Enova International, Inc. Income Statement
ENVA / Financials|14 years of annual SEC 10-K data (FY2012-FY2025)
Line items include revenue, cost of goods sold, gross profit, operating expenses, interest, taxes, and net income with per-share data across 14 fiscal years. All figures from audited SEC 10-K filings.
At a glance
Revenue
$3.2B
FY2025
Gross Profit
$1.8B
58.1% gross margin
Operating Income
$739M
FY2025
Net Income
$308M
FY2025
Enova International, Inc. reported $3.2B in revenue and $308M in net income for FY2025. Revenue has grown at a 12.8% compound annual rate over the past 13 years.
Based on SEC 10-K filings.
Key Data Points
- Altman Z-Score NaN (distress zone, below 1.23 threshold)
- Cash-backed earnings: Operating cash flow exceeds net income
- High leverage: Debt-to-equity ratio of 3.37
Data sourced from SEC EDGAR filings. Not investment advice.
| Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.2B | $2.7B | $2.1B | $1.7B | $1.2B | $972.6M | $1.2B | $972.6M | $728.9M | $745.6M | $652.6M | $809.8M | $765.3M | $660.9M |
| Cost of Revenue | - | - | - | - | $602.9M | $503.4M | $602.9M | $503.4M | $353.5M | $328.0M | $216.9M | $266.8M | $315.1M | $288.5M |
| Gross Profit | $1.8B | $1.5B | $1.2B | $1.1B | $571.9M | $469.2M | $571.9M | $469.2M | $375.4M | $417.6M | $435.7M | $543.0M | $450.3M | $372.5M |
| SG&A Expense | $169.7M | $156.5M | $160.3M | $140.5M | $109.2M | $105.1M | $109.2M | $100.0K | $99.8M | $98.0M | $102.1M | $107.9M | $84.4M | $72.7M |
| Operating Income | $739.4M | $584.8M | $422.1M | $384.0M | $248.2M | $175.5M | $248.2M | $175.5M | $116.2M | $121.5M | $124.4M | $215.0M | $142.6M | $114.2M |
| Interest Expense | $339.3M | $290.4M | $194.8M | $115.9M | $75.6M | $79.4M | $75.6M | $79.4M | -$74.0M | -$65.6M | - | $38.5M | -$19.8M | $21.0M |
| Income Tax | $92.6M | $61.7M | $52.1M | $65.2M | $42.1M | $5.3M | $42.1M | $5.3M | $2.1M | $22.8M | $26.5M | $64.8M | $43.6M | $34.0M |
| Net Income | $308.4M | $209.4M | $175.1M | $207.4M | $36.6M | $70.1M | $36.6M | $70.1M | $29.2M | $34.6M | $44.0M | $111.7M | $78.0M | $58.9M |
| EPS (Basic) | $12.25 | $7.78 | $5.71 | $6.42 | $1.09 | $2.06 | $1.09 | $1.04 | $0.87 | $1.04 | $2.36 | $1.78 | $2.36 | $1.78 |
| EPS (Diluted) | $11.52 | $7.43 | $5.49 | $6.19 | $1.06 | $1.99 | $1.06 | $1.03 | $0.86 | $1.03 | $2.36 | $1.78 | $2.36 | $1.78 |
| Shares Outstanding | 24.7M | 25.8M | 29.1M | 31.2M | 35.8M | 33.0M | 33.0M | 33.5M | 33.5M | 33.3M | 33.0M | 33.0M | 33.0M | 33.0M |
| Gross Margin | 58.1% | 57.6% | 58.1% | 64.4% | 48.7% | 48.2% | 48.7% | 48.2% | 51.5% | 56.0% | 66.8% | 67.1% | 58.8% | 56.4% |
| Operating Margin | 23.5% | 22.0% | 19.9% | 22.1% | 21.1% | 18.1% | 21.1% | 18.1% | 15.9% | 16.3% | 19.1% | 26.6% | 18.6% | 17.3% |
| Profit Margin | 9.8% | 7.9% | 8.3% | 11.9% | 3.1% | 7.2% | 3.1% | 7.2% | 4.0% | 4.6% | 6.7% | 13.8% | 10.2% | 8.9% |