14 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has grown 23.8% per year over the past 5 years.
Net income has grown slower than revenue (-4.0% vs 23.8% per year).
Operating margin has contracted, at 23.5% in the latest year.
Free cash flow has grown 20.0% per year over the past 5 years.
Financial health
Total debt ($4.5B) exceeds cash ($72M); net debt is $4.4B.
Total debt has grown faster than revenue (36.6% vs 23.8% per year).
Operating income covered interest expense 2.2× in the latest year, down from 4.1× 5 years ago.
Total debt is 5.8× EBITDA.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
2025
$3.2B
$308M
58.1%
23.5%
23.1%
4.8%
$1.8B
$4.5B
$72M
2024
$2.7B
$209M
57.5%
22.0%
17.5%
4.0%
$1.5B
$3.6B
$74M
2023
$2.1B
$175M
58.1%
19.9%
14.1%
3.8%
$1.1B
$2.9B
$54M
2022
$1.7B
$207M
64.4%
22.1%
17.5%
5.5%
$850M
$2.3B
$100M
2021
$1.2B
$256M
84.8%
34.2%
23.4%
9.3%
$442M
$1.4B
$165M
2020
$1.1B
$378M
63.1%
33.0%
41.2%
17.9%
$711M
$946M
$297M
2019
$1.2B
$37M
48.7%
21.1%
9.7%
2.3%
—
$991M
$36M
2018
$973M
$70M
48.2%
18.0%
20.2%
5.3%
—
$858M
$28M
2017
$729M
$29M
51.5%
15.9%
10.4%
2.5%
—
$789M
$50M
2016
$746M
$35M
56.0%
16.3%
14.3%
3.5%
—
$650M
$40M
2015
$653M
$44M
66.8%
19.1%
21.4%
5.2%
—
$542M
$42M
2014
$810M
$112M
67.1%
26.5%
72.5%
14.7%
—
$494M
$75M
2013
$765M
$78M
58.8%
18.6%
45.1%
11.3%
—
$424M
$47M
2012
$661M
—
56.4%
17.3%
0.0%
—
—
—
$38M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Return on equity & assets (ROE / ROA)
ROEROA
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
ROE
ROA
FCF
Total debt
Cash
Jun '26
$929M
$105M
61.2%
25.5%
7.0%
1.5%
$531M
$5.0B
$122M
Mar '26
$875M
$91M
60.4%
23.7%
6.5%
1.3%
$464M
$4.8B
$96M
Dec '25
$839M
$79M
59.8%
22.2%
5.9%
1.2%
$487M
$4.5B
$72M
Sep '25
$803M
$80M
57.4%
24.5%
6.3%
1.3%
$470M
$4.1B
$54M
Jun '25
$764M
$76M
57.8%
24.1%
6.2%
1.3%
$436M
$4.0B
$56M
Mar '25
$746M
$73M
57.2%
23.1%
6.1%
1.3%
$378M
$3.8B
$56M
Dec '24
$730M
$64M
56.6%
21.3%
5.3%
1.2%
$420M
$3.6B
$74M
Sep '24
$690M
$43M
58.0%
22.3%
3.7%
0.9%
$388M
$3.3B
$68M
Jun '24
$628M
$54M
58.9%
23.1%
4.7%
1.1%
$350M
$3.2B
$60M
Mar '24
$610M
$48M
56.7%
21.4%
4.2%
1.0%
$337M
$3.0B
$76M
Dec '23
$584M
$35M
55.7%
16.7%
2.8%
0.8%
$302M
$2.9B
$54M
Sep '23
$551M
$41M
58.0%
18.8%
3.3%
1.0%
$258M
$2.4B
$63M
Jun '23
$499M
$48M
59.9%
22.3%
3.9%
1.2%
$289M
$2.3B
$100M
Mar '23
$483M
$51M
59.2%
22.6%
4.2%
1.3%
$272M
$2.3B
$98M
Dec '22
$486M
$51M
59.7%
21.6%
4.3%
1.3%
$259M
$2.3B
$100M
Sep '22
$456M
$52M
64.5%
21.6%
4.5%
1.5%
$223M
$2.1B
$88M
Jun '22
$408M
$52M
64.8%
21.9%
4.7%
1.6%
$225M
$1.8B
$144M
Mar '22
$386M
$52M
69.7%
23.5%
4.9%
1.7%
$143M
$1.7B
$132M
Dec '21
$364M
$49M
77.1%
22.2%
4.5%
1.8%
$139M
$1.4B
$165M
Sep '21
$320M
$52M
77.0%
26.9%
4.5%
2.1%
$98M
$1.1B
$229M
Valuation over time
How the market has priced ENVA against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 5.3× (Mar '23) to 18.8× (Sep '26).
The price-to-sales ratio has risen from 0.6× (Mar '23) to 1.8× (Sep '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Frequently asked questions
Is ENVA growing its revenue and profit?
Over the past 5 years, Enova International, Inc.'s revenue has grown 23.8% per year, and net income declined 4.0% per year. These are computed facts, not advice.
How much debt does ENVA have?
As of FY2025, Enova International, Inc. reported $4.5B of total debt against $72M of cash; operating income covered interest expense 2.2×.
What is ENVA's profit margin?
In FY2025, gross margin was 58.1%, operating margin 23.5%, and net margin 9.8%.
What is ENVA's P/E ratio?
As of Sep '26, Enova International, Inc. traded at a price-to-earnings ratio of about 18.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.