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Enova International, Inc.

ENVA

Companies in Personal Credit Institutions

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Financial Statements

Values in Millions ($)
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Cash And Cash Equivalents At Carrying Value
1229672545656746860765463
Restricted Cash
343325336303324256249187211152323133
Loans Receivable Fair Value Disclosure
6,1735,8735,4725,0134,7734,5704,3864,1343,9393,7953,6293,321
Income Tax Receivable
324141553648416669854466
Property Plant And Equipment Net
140136133129128125120118115112109104
Operating Lease Right Of Use Asset
151617171818181313141416
Goodwill
279279279279279279279279279279279279
Intangible Assets Net Excluding Goodwill
224579111315171921
Other Assets
343435302725242944394241
Assets
7,2226,8776,4685,9625,7255,4575,2664,9764,8174,6374,5864,103
Accounts Payable And Accrued Liabilities Current A…
335282306253258237250260334291261275
Operating Lease Liability
323232323332322627272727
Deferred Income Tax Liabilities Net
34532929528724223422421711512811397
Long Term Debt
5,0144,8334,4984,1063,9643,7573,5633,2943,1943,0412,9442,443
Liabilities
5,7255,4755,1324,6794,4964,2614,0693,7973,6703,4863,3452,842
Stockholders Equity
Common Stock Value
000000000000
Preferred Stock Value
00-000-000-0
Additional Paid In Capital Common Stock
391381370359347338328318308298284274
Retained Earnings Accumulated Deficit
2,2022,0972,0061,9271,8471,7711,6981,6341,5911,5371,4881,454
Accumulated Other Comprehensive Income Loss Net Of…
-6-6-10-8-9-11-14-9-11-7-6-7
Treasury Stock Value
-1,089-1,070-1,030-995-956-901-815-764-741-677-526-459
Stockholders Equity
1,4971,4021,3371,2841,2291,1971,1971,1791,1481,1501,2401,261
Liabilities And Stockholders Equity
7,2226,8776,4685,9625,7255,4575,2664,9764,8174,6374,5864,103
Common Stock Par Or Stated Value Per Share
000000000000
Common Stock Shares Authorized
250250250250250250250250250250250250
Common Stock Shares Issued
484847474747474646464545
Shares Outstanding
252525252526262626272930
Preferred Stock Par Or Stated Value Per Share
000000000000
Preferred Stock Shares Authorized
252525252525252525252525
Preferred Stock Shares Issued
000000000000
Preferred Stock Shares Outstanding
000000000000
Treasury Stock Common Shares
232323222222212020191615

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-3.19%11.75%40.53%---------
2025-8.90%-0.99%14.14%1.10%8.81%-1.71%0.79%30.49%29.59%-7.72%-0.26%20.35%
2024-2.17%-7.90%3.64%6.53%2.20%10.78%14.00%14.48%7.79%-15.62%-18.81%-13.77%
2023----8.44%-8.82%-9.21%11.32%49.58%51.77%-2.70%-3.32%2.91%

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Performance and Valuation Metrics

