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
Sep '26
$1.0B
$107M
60.9%
24.5%
6.8%
1.4%
$524M
$5.4B
$106M
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
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 5.2× (Mar '23) to 13.8× (Nov '26).
The price-to-sales ratio has risen from 0.6× (Mar '23) to 1.4× (Nov '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?
Enova International, Inc.'s P/E (TTM) is 11.13 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the ENVA stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 13.8× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.