ENVA FY 2024 Earnings Report — Enova International, Inc. Revenue & Financial Results | Market Cap Arena

Enova International, Inc.ENVA

FY 2024 Earnings

Reported February 18, 2025

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2024	Prior Q	FY 2023	QoQ Change	YoY Change
Revenue	$2.7B	—	$2.1B	—	25.5%
Op. Income	$585M	—	$422M	—	38.5%
Gross Margin	46.6%	—	48.9%	—	-2.3pp
Net Margin	7.9%	—	8.3%	—	-0.4pp
EPS (Diluted)	$7.43	—	$5.49	—	35.3%
Free Cash Flow	$1.5B	—	$1.1B	—	33.3%

Revenue Flow

Item	Amount
REVENUE	$2.7B
Cost of Revenue	$1.4B
GROSS PROFIT	$1.2B
R&D Expenses	$0
Selling & Marketing	$524M
General & Administrative	$157M
SG&A Expenses	$680M
Other Expenses	-$26M
Operating Expenses	$654M
Cost & Expenses	$2.1B
OPERATING INCOME	$585M
Interest Income	$0
Interest Expense	$0
Other Income/Expenses	-$314M
INCOME BEFORE TAX	$271M
Income Tax Expense	$62M
Net Income from Continuing Ops	$209M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$209M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$209M
D&A	$40M
EBIT	$294M
EBITDA	$335M
EPS	$8
EPS Diluted	$7

Income Statement

Item	Amount
REVENUE	$2.7B
Cost of Revenue	$1.4B
GROSS PROFIT	$1.2B
R&D Expenses	$0
Selling & Marketing	$524M
General & Administrative	$157M
SG&A Expenses	$680M
Other Expenses	-$26M
Operating Expenses	$654M
Cost & Expenses	$2.1B
OPERATING INCOME	$585M
Interest Income	$0
Interest Expense	$0
Other Income/Expenses	-$314M
INCOME BEFORE TAX	$271M
Income Tax Expense	$62M
Net Income from Continuing Ops	$209M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$209M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$209M
D&A	$40M
EBIT	$294M
EBITDA	$335M
EPS	$8
EPS Diluted	$7

Cash Flow Statement

Item	Amount
Net Income	$209M
Depreciation & Amortization	$40M
Stock-Based Compensation	$32M
Deferred Income Tax	$113M
Other Non-Cash Items	$1.2B
Change in Working Capital	-$14M
OPERATING CASH FLOW	$1.5B
Capital Expenditure	-$43M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$1.9B
NET CASH FROM INVESTING	-$1.9B
Net Debt Issuance	$624M
Common Stock Repurchased	-$289M
Common Dividends Paid	$0
Other Financing Activities	-$16M
NET CASH FROM FINANCING	$319M
FREE CASH FLOW	$1.5B
Net Change in Cash	-$55M

Balance Sheet

Item	Amount
Cash & Equivalents	$74M
Short-Term Investments	$0
Net Receivables	$64M
Inventory	$0
Other Current Assets	$4.7B
TOTAL CURRENT ASSETS	$4.8B
PP&E (Net)	$138M
Goodwill	$279M
Intangible Assets	$11M
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$24M
TOTAL NON-CURRENT ASSETS	$453M
TOTAL ASSETS	$5.3B
Account Payables	$59M
Short-Term Debt	$233M
Deferred Revenue	$0
Other Current Liabilities	$82M
TOTAL CURRENT LIABILITIES	$483M
Long-Term Debt	$3.3B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$224M
Other Non-Current Liabilities	$0
TOTAL NON-CURRENT LIABILITIES	$3.6B
TOTAL LIABILITIES	$4.1B
Common Stock	$0
Additional Paid-In Capital	$328M
Retained Earnings	$1.7B
Treasury Stock	-$815M
Accum. Other Comp. Income	-$14M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$1.2B
Minority Interest	$0
TOTAL EQUITY	$1.2B
TOTAL LIABILITIES & EQUITY	$5.3B
Total Debt	$3.6B
Net Debt	$3.5B