ENVA
Enova International, Inc.
Stock
$172.89+1.40 (+0.82%)Close Oct 2, 2026
Income statement
| Line | Last 12 months | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.4B | $3.2B | $2.7B | $2.1B | $1.7B | $1.2B | $1.1B | $1.2B | $973M | $729M | $746M | $653M | $810M | $765M | $661M |
| Cost of revenue | $1.4B | $1.3B | $1.1B | $888M | $619M | $184M | $400M | $603M | $503M | $353M | $328M | $217M | $267M | $315M | $288M |
| Gross profit | $2.1B | $1.8B | $1.5B | $1.2B | $1.1B | $1.0B | $684M | $572M | $469M | $375M | $418M | $436M | $543M | $450M | $372M |
| Operating income | $828M | $739M | $585M | $422M | $384M | $413M | $358M | $248M | $176M | $116M | $121M | $124M | $215M | $143M | $114M |
| Non-operating income | −$366M | −$338M | −$314M | −$195M | −$111M | −$76M | $78M | −$78M | −$107M | −$97M | −$64M | −$54M | −$39M | −$21M | −$21M |
| Pretax income | $462M | $401M | $271M | $227M | $273M | $337M | $435M | $170M | $69M | $20M | $57M | $71M | $176M | $122M | $93M |
| Taxes | $106M | $93M | $62M | $52M | $65M | $81M | $58M | $133M | −$1.2M | −$9.6M | $23M | $27M | $65M | $44M | $34M |
| Net income | $355M | $308M | $209M | $175M | $207M | $256M | $378M | $37M | $70M | $29M | $35M | $44M | $112M | $78M | $59M |
| Diluted EPS | $13.43 | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 | $1.06 | $1.99 | $0.86 | $1.03 | $1.33 | $3.38 | $2.36 | $1.78 |
| Diluted shares | — | 26.8M | 28.2M | 31.9M | 33.5M | 37.7M | 32.3M | 34.4M | 35.2M | 34.1M | 33.5M | 33.0M | 33.0M | 33.0M | 33.0M |
| Revenue growth | — | +18.6% | +25.5% | +22.0% | +43.7% | +11.5% | −7.8% | +20.8% | +33.4% | −2.2% | +14.2% | −19.4% | +5.8% | +15.8% | — |
| Gross margin | 59.8% | 58.1% | 57.5% | 58.1% | 64.4% | 84.8% | 63.1% | 48.7% | 48.2% | 51.5% | 56.0% | 66.8% | 67.1% | 58.8% | 56.4% |
| Operating margin | 24.0% | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% | 33.0% | 21.1% | 18.0% | 15.9% | 16.3% | 19.1% | 26.5% | 18.6% | 17.3% |
| Net margin | 10.3% | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% | 3.1% | 7.2% | 4.0% | 4.6% | 6.7% | 13.8% | 10.2% | 8.9% |