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NYSE · PERSONAL CREDIT INSTITUTIONS · LARGE CAP

Enova International, Inc. ENVA

14 fiscal years on record · USD · FY2025 reported · SEC filings only
$3.2B
▲ 18.6% YoY
$308.4M
▲ 47.2% YoY
$1.8B
▲ 18.5% YoY
In brief

What this company does

It has one reportable segment that includes all of its online financial services. As of December 31, 2025, it had 1,836 employees, with 1,794 of its employees located in the United States. Enova began its online business in the United States in May 2004. In October 2020, it acquired, through a merger, On Deck Capital Inc., a small business lending company offering lending and funding solutions to small businesses, to expand its small business offerings.

Written from the business description in Enova International, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 20 February 2026. Every sentence was checked against that document before publication.

Growth
USD 3.2B
Revenue, FY2025 · full 14-year series below
Revenue $B Net income $B
FY2025 · Revenue 3.2 · Net income 0.3
2B20122014201620182020202220242025
Compound annual growth
+22.0%
+23.8%
+17.1%
+14.1%
−4.0%
+21.5%
+23.0%
−0.3%
+24.1%
+14.0%
+29.6%
+101.5%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +23.8% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
10 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 23.5% · Net 9.8%
10%20%30%20122014201620182020202220242025
ROE
FY2025 · ROE 24.3%
20%40%60%20122014201620182020202220242025
Gross margin58.1%
Operating margin23.5%
Net margin9.8%
Return on assets5.3%
EBITDAUSD 773.9M

Each USD of equity produced 24 cents of profit this year.

Cash & shareholders
USD 205.9M
returned in FY2025 · dividends + net buybacks
Free cash flow $B
FY2025 · FCF 1.8
0.8B1.6B20122014201620182020202220242025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 205.9
100M200M2014201620182020202220242025
Dividends paid—
Net buybacksUSD 205.9M
Share of profit66.8%
Consecutive raises—

USD 205.9M in buybacks — 67% of the year's profit went back to shareholders.

Total assetsUSD 6.5B
EquityUSD 1.3B
CashUSD 71.7M
Gross debtUSD 4.5B
Net debtUSD 4.4B

Net debt stands at 331% of equity.

The 14-year record
14 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015201420132012
Revenue $B3.22.72.11.71.21.11.21.00.70.70.70.80.80.7
Operating income $B0.70.60.40.40.40.40.20.20.10.10.10.20.10.1
EBITDA $B0.80.60.50.40.40.40.30.20.10.10.10.20.20.1
Income tax $B0.10.10.10.10.10.10.00.00.00.00.00.10.00.0
Net income $B0.30.20.20.20.30.40.00.10.00.00.00.10.10.1
Free cash flow $B1.81.51.10.90.40.70.80.70.40.40.30.40.40.4
EPS, diluted $11.527.435.496.196.7911.701.061.990.861.031.333.382.361.78
Dividend / sh $··········3.713.71··
Payout %···········110··
ROE %24.317.214.418.225.558.410.122.311.215.524.468.357.760.4
Shares out B0.020.030.030.030.030.040.030.030.030.030.030.030.03·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 51 reconciliationsAUDITED

Reconciled in 14 of 19 fiscal years. 44 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityPersonal Credit Institutions
Listed onNYSE
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2012

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