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. cash flow statement

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
Depreciation & Amortization	42	40	38	37	35	20	15	14	13	16	18	19	17	13
Stock-Based Compensation	33	32	27	22	21	18	12	12	11	8.52	9.63	0.66	0.25	0.15
Deferred Income Taxes	71	113	8.55	17	39	3.24	4.74	23	-3.92	-2.20	-1.40	12	5.24	-2.43
Other Non-Cash Items	–	–	–	–	–	–	–	-0.06	0.06	0.15	-0.98	0.20	-0.26	-0.01
Change in Accounts Payable	35	35	18	-2.84	18	-18	14	11	0.18	8.46	8.67	7.71	6.38	3.26
Operating Cash Flow	1,819	1,539	1,167	894	472	741	849	685	447	393	284	430	438	376
Capital Expenditures	-47	-43	-45	-44	-30	-29	-20	-15	-15	-14	-32	-13	-15	-18
Acquisitions	–	–	–	–	-29	110	–	–	–	–	-18	–	–	–
Purchase of Investments	–	–	–	–	–	–	–	–	–	–	–	-0.70	–	-1.00
Other Investing Activities	–	–	–	–	0.03	0.17	0.03	0.25	1.81	0.10	0.62	0.00	–	-0.18
Investing Cash Flow	-2,446	-1,911	-1,495	-1,666	-980	84	-941	-721	-525	-464	-372	-313	-404	-366
Dividends Paid	–	–	–	–	–	–	–	–	–	–	–	-122	–	–
Share Repurchases	-215	-289	-153	-143	-117	-56	-34	-17	-5.08	-0.44	-0.19	–	–	–
Debt Issued	–	–	–	–	–	–	–	–	–	–	–	494	–	–
Financing Cash Flow	712	319	527	725	365	-536	95	22	105	100	57	-79	-29	-9.01
Foreign Exchange Rate Adjustments	0.04	-1.03	0.29	-0.08	0.03	-0.24	0.98	-7.27	4.72	-12	–	-10	3.94	2.15
Net Change in Cash	85	-55	199	-47	-143	288	3.71	-21	32	17	-33	28	9.93	3.14
Free Cash Flow	1,772	1,495	1,122	850	442	711	829	670	432	379	252	417	423	358
Income Taxes Paid	1.44	-1.52	-3.11	-2.35	89	27	-39	9.58	17	19	41	46	35	34
Interest Paid	321	274	182	108	71	75	70	68	64	60	49	25	–	–

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: –