Company research
Enova International, Inc.
CIK 1529864Updated Sep 29, 2026
SecurityENVA · NYSE · equity
Name history
Enova International, Inc. · through Sep 25, 2026
ENVA price & chart
Loading TradingView…
NYSE:ENVA on TradingView ↗About the company
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $72 billion in loans and financing to more than 15 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.
In the news
ENOVA INTERNATIONAL, INC. INVESTIGATION: ENVA Securities Investors Encouraged to Contact Kirby McInerney LLP About Their Rights ↗
Enova Withdraws Bank Regulatory Applications ↗
New Report: Small Businesses Lean Into Growth and AI ↗
Recent filings
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
Items 1.01, 2.03, 9.01
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
Items 1.01, 2.03
Regulation FD Disclosure
Items 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
Regulation FD Disclosure
Items 7.01, 9.01
Show 5 more recent filings
4 filing
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
Items 1.01, 2.03
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Other Events
Items 1.01, 2.03, 8.01
4 filing
4 filing
Financials
FY 2025 · USDSource
Source
Source
Source
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 6,468,432,000Source | 5,266,131,000Source | 4,585,536,000Source | 3,780,889,000Source |
| Property, Plant and Equipment, NetUSD | 132,566,000Source | 119,956,000Source | 108,705,000Source | 93,228,000Source |
| GoodwillUSD | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 3,660,000Source | 10,951,000Source | 19,005,000Source | 27,390,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 71,709,000Source | 73,910,000Source | 54,357,000Source | 100,165,000Source |
| Operating Lease, Right-of-Use AssetUSD | 16,549,000Source | 18,201,000Source | 14,251,000Source | 19,347,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 5,131,708,000Source | 4,069,207,000Source | 3,345,353,000Source | 2,594,744,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Retained Earnings (Accumulated Deficit)USD | 2,006,143,000Source | 1,697,754,000Source | 1,488,306,000Source | 1,313,185,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -9,500,000Source | -13,691,000Source | -6,264,000Source | -5,990,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,336,724,000Source | 1,196,924,000Source | 1,240,183,000Source | 1,186,145,000Source |
| Additional Paid in Capital, Common StockUSD | 370,078,000Source | 328,268,000Source | 284,256,000Source | 251,878,000Source |
| Liabilities and EquityUSD | 6,468,432,000Source | 5,266,131,000Source | 4,585,536,000Source | 3,780,889,000Source |
| Deferred Income Tax Liabilities, NetUSD | 295,437,000Source | 223,590,000Source | 113,350,000Source | 104,169,000Source |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetUSD | 295,437,000Source | 223,590,000Source | 113,350,000Source | 104,169,000Source |
| Long-term DebtUSD | 4,498,381,000Source | 3,563,482,000Source | 2,943,805,000Source | 2,258,660,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 308,389,000Source | 209,448,000Source | 175,121,000Source | 207,424,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Depreciation and amortization | — | — | — | — |
| Share-based Payment Arrangement, Noncash ExpenseUSD | 33,096,000Source | 31,816,000Source | 26,738,000Source | 21,950,000Source |
| Deferred Income Tax Expense (Benefit)USD | 70,560,000Source | 112,722,000Source | 8,545,000Source | 17,034,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 1,819,121,000Source | 1,538,576,000Source | 1,166,869,000Source | 893,998,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -2,445,783,000Source | -1,911,195,000Source | -1,494,658,000Source | -1,666,270,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 214,590,000Source | 289,292,000Source | 153,187,000Source | 143,070,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 711,818,000Source | 318,882,000Source | 526,541,000Source | 724,866,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 85,195,000Source | -54,771,000Source | 199,039,000Source | -47,483,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 321,080,000Source | 274,117,000Source | 182,407,000Source | 108,006,000Source |
| Income Taxes Paid, NetUSD | 1,439,000Source | -1,517,000Source | -3,105,000Source | -2,354,000Source |
| Additional Financial Items | ||||
| Amortization of Debt Issuance Costs and DiscountsUSD | 16,588,000Source | 15,787,000Source | 10,123,000Source | 5,698,000Source |
| Amortization of Intangible AssetsUSD | 7,300,000Source | 8,100,000Source | 8,400,000Source | 8,100,000Source |
| DepreciationUSD | 34,500,000Source | 32,200,000Source | 29,800,000Source | 28,800,000Source |
| Disposal Group, Not Discontinued Operation, Gain (Loss) on DisposalUSD | — | — | — | -4,388,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | 367,000Source | -1,064,000Source | 57,000Source | -645,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | -1,019,000Source | -5,690,000Source | -282,000Source | — |
| General and Administrative ExpenseUSD | 169,722,000Source | 156,524,000Source | 160,265,000Source | 140,464,000Source |
| GoodwillUSD | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to ParentUSD | — | — | — | 207,424,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling InterestUSD | — | — | 175,121,000Source | 207,424,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | 1,559,000Source | -16,460,000Source | 116,000Source | 6,435,000Source |
| Income Tax Expense (Benefit)USD | 92,645,000Source | 61,653,000Source | 52,126,000Source | 65,150,000Source |
| Net Income (Loss) Attributable to ParentUSD | 308,389,000Source | 209,448,000Source | 175,121,000Source | 207,424,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | 209,448,000Source | — | — |
