Enova International, Inc. (ENVA) financial statements: income statement, balance sheet and cash flow
Enova International, Inc.'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), Enova International, Inc. reported revenue of $3.2B (+18.6% year on year) and net income of $308.4M (+47.2% year on year).
Income statement
Enova International, Inc. income statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Revenue
$3.2B
$2.7B
$2.1B
$1.7B
Change in Fair Value
($1.3B)
($1.1B)
($887.7M)
($618.5M)
Net Revenue
$1.8B
$1.5B
$1.2B
$1.1B
Marketing
$621.1M
$523.6M
$414.5M
$382.6M
Operations and technology
$258.2M
$224.4M
$194.9M
$173.7M
General and administrative
$169.7M
$156.5M
$160.3M
$140.5M
Depreciation and amortization
$41.8M
$40.2M
$38.2M
$36.9M
Total Operating Expenses
$1.1B
$944.7M
$807.8M
$733.6M
Income from Operations
$739.4M
$584.8M
$422.1M
$384.0M
Interest expense, net
($339.3M)
($290.4M)
($194.8M)
($115.9M)
Foreign currency transaction gain (loss)
$367.0K
($1.1M)
$57.0K
($645.0K)
Equity method investment income (loss)
$1.6M
($16.5M)
$116.0K
$6.4M
Other nonoperating expenses
($1.0M)
($5.7M)
($282.0K)
($1.3M)
Income before Income Taxes
$401.0M
$271.1M
$227.2M
$272.6M
Provision for income taxes
$92.6M
$61.7M
$52.1M
$65.2M
Net income
$308.4M
$209.4M
$175.1M
$207.4M
Basic
$12.25
$7.78
$5.71
$6.42
Diluted
$11.52
$7.43
$5.49
$6.19
Basic
25.2M
26.9M
30.7M
32.3M
Diluted
26.8M
28.2M
31.9M
33.5M
Enova International, Inc. income statement, quarters
Line item
Sep 30, 2026 · Q3
Jun 30, 2026 · Q2
Mar 31, 2026 · Q1
Sep 30, 2025 · Q3
Revenue
$1.0B
$928.9M
$875.1M
$802.7M
Change in Fair Value
($394.8M)
($360.9M)
($346.2M)
($342.0M)
Net Revenue
$614.4M
$568.1M
$529.0M
$460.7M
Marketing
$229.7M
$203.6M
$189.4M
$147.4M
Operations and technology
$80.7M
$74.9M
$75.8M
$64.6M
General and administrative
$46.2M
$44.1M
$47.8M
$39.7M
Depreciation and amortization
$10.6M
$8.4M
$8.9M
$12.4M
Total Operating Expenses
$367.1M
$330.9M
$321.9M
$263.9M
Income from Operations
$247.2M
$237.1M
$207.1M
$196.8M
Interest expense, net
($103.5M)
($97.8M)
($94.0M)
($87.0M)
Foreign currency transaction (loss) gain
($901.0K)
$440.0K
($496.0K)
$90.0K
Equity method investment income
$664.0K
$338.0K
$301.0K
$258.0K
Other nonoperating expenses
($632.0K)
$0
—
$0
Income before Income Taxes
$142.8M
$140.1M
$112.9M
$110.2M
Provision for income taxes
$35.5M
$35.0M
$21.8M
$29.9M
Net income
$107.3M
$105.1M
$91.1M
$80.3M
Basic
$4.31
$4.22
$3.66
$3.22
Diluted
$4.06
$4.00
$3.46
$3.03
Basic
24.9M
24.9M
24.9M
25.0M
Diluted
26.4M
26.3M
26.3M
26.5M
Balance sheet
Enova International, Inc. balance sheet, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Cash and cash equivalents
$71.7M
$73.9M
$54.4M
$100.2M
Restricted cash
$336.2M
$248.8M
$323.1M
$78.2M
Loans and finance receivables at fair value
$5.5B
$4.4B
$3.6B
$3.0B
Income taxes receivable
$40.9M
$40.7M
$44.1M
$43.7M
Other receivables and prepaid expenses
$80.9M
$63.8M
$72.0M
$66.3M
Property and equipment, net
$132.6M
$120.0M
$108.7M
$93.2M
Operating lease right-of-use asset
$16.5M
$18.2M
$14.3M
$19.3M
Goodwill
$279.3M
$279.3M
$279.3M
$279.3M
Intangible assets, net
$3.7M
$11.0M
$19.0M
$27.4M
Other assets
$35.2M
$24.2M
$41.6M
$54.7M
Total assets
$6.5B
$5.3B
$4.6B
$3.8B
Accounts payable and accrued expenses
$305.8M
$250.0M
$261.2M
$198.3M
Operating lease liability
$32.0M
$32.2M
$27.0M
$33.6M
Deferred tax liabilities, net
$295.4M
$223.6M
$113.3M
$104.2M
Long-term debt
$4.5B
