Enova International, Inc.
Profit after direct costs
Core business profitability
Bottom line profitability
Top line growth rate
Flow of revenue through cost categories to net income
| Item | Trend | 2021 | 2022 | 2023 | 2024 | 2025 | YoY Change |
|---|---|---|---|---|---|---|---|
Total Revenue | 1.21B | 1.74B | 2.12B | 2.66B | 3.15B | 18.6% | |
| Cost of Revenue | (260.18M) | (734.41M) | (1.08B) | (1.42B) | (1.57B) | 10.8% | |
Gross Profit | 947.75M | 1.00B | 1.04B | 1.24B | 1.58B | 27.5% | |
| Operating Expenses | |||||||
| Research & Development | — | — | — | — | (67.50M) | — | |
| Selling, General & Administrative | (428.12M) | (523.04M) | (574.73M) | (680.09M) | (790.80M) | 16.3% | |
| General & Administrative | (156.96M) | (140.46M) | (160.26M) | (156.52M) | (169.72M) | 8.4% | |
| Selling & Marketing | (271.16M) | (382.57M) | (414.46M) | (523.57M) | (621.08M) | 18.6% | |
| Depreciation & Amortization | (35.38M) | (36.87M) | (38.16M) | (40.21M) | (41.83M) | 4.0% | |
Operating Income (EBIT) | 413.06M | 383.99M | 422.13M | 584.76M | 739.43M | 26.5% | |
| Non-Operating Items | |||||||
| Interest Income | — | — | — | — | — | — | |
| Interest Expense | (76.51M) | (115.89M) | (194.78M) | — | (169.57M) | — | |
| Other Income/Expenses (Net) | -75.91M | -111.42M | -194.89M | -313.66M | -338.40M | 7.9% | |
Income Before Tax | 337.15M | 272.57M | 227.25M | 271.10M | 401.03M | 47.9% | |
| Income Tax Expense | (80.09M) | (65.15M) | (52.13M) | (61.65M) | (92.64M) | 50.3% | |
Net Income | 256.30M | 207.42M | 175.12M | 209.45M | 308.39M | 47.2% | |
| Per Share Metrics | |||||||
| Earnings Per Share (Basic) | $7 | $6 | $6 | $8 | $12 | 57.6% | |
| Weighted Avg Shares Outstanding | 36.35M | 32.29M | 30.67M | 26.92M | 24.76M | -8.0% | |
| Weighted Avg Shares Outstanding (Diluted) | 37.74M | 33.48M | 31.92M | 28.20M | 26.36M | -6.5% | |
EBITDA | 371.93M | 304.97M | 265.51M | 334.52M | 529.82M | 58.4% |
Explore ENVA
ENVA in the Financial Services
Mid Cap