1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
Enova International, Inc.

Enova International, Inc.

ENVA
Enova International, Inc.US flagNew York Stock Exchange
158.90
USD
-4.67
- -
3.95BMarket Cap

Income Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
480
661
765
810
653
746
729
973
1,175
1,084
1,208
1,736
2,118
2,658
3,152
+ Sales & Services Revenue
480
661
765
810
653
746
729
973
1,175
1,084
1,208
1,736
2,118
2,658
3,152
- Cost of Revenue
219
309
335
305
270
394
427
583
678
486
260
734
1,082
1,419
1,661
+ Cost of Goods & Services
219
309
335
305
270
394
427
583
678
486
260
734
1,082
1,419
1,661
Gross Profit
261
351
430
505
383
352
301
390
496
598
948
1,002
1,035
1,239
1,491
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
202
258
308
328
311
296
259
294
324
326
611
734
808
945
1,084
+ Selling, General & Admin
139
182
220
236
219
195
176
201
224
210
428
523
575
680
784
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
64
77
88
92
92
101
83
93
99
116
183
211
233
265
300
Operating Income (Loss)
59
93
123
177
72
56
42
96
173
271
337
268
227
294
407
- Non-Operating (Income) Loss
- -
- -
1
- -
1
-2
23
27
3
-164
-1
-4
- -
23
6
+ Interest Expense, Net
17
21
20
38
53
66
74
79
76
87
77
116
- -
- -
- -
+ Interest Expense
17
21
20
38
53
66
74
79
76
87
77
116
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-17
-21
-19
-38
-52
-67
-51
-52
-73
-251
-77
-120
- -
23
6
Pretax Income
58
93
122
176
71
57
20
69
170
435
337
273
227
271
401
- Income Tax Expense (Benefit)
21
34
44
65
27
23
2
5
42
57
80
65
52
62
93
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
37
59
78
112
44
35
18
64
128
378
257
207
175
209
308
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
-12
-7
91
- -
2
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
12
7
-91
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
-23
-13
183
1
2
- -
- -
- -
- -
Income (Loss) Incl. MI
37
59
78
112
44
35
29
70
37
378
256
207
175
209
308
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
- -
Net Income, GAAP
37
59
78
112
44
35
29
70
37
378
256
207
175
209
308
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
37
59
78
112
44
35
29
70
37
378
256
207
175
209
308
EBIT
59
93
123
177
72
56
42
96
173
271
337
268
227
294
407
EBITDA
70
106
140
195
90
71
55
110
188
291
372
305
266
335
449
EBITDA Margin (%)
14.6
16.11
18.29
24.11
13.77
9.58
7.61
11.35
15.97
26.84
30.79
17.57
12.54
12.59
14.23
EBITA
59
93
123
177
72
56
42
96
173
271
337
268
227
294
407
Gross Margin (%)
54.39
53.18
56.25
62.31
58.67
47.21
41.35
40.08
42.24
55.13
78.46
57.7
48.88
46.62
47.31
Operating Margin (%)
12.26
14.1
16.05
21.8
10.96
7.49
5.79
9.89
14.69
25.02
27.86
15.44
10.74
11.07
12.91
Profit Margin (%)
7.71
8.91
10.2
13.79
6.74
4.64
4.01
7.21
3.12
34.87
21.22
11.95
8.27
7.88
9.78
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
3.71
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
11
13
17
19
18
16
13
14
15
20
35
37
38
40
42
Basic Weighted Avg Shares
33
33
33
33
33
33
34
34
34
32
36
32
31
27
25
Basic EPS, GAAP
1.12
1.78
2.36
3.38
1.33
1.04
0.87
2.06
1.09
11.85
7.05
6.42
5.71
7.78
12.25
Basic EPS from Cont Ops
1.12
1.78
2.36
3.38
1.33
1.04
0.53
1.87
3.8
11.86
7.07
6.42
5.71
7.78
12.25
Diluted Weighted Avg Shares
33
33
33
33
33
33
34
35
34
32
38
33
32
28
27
Diluted EPS, GAAP
1.12
1.78
2.36
3.38
1.33
1.03
0.86
1.99
1.06
11.7
6.79
6.19
5.49
7.43
11.52
Diluted EPS from Cont Ops
1.12
1.78
2.36
3.38
1.33
1.03
0.52
1.81
3.72
11.71
6.81
6.19
5.49
7.43
11.52

