Enova International, Inc. (ENVA) Income Statement
ENVA 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsENVA revenue and net income
Where ENVA's revenue goes
2025Each bar shows an amount and its share of revenue. ENVA kept 9.8% of revenue as net income.
ENVA profit margins
ENVA growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +18.6% | +22.0% | +23.8% | +17.1% |
| Gross profit | +27.5% | +16.4% | +21.5% | +15.2% |
| Operating income | +26.5% | +24.4% | +15.6% | +19.5% |
| Net income | +47.2% | +14.1% | −4.0% | +21.5% |
| EPS (diluted) | +41.9% | +24.1% | +12.3% | +23.3% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ENVA quarterly EPS vs estimates
Enova International beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 22, 2026 (estimate $4.19).
ENVA income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $1.08B | $1.17B | $972.6M | $728.9M | $745.6M |
| Cost of revenue | $1.57B | $1.42B | $1.08B | $734.4M | $260.2M | $486.2M | $678.5M | $582.8M | $427.5M | $393.6M |
| Gross profit | $1.58B | $1.24B | $1.04B | $1.00B | $947.8M | $597.5M | $496.3M | $389.9M | $301.4M | $352.0M |
| Research & development | $67.5M | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sales, general & admin | $169.7M | $156.5M | $574.7M | $523.0M | $428.1M | $210.4M | $224.3M | $201.1M | $176.3M | $195.4M |
| Total operating expenses | $840.5M | $654.2M | $613.0M | $617.7M | $534.7M | $239.7M | $248.0M | $214.3M | $185.2M | $230.5M |
| Operating income | $739.4M | $584.8M | $422.1M | $384.0M | $413.1M | $357.8M | $248.2M | $175.5M | $116.2M | $121.5M |
| Interest income | — | — | — | — | — | — | $75.8M | $81.7M | $73.6M | $64.0M |
| Interest expense | $169.6M | $290.4M | $194.8M | $115.9M | $76.5M | $86.7M | $75.6M | $79.4M | $74.0M | $65.6M |
| Income before taxes | $401.0M | $271.1M | $227.2M | $272.6M | $337.2M | $435.4M | $170.1M | $68.9M | $19.7M | $57.4M |
| Income taxes | $92.6M | $61.7M | $52.1M | $65.2M | $80.1M | $57.2M | $42.1M | $5.3M | $2.1M | $22.8M |
| Net income | $308.4M | $209.4M | $175.1M | $207.4M | $256.3M | $377.8M | $36.6M | $70.1M | $29.2M | $34.6M |
| EBITDA | $529.8M | $334.5M | $265.5M | $305.0M | $371.9M | $290.8M | $187.7M | $110.4M | $56.6M | $71.4M |
| EPS (diluted) | $13.03 | $9.18 | $6.84 | $6.81 | $7.57 | $7.30 | $3.75 | $2.59 | $1.37 | $1.12 |
| Gross margin | 50.1% | 46.6% | 48.9% | 57.7% | 78.5% | 55.1% | 42.2% | 40.1% | 41.4% | 47.2% |
| Operating margin | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% | 33.0% | 21.1% | 18.0% | 15.9% | 16.3% |
| Net margin | 9.8% | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% | 3.1% | 7.2% | 4.0% | 4.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $493.7M | $875.1M | $839.4M | $802.7M | $764.0M | $745.5M | $729.6M | $689.9M | $628.4M | $609.9M | $583.6M | $551.4M |
| Cost of revenue | $8.9M | $8.9M | $337.5M | $428.9M | $405.4M | $399.9M | $393.5M | $366.5M | $329.2M | $329.6M | $315.8M | $280.4M |
| Gross profit | $484.8M | $866.2M | $501.9M | $373.8M | $358.7M | $345.6M | $336.0M | $323.5M | $299.2M | $280.3M | $267.8M | $270.9M |
| Research & development | — | — | $67.5M | — | — | — | — | — | — | — | — | — |
| Sales, general & admin | $247.6M | $237.2M | $238.7M | $39.7M | $40.5M | $42.5M | $38.0M | $38.9M | $39.7M | $150.4M | $171.4M | $154.2M |
