ENVANYSEPersonal Credit InstitutionsFiscal year ends December 31
Enova International, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 23, 2026
$176.20−1.69 (-0.95%)
Close on Oct 19, 2026
- Market cap
- $4.63B
- P/E (TTM)
- 13.1
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Gross margin
58.1%−5.1 pts over 5 years
Operating margin
23.5%−9.6 pts over 5 years
Net margin
9.8%−25.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +18.6% | +22.0% | +23.8% | +17.1% | |
| Gross profit | +19.7% | +17.9% | +21.7% | +15.4% | |
| Operating income | +26.5% | +24.4% | +15.6% | +19.5% | |
| Net income | +47.2% | +14.1% | -4.0% | +21.5% | |
| EPS, diluted | +55.0% | +23.0% | -0.3% | +24.1% | |
| Free cash flow | +18.5% | +27.7% | +20.0% | +21.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 15.5% | 58.4% | 24.3% | |
| Return on assets | 3.8% | 20.5% | 5.3% | |
| Interest coverage | – | 4.1× | 2.2× | |
| Capex to revenue | 1.9% | 2.7% | 1.5% | |
| Diluted shares | 33M | 32M | 27M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Enova International generated $5.89B from operations and spent $1.13B on capital expenditure, dividends and share buybacks. 19% of that went back into the business.
Generated
$5.89B
Used
$1.13B
Capital expenditure$209.11M19%Dividends$00%Share buybacks$916.80M81%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin9.8%
×Asset turnover0.54×
×Equity multiplier4.63×
=Return on equity, FY202524.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 9.8% | 0.54× | 4.63× | 24.3% |
| FY2024 | 7.9% | 0.54× | 4.04× | 17.2% |
| FY2023 | 8.3% | 0.51× | 3.45× | 14.4% |
| FY2022 | 11.9% | 0.53× | 2.87× | 18.2% |
| FY2021 | 21.2% | 0.50× | 2.42× | 25.5% |
| FY2020 | 34.9% | 0.59× | 2.85× | 58.4% |
| FY2019 | 3.1% | 0.81× | 4.02× | 10.1% |
| FY2018 | 7.2% | 0.78× | 3.96× | 22.3% |
| FY2017 | 4.0% | 0.68× | 4.08× | 11.2% |
| FY2016 | 4.6% | 0.82× | 4.06× | 15.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
7of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$308.39M
- Cash generatingOperating cash flow above zero$1.82B
- Return on assets improvedROA up on the prior year4.6% → 5.9%
- Earnings backed by cashOperating cash flow above net income$1.82B vs $308.39M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise28M → 27M
- Gross margin improvedGross margin up on the prior year57.55% → 58.07%
- More efficientAsset turnover rose0.58 → 0.60