$3.6B
$2.9B
$2.3B
Total liabilities
$5.1B
$4.1B
$3.3B
$2.6B
Common stock, $0.00001 par value, 250,000,000 shares authorized, 47,441,228 and 46,520,916 shares issued and 24,715,608 and 25,808,096 outstanding as of December 31, 2025 and 2024, respectively
0
0
0
0
Additional paid in capital
$370.1M
$328.3M
$284.3M
$251.9M
Retained earnings
$2.0B
$1.7B
$1.5B
$1.3B
Accumulated other comprehensive loss
($9.5M)
($13.7M)
($6.3M)
($6.0M)
Treasury stock, at cost (22,725,620 and 20,712,820 shares as of December 31, 2025 and 2024, respectively)
-1.0B
-815.4M
-526.1M
-372.9M
Total stockholders' equity
$1.3B
$1.2B
$1.2B
$1.2B
Total liabilities and stockholders' equity
$6.5B
$5.3B
$4.6B
$3.8B
Enova International, Inc. balance sheet, quarters
Line item
Sep 30, 2026
Jun 30, 2026
Mar 31, 2026
Sep 30, 2025
Cash and cash equivalents
$106.0M
$122.2M
$96.1M
$53.6M
Restricted cash
$390.4M
$343.0M
$325.2M
$303.4M
Loans and finance receivables at fair value
$6.6B
$6.2B
$5.9B
$5.0B
Income taxes receivable
$29.3M
$32.0M
$41.0M
$55.1M
Other receivables and prepaid expenses
$97.4M
$81.2M
$74.1M
$76.9M
Property and equipment, net
$141.4M
$140.3M
$135.7M
$128.7M
Operating lease right-of-use assets
$15.7M
$15.4M
$15.9M
$17.2M
Goodwill
$279.3M
$279.3M
$279.3M
$279.3M
Intangible assets, net
$1.9M
$2.2M
$2.4M
$4.9M
Other assets
$38.3M
$33.9M
$34.5M
$30.3M
Total assets
$7.7B
$7.2B
$6.9B
$6.0B
Accounts payable and accrued expenses
$349.2M
$334.9M
$282.1M
$252.9M
Operating lease liabilities
$32.5M
$31.6M
$31.7M
$32.2M
Deferred tax liabilities, net
$368.4M
$344.7M
$329.1M
$286.9M
Long-term debt
$5.4B
$5.0B
$4.8B
$4.1B
Total liabilities
$6.1B
$5.7B
$5.5B
$4.7B
Common stock, $0.00001 par value, 250,000,000 shares authorized, 48,061,707, 47,330,541 and 47,441,228 shares issued and 24,713,804, 24,883,481 and 24,715,608 outstanding as of September 30, 2026 and 2025 and December 31, 2025, respectively
0
0
0
0
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
0
0
0
0
Additional paid in capital
$401.5M
$390.6M
$380.5M
$359.1M
Retained earnings
$2.3B
$2.2B
$2.1B
$1.9B
Accumulated other comprehensive loss
($6.8M)
($6.5M)
($6.4M)
($7.9M)
Treasury stock, at cost (23,347,903, 22,447,060 and 22,725,620 shares as of September 30, 2026 and 2025 and December 31, 2025, respectively)
-1.1B
-1.1B
-1.1B
-994.7M
Total stockholders' equity
$1.6B
$1.5B
$1.4B
$1.3B
Total liabilities and stockholders’ equity
$7.7B
$7.2B
$6.9B
$6.0B
Cash flow statement
Enova International, Inc. cash flow statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Net income
$308.4M
$209.4M
$175.1M
$207.4M
Depreciation and amortization
$41.8M
$40.2M
$38.2M
$36.9M
Amortization of deferred loan costs and debt discount
$16.6M
$15.8M
$10.1M
$5.7M
Change in fair value
$1.3B
$1.1B
$879.4M
$612.2M
Stock-based compensation expense
$33.1M
$31.8M
$26.7M
$21.9M
Loss on early extinguishment of debt
$1.0M
$5.7M
$282.0K
—
Operating leases, net
$1.5M
$1.2M
($1.5M)
($3.6M)
Deferred income taxes, net
$70.6M
$112.7M
$8.5M
$17.0M
Finance and service charges on loans and finance receivables
$1.4M
($12.5M)
($44.2M)
($32.3M)
Other receivables, prepaid expenses and other assets
($24.2M)
$12.8M
$8.9M
($24.3M)
Accounts payable and accrued expenses
$35.0M
$35.1M
$18.1M
($2.8M)
Current income taxes receivable/payable
$20.5M
($49.3M)
$47.2M
$50.9M
Net cash provided by operating activities
$1.8B
$1.5B
$1.2B
$894.0M
Loans and finance receivables originated or acquired
($7.2B)
($5.6B)