Balance Sheet (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
309
391
441
510
647
831
1,006
1,208
1,651
2,294
3,307
4,123
4,814
6,001
+ Cash, Cash Equivalents & STI
38
38
47
75
42
40
69
28
36
297
165
100
54
74
72
+ Cash & Cash Equivalents
38
38
47
75
42
40
69
28
36
297
165
100
54
74
72
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
228
303
340
460
581
733
839
1,127
1,282
2,068
3,129
3,745
4,491
5,593
+ Accounts Receivable, Net
- -
228
303
324
435
562
705
780
1,063
1,242
1,965
- -
- -
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
228
303
324
435
562
705
780
1,063
1,242
1,965
3,019
3,629
4,386
5,472
+ Other Receivable, Net
- -
-228
-303
-307
-409
-542
-677
-722
-998
-1,201
-1,861
110
116
104
122
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
-38
43
40
25
7
26
29
139
45
72
60
78
323
249
336
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
304
302
319
331
331
329
329
366
457
468
474
463
453
467
+ Property, Plant & Equip, Net
37
42
39
34
48
47
49
46
74
120
102
113
123
138
149
+ Property, Plant & Equip
65
82
96
96
114
128
142
140
148
209
206
229
254
279
308
- Accumulated Depreciation
28
41
56
62
66
80
93
94
74
89
105
116
131
141
159
+ LT Investments & Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
-37
262
262
285
283
283
280
282
292
338
366
361
340
314
318
+ Total Intangible Assets
256
256
256
256
274
272
271
270
269
294
315
307
298
290
283
+ Goodwill
256
256
256
256
267
267
267
267
267
268
279
279
279
279
279
+ Other Intangible Assets
- -
- -
- -
- -
7
5
4
3
2
26
35
27
19
11
4
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
-293
6
6
30
9
11
9
12
23
44
51
55
42
24
35
Total Assets
534
613
692
760
841
978
1,159
1,334
1,574
2,108
2,761
3,781
4,586
5,266
6,468
+ Payables & Accruals
48
43
45
60
51
53
59
69
66
85
112
111
126
168
203
+ Accounts Payable
14
16
19
26
26
25
26
26
24
27
37
31
43
59
79
+ Accrued Taxes
- -
- -
- -
7
- -
- -
- -
- -
- -
3
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
34
27
26
28
25
27
33
42
42
56
75
80
83
109
124
+ ST Debt
- -
428
2
2
3
3
3
2
2
30
- -
- -
- -
233
90
+ ST Borrowings
- -
428
2
2
3
3
3
2
2
30
- -
- -
- -
233
90
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
-48
4
3
2
18
16
15
18
55
41
44
88
135
-151
103
+ Deferred Revenue
- -
4
5
4
9
7
7
6
11
2
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
-48
- -
-2
-1
9
9
8
13
43
39
44
88
135
-151
103
Total Current Liabilities
- -
476
50
64
72
72
77
89
122
156
156
198
261
250
396
+ LT Debt
411
428
424
494
542
650
789
858
1,027
985
1,425
2,292
2,971
3,596
4,440
+ LT Borrowings
411
428
424
494
542
650
789
858
991
917
1,384
2,259
2,944
3,563
4,408
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
36
68
41
34
27
32
32
+ Other LT Liabilities
-411
-388
45
48
21
14
12
39
49
48
87
104
113
224
295
+ Accrued Liabilities
34
40
45
48
21
14
12
39
49
48
87
104
113
224
295
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
-445
-428
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Liabilities
- -
40
469
542
562
664
801
897
1,076
1,033
1,512
2,396
3,084
3,819
4,736
Total Liabilities
493
515
519
606
635
736
878
987
1,198
1,189
1,668
2,595
3,345
4,069
5,132
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
1
- -
- -
- -
10
18
30
48
64
188
226
252
284
328
370
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
1
- -
- -
- -
10
18
30
48
64
188
226
252
284
328
370
- Treasury Stock
- -
- -
- -
- -
- -
1
6
23
57
113
230
373
526
815
1,030
+ Retained Earnings
42
97
170
157
201
235
265
336
373
849
1,106
1,313
1,488
1,698
2,006
+ Other Equity
-1
1
3
-3
-5
-12
-7
-14
-3
-7
-9
-6
-6
-14
-10
Equity Before Minority Interest
42
97
173
154
206
242
282
348
377
917
1,093
1,186
1,240
1,197
1,337
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
- -
Total Equity
42
97
173
154
206
242
282
348
377
919
1,093
1,186
1,240
1,197
1,337
Total Liabilities & Equity
534
613
692
760
841
978
1,159
1,334
1,574
2,108
2,761
3,781
4,586
5,266
6,468
Shares Outstanding
33
33
33
33
33
33
34
34
33
36
34
31
29
26
25
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
36
68
41
34
27
32
32
Net Debt
373
818
379
421
503
613
723
832
957
649
1,219
2,158
2,889
3,723
4,427
Net Debt to Equity
897.08
839.93
218.84
273.18
244.14
253.61
256.62
239.23
254.05
70.65
111.52
181.98
232.99
311.04
331.16
Tangible Common Equity Ratio
-77.03
-44.46
-19
-20.21
-11.92
-4.35
1.17
7.28
8.23
34.44
31.81
25.31
21.97
18.22
17.04
Current Ratio
- -
0.65
7.87
6.88
7.06
9
10.77
11.26
9.89
10.55
14.7
16.67
15.79
19.26
15.16
Cash Conversion Cycle
-16.12
45.24
107.94
114.91
177.42
220.16
295.27
262.36
272.79
369.05
439.59
189.64
-12.49
-13.16
-15.16