| Operating ExpensesUSD | 1,090,809,000Source | 944,691,000Source | 807,787,000Source | 733,572,000Source |
| Operating Lease, Impairment LossUSD | — | — | — | -72,000Source |
| Other Nonoperating Income (Expense)USD | -1,019,000Source | -5,691,000Source | -282,000Source | -1,321,000Source |
| Payments of Financing CostsUSD | 15,301,000Source | 28,066,000Source | 22,422,000Source | 7,473,000Source |
| Proceeds from Stock Options ExercisedUSD | 8,714,000Source | 12,196,000Source | 5,640,000Source | 4,239,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 3,151,653,000Source | 2,657,800,000Source | 2,117,639,000Source | 1,736,085,000Source |
| Operating Income (Loss)USD | 739,432,000Source | 584,758,000Source | 422,135,000Source | 383,992,000Source |
| Other Nonoperating Income (Expense)USD | -1,019,000Source | -5,691,000Source | -282,000Source | -1,321,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 401,034,000Source | 271,101,000Source | 227,247,000Source | 272,574,000Source |
| Income Tax Expense (Benefit)USD | 92,645,000Source | 61,653,000Source | 52,126,000Source | 65,150,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | 209,448,000Source | — | — |
| Net Income (Loss) Attributable to ParentUSD | 308,389,000Source | 209,448,000Source | 175,121,000Source | 207,424,000Source |
| Earnings Per Share, BasicUSD per share | 12.25Source | 7.78Source | 5.71Source | 6.42Source |
| Earnings Per Share, DilutedUSD per share | 11.52Source | 7.43Source | 5.49Source | 6.19Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 25,169,000Source | 26,920,000Source | 30,673,000Source | 32,290,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 26,775,000Source | 28,202,000Source | 31,921,000Source | 33,483,000Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 7,300,000Source | 8,100,000Source | 8,400,000Source | 8,100,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | — | 17,700,000Source |
| Current Income Tax Expense (Benefit)USD | 22,144,000Source | -51,070,000Source | 43,570,000Source | 48,160,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | 41,831,000Source | 40,207,000Source | 38,157,000Source | 36,867,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | 367,000Source | -1,064,000Source | 57,000Source | -645,000Source |
| General and Administrative ExpenseUSD | 169,722,000Source | 156,524,000Source | 160,265,000Source | 140,464,000Source |
| Gross ProfitUSD | 1,830,241,000Source | 1,529,449,000Source | 1,229,922,000Source | 1,117,564,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to ParentUSD | — | — | — | 207,424,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | 400,754,000Source | 270,682,000Source | 226,638,000Source | 272,863,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling InterestUSD | — | — | 175,121,000Source | 207,424,000Source |
| Income (Loss) from Continuing Operations, Per Basic ShareUSD per share | — | — | — | 6.42Source |
| Income (Loss) from Continuing Operations, Per Diluted ShareUSD per share | — | — | — | 6.19Source |
| Income (Loss) from Equity Method InvestmentsUSD | 1,559,000Source | -16,460,000Source | 116,000Source | 6,435,000Source |
| Interest ExpenseUSD | 339,305,000Source | 290,442,000Source | 194,779,000Source | 115,887,000Source |
| Operating ExpensesUSD | 1,090,809,000Source | 944,691,000Source | 807,787,000Source | 733,572,000Source |
Offerings
Registration 333-292287
Filing attachments
enva-ex99_1.htm · 8-K · 2026-09-15
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further described in Item 7.01 of the Current Report on Form 8-K to…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-09-14
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Enova Withdraws Bank Regulatory Applications Company Reaffirms 2026 Guidance and Intends to Accelerate Share Repurchases CHICAGO, September 14, 2026/PR Newswire/ - Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced that it has withdrawn its applications with the Office of the Comptroller of the Currency and the Board of Governors of the Federal…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-09-09
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further described in Item 7.01 of the Current Report on Form 8-K to…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-07-23
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Enova Reports Second Quarter 2026 Results • Originations rose 27% and total company revenue increased 22% from the second quarter of 2025. • Diluted earnings per share of $4.00 increased 40% and adjusted earnings per share1 of $4.31 rose 33% compared to the second quarter of 2025. • Credit performance remained strong, with the consolidated net charge-off ratio decreasing to 7.3% and the net revenue margin improving to 61%. • Sequen…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-07-10
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Enova Announces Board of Directors Appointment and Planned Departures CHICAGO, July 10, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA) announced changes today to the Board of Directors. Maria Veltre will join Enova's Board of Directors, effective immediately. Veltre is an Operating Partner at Lightyear Capital and served as a Board Director for Allworth Financial, a Lightyear Fund V portfolio company. She previously served as…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-04-23
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Enova Reports First Quarter 2026 Results • Originations rose 33% and total company revenue increased 17% from the first quarter of 2025 • Diluted earnings per share of $3.46 increased 29% and adjusted earnings per share1 of $3.87 rose 30% compared to the first quarter of 2025 • Credit performance remained strong with a lower net charge-off ratio compared to a year ago of 7.6% and a net revenue margin of 60% • Year-over-year stabili…
Read attachment ↗