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Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $3.2B | $449M | $308M | $1.8B | 23.1% | 18.6% | 47.2% |
| 2024 | $2.7B | $335M | $209M | $1.5B | 17.5% | 25.5% | 19.6% |
| 2023 | $2.1B | $266M | $175M | $1.1B | 14.1% | 22.0% | -15.6% |
| 2022 | $1.7B | $305M | $207M | $850M | 17.5% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 1,736.08 | 2,117.64 | 2,657.80 | 3,151.65 |
| Cost Of Revenue | - | 734.41 | 1,082.50 | 1,418.79 | 1,660.72 |
| Gross Profit | - | 1,001.68 | 1,035.14 | 1,239.01 | 1,490.94 |
| Operating Expense | - | 733.57 | 807.79 | 944.69 | 1,084.21 |
| Operating Income | - | 268.10 | 227.36 | 294.32 | 406.73 |
| EBITDA | - | 304.97 | 265.51 | 334.52 | 448.56 |
| EBIT | - | 268.10 | 227.36 | 294.32 | 406.73 |
| Pretax Income | - | 272.57 | 227.25 | 271.10 | 401.03 |
| Tax Provision | - | 65.15 | 52.13 | 61.65 | 92.64 |
| Net Income | - | 207.42 | 175.12 | 209.45 | 308.39 |
| Net Income Common Stockholders | - | 207.42 | 175.12 | 209.45 | 308.39 |
| Total Expenses | - | 1,467.98 | 1,890.28 | 2,363.48 | 2,744.93 |
| Interest Expense | 76.51 | 115.89 | - | - | - |
| Selling General And Administration | - | 523.04 | 574.72 | 680.09 | 784.20 |
| Normalized EBITDA | - | 306.94 | 265.74 | 341.28 | 455.81 |
| Normalized Income | - | 208.92 | 175.29 | 214.67 | 313.97 |
| Market Cap | 4,147.07 | 4,147.07 | 4,147.07 | 4,147.07 | 4,147.07 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Enova International, Inc.this co. | ENVA | - | 13.45↓ discount | 3.10 | 23.1% | 19.19 |
| Seacoast Banking Corporation of Florida | SBCF | $2.8B | 21.13 | 1.13 | 5.3% | - |
| Merchants Bancorp | MBIN | $2.8B | 10.29 | 1.30 | 12.6% | - |
| Artisan Partners Asset Management Inc. | APAM | $2.7B | 9.24 | 6.11 | 66.2% | 5.40 |
| The Bancorp, Inc. | TBBK |
| - |
| - |
| - |
| - |
| - |
| - |
| $2.6B |
| 10.71 |
| 3.54 |
| 33.1% |
| - |
| Acadian Asset Management Inc. | AAMI | $2.5B | 30.27 | 39.96 | 132.0% | 14.22 |
| WisdomTree, Inc. | WT | $2.3B | 21.24 | 5.60 | 26.4% | 16.65 |
| Hilltop Holdings Inc. | HTH | $2.3B | 12.95 | 0.99 | 7.6% | - |
| Stewart Information Services Corporation | STC | $2.0B | 18.87 | 1.33 | 7.0% | - |
| Peer Median | - | 15.91 | 2.44 | 19.5% | 14.22 | |