Cash Flow Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
37
59
78
112
44
35
29
70
37
378
257
207
175
209
308
+ Depreciation & Amortization
11
13
17
19
18
16
13
14
15
20
35
37
38
40
42
+ Non-Cash Items
222
307
341
289
229
344
382
563
718
269
238
658
924
1,303
1,436
+ Stock-Based Compensation
- -
- -
- -
1
10
9
11
12
12
18
21
22
27
32
33
+ Deferred Income Taxes
2
-2
5
12
-1
-2
-4
23
5
3
39
17
9
113
71
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
17
- -
+ Other Non-Cash Adj
219
309
335
276
221
338
374
528
701
247
178
619
888
1,142
1,333
+ Chg in Non-Cash Work Cap
-14
-4
3
11
-8
-1
-30
-44
35
75
-59
-9
30
-14
33
+ (Inc) Dec in Accts Receiv
-9
-7
-6
-4
-4
-15
-19
-28
-49
63
-28
-57
-35
- -
-23
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
-2
- -
2
-8
-4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
-3
3
6
14
-4
14
- -
11
14
-18
18
-3
18
35
35
+ Inc (Dec) in Other
- -
- -
- -
8
4
- -
-12
-27
70
30
-49
51
47
-49
21
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
53
81
44
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
256
376
438
430
284
393
447
685
849
741
472
894
1,167
1,539
1,819
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-15
-18
-15
-13
-32
-14
-15
-15
-20
-29
-30
-44
- -
- -
- -
+ Acq of Fixed Prod Assets
-15
-18
-15
-13
-32
-14
-15
-15
-20
-29
-30
-44
- -
- -
- -
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
- -
- -
-5
-17
-34
-56
-117
-143
-153
-289
-215
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
-5
-17
-34
-56
-117
-143
-153
-289
-215
+ Net Change in LT Investment
- -
-1
- -
-1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc in LT Investment
- -
-1
- -
-1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Acq & Div
- -
- -
- -
- -
-18
- -
- -
- -
- -
110
-27
9
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
110
2
9
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
-18
- -
- -
- -
- -
- -
-29
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-266
-347
-389
-299
-322
-450
-509
-706
-921
3
-923
-1,631
-1,495
-1,911
-2,446
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
-57
-73
-70
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-282
-366
-404
-313
-372
-464
-525
-721
-941
84
-980
-1,666
-1,495
-1,911
-2,446
+ Dividends Paid
- -
- -
- -
-122
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
- -
-4
-24
62
58
107
141
65
131
-479
473
871
744
721
934
+ Cash From Debt
- -
- -
- -
494
63
338
640
927
660
253
849
967
2,256
3,822
3,454
+ Repayments of Debt
- -
-4
-24
-432
-5
-231
-499
-862
-529
-732
-377
-95
-1,512
-3,101
-2,521
+ Other Financing Activities
43
-5
-5
-19
-2
-7
-31
-25
-1
-1
9
-3
-64
-113
-7
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
43
-9
-29
-79
57
100
105
22
95
-536
365
725
527
319
712
Effect of Foreign Exchange Rates
-1
2
4
-10
-1
-12
5
-7
1
- -
- -
- -
- -
-1
- -
Net Changes in Cash
18
1
6
38
-32
29
27
-14
3
288
-143
-47
199
-54
85
EBITDA
70
106
140
195
90
71
55
110
188
291
372
305
266
335
449
EBITDA Margin (%)
14.6
16.11
18.29
24.11
13.77
9.58
7.61
11.35
15.97
26.84
30.79
17.57
12.54
12.59
14.23
Free Cash Flow
241
358
423
417
252
379
432
670
829
711
442
850
1,167
1,539
1,819
Net Cash Paid for Acquisitions
- -
- -
- -
- -
18
- -
- -
- -
- -
-110
27
-9
- -
- -
- -
Free Cash Flow to Firm
252
371
436
441
285
418
498
743
885
787
501
939
1,167
1,539
1,819
Free Cash Flow to Equity
241
354
400
479
310
486
573
735
959
233
915
1,722
1,910
2,260
2,753
Free Cash Flow per Basic Share
7.3
10.84
12.83
12.63
7.63
11.42
12.89
19.72
24.58
22.3
12.16
26.34
38.04
57.15
72.28
Price/Free Cash Flow
- -
- -
- -
1.66
0.69
1.03
1.12
0.98
0.95
1.04
3.08
1.37
1.51
1.76
2.31
Cash Flow to Net Income
6.91
6.38
5.62
3.85
6.45
11.37
15.29
9.77
23.18
1.96
1.84
4.31
6.66
7.35
5.9
Capital Expenditures
-15
-18
-15
-13
-32
-14
-15
-15
-20
-29
-30
-44
- -
- -
- -