($4.3B)
($4.1B)
Loans and finance receivables repaid
$4.8B
$3.8B
$2.9B
$2.5B
Capitalization of software development costs and purchases of fixed assets
($47.1M)
($43.4M)
($45.2M)
($43.6M)
Net cash used in investing activities
($2.4B)
($1.9B)
($1.5B)
($1.7B)
Borrowings under revolving line of credit
$1.8B
$852.0M
$423.0M
$139.0M
Repayments under revolving line of credit
($1.6B)
($755.0M)
($376.0M)
($30.0M)
Borrowings under securitization facilities
$1.7B
$1.6B
$1.0B
$827.7M
Repayments under securitization facilities
($895.7M)
($1.0B)
($679.2M)
($65.5M)
Debt issuance costs paid
($15.3M)
($28.1M)
($22.4M)
($7.5M)
Debt prepayment penalty paid
($563.0K)
—
—
—
Proceeds from exercise of stock options
$8.7M
$12.2M
$5.6M
$4.2M
Treasury shares purchased
-214.6M
-289.3M
-153.2M
-143.1M
Net cash provided by financing activities
$711.8M
$318.9M
$526.5M
$724.9M
Effect of exchange rates on cash
$39.0K
($1.0M)
$287.0K
($77.0K)
Net increase (decrease) in cash, cash equivalents and restricted cash
$85.2M
($54.8M)
$199.0M
($47.5M)
Cash, cash equivalents and restricted cash at beginning of year
$322.7M
$377.4M
$178.4M
$225.9M
Cash, cash equivalents and restricted cash at end of year
$407.9M
$322.7M
$377.4M
$178.4M
Enova International, Inc. cash flow statement, quarters
Line item
Sep 30, 2026 · YTD
Jun 30, 2026 · YTD
Mar 31, 2026 · Q1
Sep 30, 2025 · YTD
Net income
$303.5M
$196.2M
$91.1M
$229.4M
Depreciation and amortization
$27.9M
$17.3M
$8.9M
$32.8M
Amortization of deferred loan costs and debt discount
$13.3M
$8.6M
$4.3M
$12.3M
Change in fair value of loans and finance receivables
$1.1B
$703.1M
$344.3M
$977.9M
Stock-based compensation expense
$26.9M
$17.5M
$8.7M
$24.6M
Loss on early extinguishment of debt
$632.0K
—
—
$1.0M
Operating leases, net
$1.3M
$710.0K
$295.0K
$1.1M
Deferred income taxes, net
$72.1M
$48.4M
$32.7M
$61.5M
Finance and service charges on loans and finance receivables
($33.1M)
($18.8M)
($4.7M)
$6.0K
Other receivables and prepaid expenses and other assets
($9.6M)
$5.5M
$9.7M
($15.1M)
Accounts payable and accrued expenses
$14.7M
$11.3M
($32.6M)
($15.4M)
Current income taxes
$40.8M
$28.9M
$11.9M
$10.2M
Net cash provided by operating activities
$1.6B
$1.0B
$474.5M
$1.3B
Loans and finance receivables originated or acquired
($6.7B)
($4.3B)
($2.2B)
($5.1B)
Loans and finance receivables repaid
$4.5B
$2.9B
$1.4B
$3.5B
Capitalization of software development costs and purchases of fixed assets
($35.0M)
($23.4M)
($10.8M)
($35.4M)
Net cash used in investing activities
($2.2B)
($1.4B)
($753.4M)
($1.6B)
Borrowings under revolving line of credit
$1.7B
$1.1B
$578.0M
$1.2B
Repayments under revolving line of credit
($1.6B)
($1.1B)
($564.0M)
($1.1B)
Borrowings under securitization facilities
$1.6B
$592.6M
$358.0M
$1.1B
Repayments under securitization facilities
($817.2M)
($66.0M)
($40.8M)
($598.8M)
Debt issuance costs paid
($19.7M)
($3.0M)
($1.2M)
($10.4M)
Proceeds from exercise of stock options
$4.5M
$3.1M
$1.7M
$6.2M
Treasury shares purchased
-105.6M
-59.4M
-39.6M
-179.3M
Net cash provided by financing activities
$757.9M
$450.4M
$292.1M
$356.7M
Effect of exchange rates on cash, cash equivalents and restricted cash
($350.0K)
($297.0K)
$206.0K
$228.0K
Net increase in cash, cash equivalents and restricted cash
$88.5M
$57.3M
$13.5M
$34.3M
Cash, cash equivalents and restricted cash at beginning of year
$407.9M
$407.9M
$407.9M
$322.7M
Cash, cash equivalents and restricted cash at end of period