ENVA - NYSE
Enova International, Inc.
$158.90
-1.5%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.
At a Glance
Live SnapshotEnova International, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Enova International, Inc. Cash Flow Statement
ENVA • NYSE
| Enova International, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | |||||||||||||||||
308.4M | 209.4M | 175.1M | 207.4M | 257.1M | 377.9M | 36.6M | 70.1M | 29.2M | 34.6M | 44M | 111.7M | 78M | 58.9M | 37M | 24.8M | 17.7M | |
41.8M | 40.2M | 38.2M | 36.9M | 35.4M | 19.7M | 21.1M | 15.2M | 14.4M | 15.6M | 18.4M | 18.7M | 17.1M | 13.3M | 11.3M | 8.6M | 7.3M | |
0.0 | 112.7M | 8.5M | 17M | 39.3M | 3.2M | 0.0 | 22M | -4.7M | -2.2M | -1.4M | 12.1M | 5.2M | -2.4M | 2.4M | 2.9M | 3.4M | |
0.0 | 31.8M | 26.7M | 22M | 21.2M | 18M | 12M | 11.7M | 11.3M | 8.5M | 9.6M | 664K | 250K | 146K | 176K | 76K | 96K | |
1.4B | 1.2B | 889.8M | 619.3M | 177.7M | 247M | 855.4M | 602.2M | 429M | 338M | 221.2M | 268.3M | 335.1M | 309.5M | 219.1M | 180.5M | 121.1M | |
(0.0) | (0.0) | (0.0) | (0.0) | (89.3M) | (27.5M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
34.2M | -14M | 28.6M | -8.6M | -58.8M | 74.9M | -49.4M | -36.3M | -32M | -1.1M | -7.9M | 10.6M | 2.5M | -3.8M | -12.1M | 1.7M | 1.3M | |
1.8B | 1.5B | 1.2B | 894M | 471.9M | 740.9M | 875.6M | 684.8M | 447.2M | 393.4M | 283.9M | 422.1M | 438.3M | 375.5M | 257.9M | 218.5M | 150.9M | |
INVESTING ACTIVITIES | |||||||||||||||||
-47.1M | -43.4M | -45.2M | -43.6M | -29.7M | -29.5M | -20.1M | -16.1M | -16.5M | -14.4M | -32.2M | -13.3M | -14.9M | -17.9M | -15.1M | -12.7M | -12.4M | |
(0.0) | (0.0) | (0.0) | (8.7M) | -27.2M | (109.9M) | (0.0) | (0.0) | (0.0) | (0.0) | -17.7M | (0.0) | (0.0) | (0.0) | (0.0) | -21.2M | -42.4M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -703K | (0.0) | -1M | (0.0) | (0.0) | (0.0) | |
-2.4B | -1.9B | -1.4B | -1.6B | -923.5M | 3.2M | -921.3M | -704.9M | -510.6M | -470.2M | -322.2M | -291.2M | -388.9M | -346.6M | -266.2M | -191.1M | -124.4M | |
-2.4B | -1.9B | -1.5B | -1.7B | -980.4M | (83.6M) | -941.4M | -720.9M | -527.1M | -484.6M | -372.2M | -305.2M | -403.7M | -365.5M | -281.3M | -224.9M | -179.2M | |
FINANCING ACTIVITIES | |||||||||||||||||
-205.9M | -289.3M | -153.2M | -143.1M | -116.7M | -56.4M | -33.8M | -17.3M | -5.1M | -437K | -187K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
917.7M | 624M | 696.5M | 871.2M | 472.6M | -478.5M | 130.6M | 64.9M | 141M | 107M | 58.4M | 62M | -23.5M | 0.0 | 42.7M | -1M | 39.3M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -122.4M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-214.6M | -289.3M | -153.2M | -143.1M | -116.7M | -56.4M | -33.8M | -17.3M | -5.1M | -437K | -187K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
0.0 | -15.9M | -16.8M | -3.2M | 9.2M | -1M | -1.3M | -25.1M | -31.3M | -6.7M | -1.6M | -18.7M | -5M | -9M | 425K | 0.0 | 0.0 | |
711.8M | 318.9M | 526.5M | 724.9M | 365.1M | -536M | 95.5M | 22.5M | 104.6M | 99.9M | 56.6M | -79M | -28.6M | -9M | 43.1M | -1M | 39.3M | |
CASH FLOW SUMMARY | |||||||||||||||||
39K | -1M | 287K | -77K | 34K | -244K | 979K | -7.3M | 4.1M | -10.8M | -1.4M | -10.2M | 3.9M | 2.2M | -805K | -582K | -212K | |
85.2M | -54.8M | 199M | -47.5M | -143.3M | 288.2M | 30.7M | -20.9M | 28.8M | -2.1M | -33M | 27.6M | 9.9M | 3.1M | 19M | -8.1M | 10.8M | |
322.7M | 377.4M | 178.4M | 225.9M | 369.2M | 81M | 50.3M | 98.1M | 39.9M | 42.1M | 75.1M | 47.5M | 37.5M | 34.4M | 19.2M | 27.3M | 16.5M | |
407.9M | 322.7M | 377.4M | 178.4M | 225.9M | 369.2M | 81M | 77.3M | 68.7M | 39.9M | 42.1M | 75.1M | 47.5M | 37.5M | 38.2M | 19.2M | 27.3M | |
1.8B | 1.5B | 1.1B | 850.4M | 442.2M | 711.4M | 855.6M | 668.8M | 430.6M | 379M | 251.7M | 408.8M | 423.4M | 357.6M | 242.9M | 205.8M | 138.5M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | April 23, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 02, 2026 | March 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 01, 2026 | March 30, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 20, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
8-K/A 8-K/A 2025 (Amended) N/A | January 02, 2026 | July 24, 2025 | 2025 | |
S-4/A S-4/A (Amended) N/A | December 29, 2025 | December 29, 2025 | ||
S-4 S-4 N/A | December 19, 2025 | December 19, 2025 |
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