ENVA - NYSE

Enova International, Inc.

ENVA·NYSE

$158.90

-1.5%

Financial ServicesFinancial - Credit Services

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$3.95B

EPS12.2600

P/E Ratio12.96

Earnings Date07/23/2026

6.47B

Assets

23%

3Y+71.0%

5Y+207.0%

10Y+561.0%

5.13B

Total Liabilities

26%

3Y+98.0%

5Y+332.0%

10Y+597.0%

1.34B

Total Equity

12%

3Y+13.0%

5Y+45.0%

10Y+453.0%

Enova International, Inc. Funding & Solvency Profile

ENVA · NYSE

Current Assets

Cash & Cash Equivalents71.71M

Net Receivables5.51B

Inventory0.00

Other Current Assets-5.51B

Total Current Assets72 M

Non-Current Assets

Property, Plant & Equipment181.16M

Goodwill & Intangible Assets282.94M

Long-Term Investments0.00

Other Non-Current Assets0.00

Total Non-Current Assets181 M

Total Assets

6.47B

Financial Health Analysis

Current Ratio

0.23x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

3.84x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-234140000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

1% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Enova International, Inc. Balance Sheet

ENVA • NYSE

Enova International, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	71.7M	73.9M	377.4M	100.2M	165.5M	297.3M	35.9M	28.1M	68.7M	39.9M	42.1M	75.1M	47.5M	37.5M	38.2M	19.2M	27.3M
Cash & Short-Term Investments	71.7M	73.9M	377.4M	100.2M	165.5M	297.3M	35.9M	28.1M	68.7M	39.9M	42.1M	75.1M	47.5M	37.5M	38.2M	19.2M	27.3M
Net Receivables	5.5B	63.8M	3.7B	3.1B	2.1B	1.3B	1.1B	838.6M	732.6M	581.1M	460.2M	340.2M	303.5M	228.4M	0.0	0.0	0.0
Accounts Receivables	0.0	0.0	0.0	3.1B	2B	1.2B	1.1B	780.1M	704.7M	561.6M	434.6M	323.6M	303.5M	228.4M	0.0	0.0	0.0
Other Receivables	5.5B	63.8M	3.7B	66.3M	103.4M	40.3M	64.5M	58.5M	27.9M	19.5M	25.6M	16.6M	0.0	0.0	0.0	0.0	0.0
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	16.6M	8.7M	10.9M	7.6M	7.8M	10.7M
Other Current Assets	-5.5B	4.7B	72M	78.2M	60.4M	71.9M	45.1M	139.2M	29.5M	26.3M	7.4M	8.8M	30.9M	32M	0.0	0.0	0.0
Total Current Assets	71.7M	4.8B	4.1B	3.3B	2.3B	1.7B	1.2B	1B	830.8M	647.3M	509.6M	440.8M	390.5M	308.8M	45.8M	27M	37.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	181.2M	138.2M	123M	112.6M	101.5M	119.5M	74.1M	46.1M	48.5M	47.1M	48.1M	34M	39.4M	41.8M	36.7M	31.6M	26.4M
Goodwill	279.3M	279.3M	279.3M	279.3M	279.3M	268M	267M	267M	267M	267M	267M	255.9M	255.9M	255.9M	255.8M	255.8M	236.9M
Intangible Assets	3.7M	11M	19M	27.4M	35.4M	26M	2.2M	3.3M	4.3M	5.4M	6.5M	39K	45K	168K	228K	1M	2.1M
Goodwill & Intangible Assets	282.9M	290.2M	298.3M	306.7M	314.7M	294M	269.2M	270.3M	271.3M	272.4M	273.5M	255.9M	255.9M	256M	256M	256.8M	239.1M
Long-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	163.9M	90.4M	60.8M
Tax Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	24.4M	15.3M	11.2M
Other Non-Current Assets	0.0	24.2M	41.6M	54.7M	51.3M	43.5M	22.9M	12.2M	8.8M	11.1M	9.3M	29.5M	6.3M	6.3M	7.6M	702K	416K
Total Non-Current Assets	464.1M	452.6M	462.8M	474M	467.5M	457.1M	366.2M	328.5M	328.7M	330.6M	330.9M	319.4M	301.6M	304.1M	488.7M	394.8M	337.8M
Other Assets	5.9B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	6.5B	5.3B	4.6B	3.8B	2.8B	2.1B	1.6B	1.3B	1.2B	977.9M	840.5M	760.2M	692.2M	612.9M	534.4M	421.8M	375.7M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	59M	43.3M	30.8M	37.2M	29.3M	23.8M	26.3M	25.6M	28.1M	31.3M	32.3M	18.7M	16M	14.2M	5.1M	0.0
Accounts Payable	0.0	59M	43.3M	30.8M	37.2M	26.7M	23.8M	26.3M	25.6M	25.4M	25.7M	25.5M	18.7M	16M	14.2M	5.1M	0.0
Other Payables	0.0	0.0	0.0	0.0	0.0	2.6M	0.0	0.0	0.0	2.6M	5.7M	6.8M	38K	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	108.6M	0.0	79.9M	74.8M	56.1M	42.3M	42.5M	33.5M	25.1M	19.5M	27.7M	26.3M	27.2M	33.5M	21.4M	40.2M
