Enova International, Inc. income statement

In fiscal 2025, Enova International, Inc. reported revenue of $3.15bn, up 18.6% on the year before, operating income of $739m (a 23.5% margin) and net income of $308m, or $11.52 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Enova International, Inc.: income statement, annual
Fiscal year	2012Dec 2012	2013Dec 2013	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMSept 2026
Revenue	661	765	810	653	746	729	973	1,175	1,084	1,208	1,736	2,118	2,658	3,152	3,653
Cost of revenue	288	315	267	217	328	353	503	603	—	—	—	—	—	—	—
Gross profit	372	450	543	436	418	375	469	572	684	1,024	1,118	1,230	1,529	1,830	2,213
General and administrative	73	84	108	102	98	100	105	109	141	157	140	160	157	170	185
Operating income	114	143	215	124	121	116	176	248	358	413	384	422	585	739	878
Interest expense	21	20	38	—	—	—	79	76	87	77	116	195	290	339	384
Net interest income	—	−20	−38	−53	−66	−74	−79	−76	—	—	—	—	—	—	—
Income before tax	93	122	176	71	57	20	69	170	435	337	273	227	271	401	495
Income tax	34	44	65	27	23	2	5	42	57	80	65	52	62	93	112
Net income	59	78	112	44	35	29	70	37	378	256	207	175	209	308	382
Diluted EPS	$1.78	$2.36	$3.38	$1.33	$1.03	$0.86	$1.99	$1.06	$11.70	$6.79	$6.19	$5.49	$7.43	$11.52	$14.44
Diluted shares (average)	33m	33m	33m	33m	33m	34m	35m	34m	32m	38m	33m	32m	28m	27m	26m
EBITDA	127	160	234	143	137	129	190	263	378	448	421	460	625	781	915

US$ millions unless shown otherwise. Fiscal quarters.

Enova International, Inc.: income statement, quarterly
Quarter	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026	2026 Q3Sept 2026
Revenue	730	746	764	803	839	875	929	1,009
Gross profit	413	426	441	461	502	529	568	614
General and administrative	38	42	41	40	47	48	44	46
Operating income	155	172	184	197	187	207	237	247
Interest expense	77	81	83	87	89	94	98	104
Income before tax	77	91	101	110	99	113	140	143
Income tax	14	18	25	30	20	22	35	36
Net income	64	73	76	80	79	91	105	107
Diluted EPS	$2.29	$2.69	$2.86	$3.03	$2.99	$3.46	$4.00	$4.06
EBITDA	165	182	194	209	196	216	246	258

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

Compare with peers

Head to head: ENVA vs KLAR BFH vs ENVA ENVA vs FCFS

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from Enova International, Inc.'s SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Enova International, Inc.