | 58.2 M | 73 M | - | 37.8 M | 43.1 M | 61.7 M | - | 27.7 M | 35.2 M | 38.1 M | - | 28.1 M | 28.8 M | 31.8 M | - | 18.9 M | 30.4 M | 54.1 M | - | 43 M | 55.4 M | 67.1 M | - | 31.3 M | - | - | - | - | - | - | - | - | - | - |
Interest Expense |
97.8 M | 94 M | - | 87 M | 82.8 M | 80.5 M | - | 76.9 M | 71 M | 65.6 M | - | 48.7 M | 45.6 M | 43.3 M | - | 30.9 M | 25 M | 22.5 M | - | 18.2 M | 19.4 M | 19.9 M | - | 18.6 M | 20.4 M | 20.4 M | - | -18.2 M | -18.1 M | -19.5 M | - | -20.2 M | -19.4 M | -19.7 M | - | -18.3 M | -17 M | -17.2 M | - | -16.1 M | -16 M | -15.9 M | - | -13.3 M | -12.9 M | 13.3 M | - | 13.1 M | -7.31 M | 4.75 M | - | 4.91 M | - | - | - | - | - | - | - | - | - | - |
EBITDA |
246 M | 216 M | - | 209 M | 194 M | 182 M | - | 164 M | 155 M | 141 M | - | 114 M | 120 M | 120 M | - | 110 M | 97.1 M | 100 M | - | 95.1 M | 130 M | 130 M | - | 126 M | 90.6 M | 32.8 M | - | 60.9 M | 61.8 M | 76.9 M | - | 41.5 M | 46.9 M | 65.6 M | - | 31.2 M | 38.6 M | 41.6 M | - | 31.9 M | 33 M | 35.8 M | - | 22.8 M | 35.4 M | 59.4 M | - | 48.3 M | 59.8 M | 71.2 M | - | 35.2 M | - | - | - | - | - | - | - | - | - | - |
Operating Expenses |
331 M | 322 M | - | 264 M | 257 M | 254 M | - | 247 M | 225 M | 215 M | - | 216 M | 188 M | 177 M | - | 196 M | 175 M | 178 M | - | 160 M | 136 M | 115 M | - | 59.8 M | 45.8 M | 97.4 M | - | 85.9 M | 77.8 M | 72.6 M | - | 92.3 M | 88.7 M | 84 M | - | 82.9 M | 74.8 M | 72.3 M | - | 72.5 M | 78.3 M | 73.2 M | - | 80.7 M | 74.4 M | 73 M | - | 89.3 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
General and Administrative Expenses |
44.1 M | 47.8 M | - | 39.7 M | 40.5 M | 42.5 M | - | 38.9 M | 39.7 M | 39.9 M | - | 37.7 M | 36.2 M | 37.2 M | - | 37.2 M | 33.7 M | 34.5 M | - | 33.6 M | 38.7 M | 44.1 M | - | 33.7 M | 22.3 M | 28 M | - | 27.3 M | 28.2 M | 29.1 M | - | 24.4 M | 28.3 M | 26.9 M | - | 25.2 M | 26.2 M | 25.7 M | - | 21.3 M | 27.5 M | 27.9 M | - | 22.6 M | 27.1 M | 25.6 M | - | 31.2 M | 26.9 M | 24.4 M | - | 18 M | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
Select metrics to display
All numbers in USD currency
The income statement is one of the three key financial reports of a company Enova International (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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