Short Term Debt	0.0	233.3M	22.3M	0.0	0.0	29.7M	1.5M	2.2M	3M	3M	3M	1.6M	2M	427.9M	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	2.6M	0.0	0.0	0.0	282K	0.0	6.8M	38K	0.0	0.0	11M	6.1M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	2.2M	11.3M	5.6M	7.1M	6.9M	9.5M	3.6M	4.6M	4.5M	0.0	0.0	0.0
Other Current Liabilities	305.8M	82.5M	195.5M	87.7M	44.1M	39M	43.3M	12.7M	8M	8.9M	8.8M	-1.2M	-2M	0.0	0.0	0.0	0.0
Total Current Liabilities	305.8M	483.3M	261.2M	198.3M	156.1M	156.4M	122.2M	89.3M	77.1M	72M	72.1M	64.1M	49.6M	475.6M	47.8M	26.5M	40.2M
NON-CURRENT LIABILITIES
Long Term Debt	4.5B	3.3B	2.9B	2.3B	1.4B	916.7M	991.2M	857.9M	788.5M	649.9M	541.9M	494.2M	424.1M	427.9M	410.8M	270.3M	255.8M
Deferred Tax Liabilities (Non-Current)	295.4M	223.6M	113.4M	104.2M	86.9M	48.1M	48.7M	39.3M	12.1M	14.3M	20.5M	48M	45.3M	39.8M	33.8M	22.6M	15.8M
Other Non-Current Liabilities	-4.9B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	51K	-427.9M	477K	22.5M	8.5M
Total Non-Current Liabilities	0.0	3.6B	3.1B	2.4B	1.5B	1B	1.1B	897.3M	800.7M	664.2M	562.4M	542.1M	469.5M	39.8M	445.1M	315.3M	280.2M
Other Liabilities	4.8B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	32M	32.2M	22.9M	33.6M	41M	68M	35.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	5.1B	4.1B	3.3B	2.6B	1.7B	1.2B	1.2B	986.6M	877.8M	736.2M	634.6M	606.2M	519.1M	515.5M	492.9M	341.9M	320.4M
SHAREHOLDERS' EQUITY
Treasury Stock	-1B	-815.4M	-526.1M	-372.9M	-229.9M	-113.2M	-56.8M	-23M	-5.7M	-624K	-187K	0.0	0.0	0.0	0.0	0.0	0.0
Additional Paid-In Capital	370.1M	328.3M	284.3M	251.9M	225.7M	188M	63.8M	48.2M	29.8M	18.4M	9.9M	294K	0.0	0.0	677K	495K	418K
Retained Earnings	2B	1.7B	1.5B	1.3B	1.1B	849.5M	372.7M	336.4M	264.7M	235.5M	200.9M	156.9M	169.9M	96.7M	41.6M	79.6M	54.8M
Accumulated Other Comprehensive Income/Loss	-9.5M	-13.7M	-6.3M	-6M	-8.5M	-6.9M	-3.1M	-13.8M	-7.1M	-11.6M	-4.6M	-3.2M	3.1M	734K	-753K	-206K	173K
Total Stockholders' Equity	1.3B	1.2B	1.2B	1.2B	1.1B	917.3M	376.6M	347.8M	281.7M	241.7M	206M	154M	173M	97.4M	41.5M	79.9M	55.4M
Total Equity	1.3B	1.2B	1.2B	1.2B	1.1B	918.8M	376.6M	347.8M	281.7M	241.7M	206M	154M	173M	97.4M	41.5M	79.9M	55.4M
Minority Interest	0.0	0.0	0.0	0.0	0.0	1.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	6.5B	5.3B	4.6B	3.8B	2.8B	2.1B	1.6B	1.3B	1.2B	977.9M	840.5M	760.2M	692.2M	612.9M	534.4M	421.8M	375.7M
Total Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	163.9M	90.4M	60.8M
Total Debt	4.6B	3.6B	3B	2.3B	1.4B	1B	1B	860.1M	791.5M	652.9M	544.9M	495.8M	426.2M	855.8M	410.8M	270.3M	255.8M
Net Debt	4.5B	3.5B	2.6B	2.2B	1.3B	717.1M	992.5M	832M	722.9M	613M	502.8M	420.7M	378.7M	818.2M	372.7M	251.1M	228.5M
Shares Outstanding	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752	24,804,752

SEC Filings

ENVA - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 13, 2026	May 13, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	April 23, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 23, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 02, 2026	March 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 01, 2026	March 30, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 20, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 27, 2026	January 27, 2026	2026	View Filing
8-K/A 8-K/A 2025 (Amended) N/A	January 02, 2026	July 24, 2025	2025	View Filing
S-4/A S-4/A (Amended) N/A	December 29, 2025	December 29, 2025		View Filing
S-4 S-4 N/A	December 19, 2025	December 19, 2025		View Filing

Showing 1 to 10 of 261 filings

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