NYSE · PERSONAL CREDIT INSTITUTIONS · LARGE CAP
Enova International, Inc. ENVA
14 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$3.2B
▲ 18.6% vs FY2024
EPS · FY25
$11.52
Dividend / sh · FY25
—
Payout · FY25
—
ROE · FY25
24.3%
Net margin · FY25
9.8%
Dividend coverage
0.4×
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Result
USD 3.2B
Revenue, FY2025 · full 14-year series below
Revenue
Net income
10 cents of every revenue dollar became profit this year.
Per share
USD 11.52
Diluted EPS, FY2025
EPS
Dividend
Earnings covered only a fraction of the dividend — the rest came from cash or borrowing.
Profitability
24.3%
Return on equity, FY2025
ROE
Operating margin23.5%
Net margin9.8%
Return on assets5.3%
Each USD of equity produced 24 cents of profit this year.
Returned to shareholders
USD 205.9M
returned in FY2025 · dividends + net buybacks
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.
Growth
+23.8% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+22.0%
+23.8%
+17.1%
Net income
+14.1%
−4.0%
+21.5%
EPS, diluted
+23.0%
−0.3%
+24.1%
Returned to shareholders
+14.0%
+29.6%
+101.5%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.02B
Shares outstanding, FY2025
Change, 5 years−30.9%
Change, 10 years−25.4%
The share count shrank 31% in five years — the same company, cut into fewer, larger slices.
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Balance sheet
USD 6.5B
total assets, end of FY2025
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.
History
14 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
Revenue $B
3.2
2.7
2.1
1.7
1.2
1.1
1.2
1.0
0.7
0.7
0.7
0.8
0.8
0.7
Operating income $B
0.7
0.6
0.4
0.4
0.4
0.4
0.2
0.2
0.1
0.1
0.1
0.2
0.1
0.1
EBITDA $B
0.8
0.6
0.5
0.4
0.4
0.4
0.3
0.2
0.1
0.1
0.1
0.2
0.2
0.1
Income tax $B
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.0
0.0
0.0
0.0
0.1
0.0
0.0
Net income $B
0.3
0.2
0.2
0.2
0.3
0.4
0.0
0.1
0.0
0.0
0.0
0.1
0.1
0.1
EPS, diluted $
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
Dividend / sh $
·
·
·
·
·
·
·
·
·
·
3.71
3.71
·
·
Payout %
·
·
·
·
·
·
·
·
·
·
·
110
·
·
ROE %
24.3
17.2
14.4
18.2
25.5
58.4
10.1
22.3
11.2
15.5
24.4
68.3
57.7
60.4
Shares out B
0.02
0.03
0.03
0.03
0.03
0.04
0.03
0.03
0.03
0.03
0.03
0.03
0.03
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
37 of 37
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed