ENVANYSEPersonal Credit InstitutionsFiscal year ends December 31

Enova International, Inc.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026

$176.20−1.69 (-0.95%)

Close on Oct 19, 2026

Market cap: $4.63B
P/E (TTM): 13.1
Dividend yield: –

Enova International, Inc. income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31
Revenue	3,152	2,658	2,118	1,736	1,208	1,084	1,175	973	729	746	653	810	765	661
Cost of Revenue	–	–	–	–	–	–	603	503	353	328	217	267	315	288
Gross Profit	1,830	1,529	1,230	1,118	1,024	684	572	469	375	418	436	543	450	372
General & Administrative	170	157	160	140	157	141	109	105	100	98	102	108	84	73
Advertising Expenses	237	231	184	134	113	37	84	66	49	66	81	75	74	51
Operating Expenses	1,091	945	808	734	611	326	324	294	259	296	311	328	308	–
Total Costs & Expenses	–	–	–	–	–	–	–	–	–	–	–	328	308	258
Operating Income	739	585	422	384	413	358	248	176	116	121	124	215	143	114
Interest Expense	339	290	195	116	77	87	76	79	–	–	–	38	20	21
Income from Equity Investments	1.56	-16	0.12	6.44	2.95	0.63	–	–	–	–	44	–	–	–
Other Non-Operating Income	-1.02	-5.69	-0.28	-1.32	-1.97	-0.83	-2.32	–	–	–	–	–	–	–
Asset Impairment Charges	–	–	–	–	–	–	–	–	–	0	0	0	–	–
Gain (Loss) on Sale of Assets	–	–	–	-4.39	0.84	–	–	–	–	–	–	–	–	–
Pretax Income	401	271	227	273	337	435	170	69	20	57	71	176	122	93
Income Tax Expense	93	62	52	65	80	57	42	5.30	2.06	23	27	65	44	34
Income from Continuing Operations	–	–	175	207	257	378	128	64	18	–	–	–	–	–
Income from Discontinued Operations	–	–	–	–	–	-0.30	-91	6.53	12	–	–	–	–	–
Net Income incl. Noncontrolling Interests	308	209	175	207	257	378	37	70	29	–	44	112	78	59
Minority Interest in Earnings	–	209	–	–	0.77	0.09	–	–	–	–	–	–	–	–
Net Income	308	209	175	207	256	378	37	70	29	35	44	112	78	–
EPS (Basic)(per share)	12.25	7.78	5.71	6.42	7.05	11.85	1.09	2.06	0.87	1.04	1.33	3.38	2.36	1.78
EPS (Diluted)(per share)	11.52	7.43	5.49	6.19	6.79	11.70	1.06	1.99	0.86	1.03	1.33	3.38	2.36	1.78
Shares Outstanding (Basic, Weighted)(shares)	25	27	31	32	36	32	34	34	34	33	33	33	33	33
Shares Outstanding (Diluted, Weighted)(shares)	27	28	32	33	38	32	34	35	34	33	33	33	33	33
Dividend per Share(per share)	–	–	–	–	–	–	–	–	–	–	3.71	3.71	–	–
EBITDA	781	625	460	421	448	378	263	190	129	137	143	234	160	127
Net Interest Income	–	–	–	–	–	–	-76	-79	-74	-66	-53	-38	-20	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: 59.8%
Operating margin: 24.0%
Net margin: 10.3%
Return on equity, FY2025: 24.3%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 13.1
Price to sales: 1.34
Price to book: 3.09
Dividend yield: –