| Total operating expenses | $247.6M | $656.5M | $315.2M | $177.0M | $174.6M | $173.7M | $180.9M | $169.7M | $154.2M | $149.5M | $170.3M | $167.2M |
| Operating income | $237.1M | $209.8M | $186.6M | $196.8M | $184.1M | $171.9M | $155.2M | $153.7M | $145.1M | $130.8M | $97.5M | $103.7M |
| Interest expense | $285.9M | $94.0M | $89.0M | $87.0M | $82.8M | $80.5M | — | $76.9M | $71.0M | $65.6M | $57.2M | $48.7M |
| Income before taxes | $140.1M | $112.9M | $98.8M | $110.2M | $101.1M | $91.0M | $77.4M | $55.5M | $73.6M | $64.7M | $41.6M | $55.2M |
| Income taxes | $35.0M | $21.8M | $19.8M | $29.9M | $24.9M | $18.1M | $13.7M | $12.1M | $19.7M | $16.2M | $6.9M | $13.9M |
| Net income | $105.1M | $91.1M | $79.0M | $80.3M | $76.1M | $72.9M | $63.7M | $43.4M | $53.9M | $48.4M | $34.8M | $41.3M |
| EBITDA | $248.4M | $215.8M | $194.6M | $122.2M | $111.7M | $101.4M | $88.4M | $86.9M | $83.8M | $75.5M | $49.4M | $65.0M |
| EPS (diluted) | $4.05 | $3.87 | $3.46 | $3.36 | $3.23 | $2.98 | $2.61 | $2.45 | $2.21 | $1.91 | $1.83 | $1.50 |
| Gross margin | 98.2% | 99.0% | 59.8% | 46.6% | 46.9% | 46.4% | 46.1% | 46.9% | 47.6% | 46.0% | 45.9% | 49.1% |
| Operating margin | 48.0% | 24.0% | 22.2% | 24.5% | 24.1% | 23.1% | 21.3% | 22.3% | 23.1% | 21.4% | 16.7% | 18.8% |
| Net margin | 21.3% | 10.4% | 9.4% | 10.0% | 10.0% | 9.8% | 8.7% | 6.3% | 8.6% | 7.9% | 6.0% | 7.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ENVA's financial statements (latest annual report filed February 20, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ENVA financial results
In fiscal year 2025 (ended December 31, 2025), Enova International reported revenue of $3.2 billion, up 18.6% from the year before. It had net income of $308.4 million (up 47.2%), a net profit margin of 9.8%. Diluted earnings per share came to $13.03. Over five years revenue grew at an average rate of 23.8% a year.
See the ENVA stock overview for the latest quote and news, or the ENVA chart for price history and technical indicators.
ENVA income statement FAQ
What is Enova International's annual revenue?
Enova International reported total revenue of $3.2 billion for fiscal year 2025, which ended on December 31, 2025. That was up 18.6% from $2.7 billion the previous year.
Is Enova International profitable?
Yes. Enova International reported net income of $308.4 million in fiscal 2025, a net profit margin of 9.8%; its operating margin was 23.5%.
What is Enova International's gross margin?
Enova International's gross margin was 50.1% in fiscal 2025: for every $100 of revenue, Enova International kept $50 after the direct cost of its products and services.
How much does Enova International spend on research and development?
Enova International spent $67.5 million on research and development in fiscal 2025, 2.1% of revenue.
How fast is Enova International growing?
Revenue grew 23.8% a year on average over the last five fiscal years, from $1.1 billion to $3.2 billion.
What are Enova International's earnings per share?
Enova International earned $13.03 per diluted share in fiscal 2025, compared with $9.18 a year earlier.
When will Enova International report its next earnings?
Enova International is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does Enova International's fiscal year end?
Enova International's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 20, 2026.