Metrics
2026-06-30
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
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Leverage & Debt
Interest Coverage TTM
2.25
2.20
2.18
2.16
2.10
2.05
2.01
1.95
1.97
2.04
2.17
2.45
Per Share Metrics
Diluted EPS TTM
13.53
12.39
11.52
11.07
9.62
8.63
7.43
6.51
6.38
5.85
5.49
5.99
Free Cash Flow Per Share TTM
78.40
74.54
70.27
68.71
64.51
59.83
55.54
52.13
46.33
42.11
36.57
35.23
Dividend Per Share TTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Margin Metrics
Gross Profit Margin TTM
59.77%
58.91%
58.07%
57.25%
57.39%
57.63%
57.55%
57.39%
57.33%
57.48%
58.08%
59.15%
Operating Profit Margin TTM
24.02%
23.61%
23.46%
23.27%
22.70%
22.40%
22.00%
20.98%
20.10%
19.77%
19.93%
21.28%
Net Profit Margin TTM
10.31%
9.95%
9.78%
9.64%
8.75%
8.38%
7.88%
7.19%
7.52%
7.69%
8.27%
9.47%
Growth Metrics
Net Revenue Growth (1Y)
17.65%
17.46%
18.58%
21.10%
23.42%
24.47%
25.51%
24.34%
23.28%
22.40%
21.98%
25.20%
Net Income Growth (1Y)
38.74%
39.57%
47.24%
62.37%
43.62%
35.53%
19.60%
-5.60%
-11.53%
-16.16%
-15.57%
-6.50%
EPS Growth (1Y)
41.05%
44.07%
57.48%
71.90%
52.93%
48.83%
36.28%
9.34%
2.08%
-6.81%
-11.12%
-2.49%
Valuation Metrics
P/E TTM
16.85
10.35
12.83
9.80
11.01
10.60
12.32
12.26
9.40
10.26
9.70
8.14
P/B TTM
4.00
2.41
2.96
2.24
2.30
2.07
2.16
1.88
1.46
1.54
1.37
1.23
P/S TTM
1.74
1.03
1.26
0.94
0.96
0.89
0.97
0.88
0.71
0.79
0.80
0.77
Market Cap
5.99B
3.38B
3.96B
2.87B
2.82B
2.48B
2.58B
2.21B
1.68B
1.77B
1.70B
1.56B
Enterprise Value
10.88B
8.12B
8.38B
6.92B
6.73B
6.18B
6.07B
5.44B
4.81B
4.74B
4.59B
3.94B
Calculated Values
Free Cash Flow TTM
1.95B
1.85B
1.77B
1.71B
1.63B
1.54B
1.50B
1.38B
1.25B
1.19B
1.12B
1.08B
Net Debt
4.89B
4.74B
4.43B
4.05B
3.91B
3.70B
3.49B
3.23B
3.13B
2.96B
2.89B
2.38B
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-18Sale
Owner: Tebbe, Mark
Title: -
Shares: 20,000
Price/Share: $201.37
Value: $4,027,400.00
Shares Owned: 50,029
Relationship: Director
Ownership: Direct
2026-06-17Sale
Owner: Fisher, David
Title: Executive Chairman
Shares: 33,060
Price/Share: $199.05
Value: $6,580,593.00
Shares Owned: 306,444
Relationship: Director,Officer
Ownership: Direct
2026-06-16Sale
Owner: Goodyear, William M
Title: -
Shares: 3,500
Price/Share: $188.02
Value: $658,070.00
Shares Owned: 50,820
Relationship: Director
Ownership: Direct
2026-06-01Sale
Owner: Goodyear, William M
Title: -
Shares: 5,983
Price/Share: $163.13
Value: $976,006.79
Shares Owned: 62,757
Relationship: Director
Ownership: Direct
2026-05-29Sale
Owner: Rice, Linda Johnson
Title: -
Shares: 1,300
Price/Share: $161.20
Value: $209,560.00
Shares Owned: 6,277
Relationship: Director
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
87.58%
Inst. Shares: 21,785,062
Shares Outstanding: 24,874,000
2025-12-31
87.32%
Inst. Shares: 21,977,347
Shares Outstanding: 25,169,000
2025-09-30
86.58%
Inst. Shares: 21,606,087
Shares Outstanding: 24,955,000
2025-06-30
90.96%
Inst. Shares: 23,009,192
Shares Outstanding: 25,297,000
2025-03-31
88.01%
Inst. Shares: 22,596,681
Shares Outstanding: 25,676,000

Enova International, Inc. (ENVA) — SEC Financial Statements & Analysis

Enova International, Inc. (ENVA) is a personal credit institutions company, incorporated in DE. Enova International, Inc. trades on ENVA: NYSE as: ENVA. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Enova International, Inc. reported a 17.65% year-over-year revenue growth, a Gross Profit Margin of 59.77% (TTM), a Price-to-Sales (P/S) ratio of 1.74x (TTM), a Price-to-Book (P/B) ratio of 4 (TTM), at a market cap of $5.99B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
17.65%
Gross Profit Margin TTM
59.77%
P/S TTM
1.74x
P/B TTM
4
Market Cap
$5.99B

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Enova International, Inc. in?

Enova International, Inc. (ENVA) operates in the Personal Credit Institutions industry.

What is ENVA's market cap?

Enova International, Inc. (ENVA) has a market capitalization of $5.99B as of 2026-06-30.

What is ENVA's P/E ratio?

Enova International, Inc. (ENVA)'s trailing twelve month P/E ratio is 16.85x as of 2026-06-30.

What exchange does ENVA trade on?

Enova International, Inc. (ENVA) trades on the ENVA: NYSE.

Where is Enova International, Inc. incorporated?

Enova International, Inc. is incorporated in DE.

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Enova International, Inc. (ENVA) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.