ENVA - NYSE
Enova International, Inc.
$158.90
-3.3%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. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Enova International, Inc. Income Statement
ENVA • NYSE
| Enova International, Inc. Income 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||||||||
3.2B | 2.7B | 2.1B | 1.7B | 1.2B | 1.1B | 1.2B | 972.6M | 728.9M | 745.6M | 652.6M | 809.8M | 765.3M | 660.9M | 480.3M | 378.5M | 255M | |
GROSS PROFIT | |||||||||||||||||
(1.6B) | (1.4B) | (1.1B) | (734.4M) | (260.2M) | (486.2M) | (678.5M) | (582.8M) | (427.5M) | (393.6M) | (269.7M) | (305.3M) | (334.8M) | (309.5M) | (219.1M) | (180.5M) | (121M) | |
1.6B | 1.2B | 1B | 1B | 947.8M | 597.5M | 496.3M | 389.9M | 301.4M | 352M | 382.9M | 504.6M | 430.5M | 351.5M | 261.2M | 198M | 134M | |
OPERATING INCOME | |||||||||||||||||
(840.5M) | (654.2M) | (613M) | (617.7M) | (534.7M) | (239.7M) | (248M) | (214.3M) | (185.2M) | (230.5M) | (258.5M) | (289.6M) | (287.9M) | (237.3M) | (184.9M) | (159M) | (106M) | |
(790.8M) | (680.1M) | (574.7M) | (523M) | (428.1M) | (210.4M) | (224.3M) | (201.1M) | (176.3M) | (195.4M) | (219M) | (235.7M) | (219.8M) | (181.5M) | (138.7M) | (150.4M) | (98.8M) | |
(67.5M) | (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) | |
739.4M | 584.8M | 422.1M | 384M | 413.1M | 357.8M | 248.2M | 175.5M | 116.2M | 121.5M | 124.4M | 215M | 142.6M | 114.2M | 76.3M | 39M | 27.9M | |
PRE-TAX INCOME | |||||||||||||||||
(169.6M) | (0.0) | (194.8M) | (115.9M) | (76.5M) | (86.7M) | (75.6M) | (79.4M) | (74M) | (65.6M) | (52.9M) | (38.5M) | (19.8M) | (21M) | (219.1M) | (180.5M) | (121M) | |
-169.6M | 0.0 | -194.8M | -115.9M | -76.5M | -86.7M | -75.6M | -79.4M | -74M | -65.6M | -52.9M | -38.5M | -19.8M | -21M | 261.2M | 198.2M | 134M | |
-17.8M | -25.8M | (38.3M) | (94.6M) | (106.6M) | (29.3M) | (23.7M) | (13.2M) | (8.9M) | (35.2M) | (39.5M) | (53.8M) | (68.1M) | (55.8M) | (46.2M) | (8.6M) | (7.3M) | |
-338.4M | -313.7M | -194.9M | -111.4M | -75.9M | 77.6M | -78.1M | -106.7M | -96.5M | -64M | -53.9M | -38.5M | -21M | -21.3M | -17.9M | 0.0 | 0.0 | |
401M | 271.1M | 227.2M | 272.6M | 337.2M | 435.4M | 170.1M | 68.9M | 19.7M | 57.4M | 70.5M | 176.5M | 121.6M | 92.8M | 58.4M | 39M | 27.9M | |
NET INCOME | |||||||||||||||||
(92.6M) | (61.7M) | (52.1M) | (65.2M) | (80.1M) | (57.2M) | (42.1M) | (5.3M) | (2.1M) | (22.8M) | (26.5M) | (64.8M) | (43.6M) | (34M) | (21.4M) | (14.2M) | (10.2M) | |
308.4M | 209.4M | 175.1M | 207.4M | 256.3M | 377.8M | 36.6M | 70.1M | 29.2M | 34.6M | 44M | 111.7M | 78M | 58.9M | 37M | 24.8M | 17.7M |
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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