ENVA FY 2025 Earnings Report — Enova International, Inc. Revenue & Financial Results | Market Cap Arena

Enova International, Inc.ENVA

FY 2025 Earnings

Reported February 20, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$3.2B	—	$2.7B	—	18.6%
Op. Income	$739M	—	$585M	—	26.5%
Gross Margin	50.1%	—	46.6%	—	3.5pp
Net Margin	9.8%	—	7.9%	—	1.9pp
EPS (Diluted)	$11.58	—	$7.43	—	55.9%
Free Cash Flow	$1.8B	—	$1.5B	—	18.5%

Revenue Flow

Item	Amount
REVENUE	$3.2B
Cost of Revenue	$1.6B
GROSS PROFIT	$1.6B
R&D Expenses	$68M
Selling & Marketing	$621M
General & Administrative	$170M
SG&A Expenses	$791M
Other Expenses	-$18M
Operating Expenses	$841M
Cost & Expenses	$2.4B
OPERATING INCOME	$739M
Interest Income	$0
Interest Expense	$170M
Other Income/Expenses	-$338M
INCOME BEFORE TAX	$401M
Income Tax Expense	$93M
Net Income from Continuing Ops	$308M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$308M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$308M
D&A	$42M
EBIT	$488M
EBITDA	$530M
EPS	$12
EPS Diluted	$12

Income Statement

Item	Amount
REVENUE	$3.2B
Cost of Revenue	$1.6B
GROSS PROFIT	$1.6B
R&D Expenses	$68M
Selling & Marketing	$621M
General & Administrative	$170M
SG&A Expenses	$791M
Other Expenses	-$18M
Operating Expenses	$841M
Cost & Expenses	$2.4B
OPERATING INCOME	$739M
Interest Income	$0
Interest Expense	$170M
Other Income/Expenses	-$338M
INCOME BEFORE TAX	$401M
Income Tax Expense	$93M
Net Income from Continuing Ops	$308M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$308M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$308M
D&A	$42M
EBIT	$488M
EBITDA	$530M
EPS	$12
EPS Diluted	$12

Cash Flow Statement

Item	Amount
Net Income	$308M
Depreciation & Amortization	$42M
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$1.4B
Change in Working Capital	$34M
OPERATING CASH FLOW	$1.8B
Capital Expenditure	-$47M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$2.4B
NET CASH FROM INVESTING	-$2.4B
Net Debt Issuance	$918M
Common Stock Repurchased	-$215M
Common Dividends Paid	$0
Other Financing Activities	$0
NET CASH FROM FINANCING	$712M
FREE CASH FLOW	$1.8B
Net Change in Cash	$85M

Balance Sheet

Item	Amount
Cash & Equivalents	$72M
Short-Term Investments	$0
Net Receivables	$5.5B
Inventory	$0
Other Current Assets	-$5.5B
TOTAL CURRENT ASSETS	$72M
PP&E (Net)	$181M
Goodwill	$279M
Intangible Assets	$4M
Long-Term Investments	$0
Tax Assets	$0
Other Non-Current Assets	$0
TOTAL NON-CURRENT ASSETS	$464M
TOTAL ASSETS	$6.5B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	$306M
TOTAL CURRENT LIABILITIES	$306M
Long-Term Debt	$4.5B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$295M
Other Non-Current Liabilities	-$4.9B
TOTAL NON-CURRENT LIABILITIES	$0
TOTAL LIABILITIES	$5.1B
Common Stock	$0
Additional Paid-In Capital	$370M
Retained Earnings	$2.0B
Treasury Stock	-$1.0B
Accum. Other Comp. Income	-$10M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$1.3B
Minority Interest	$0
TOTAL EQUITY	$1.3B
TOTAL LIABILITIES & EQUITY	$6.5B
Total Debt	$4.6B
Net Debt	$4.5B