Educational research on US and Indian equities, ETFs, mutual funds and crypto, with screeners and a free investing academy.
All data is for educational purposes only and should not be considered investment advice.
Equiscale is operated by Syntellia LLC, a Delaware limited liability company.
© 2026 Syntellia LLC. All rights reserved.
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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 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 | 2025 |
|---|---|
| Total Revenue | 3,151.65 |
| Operating Revenue | 3,110.30 |
| Cost Of Revenue | 1,660.72 |
| Gross Profit | 1,490.94 |
| Operating Expense | 1,084.21 |
| Selling General And Administration | 784.20 |
| Total Expenses | 2,744.93 |
| Operating Income | 406.73 |
| Total Operating Income As Reported | 739.43 |
| EBITDA | 448.56 |
| Normalized EBITDA | 455.81 |
| EBIT | 406.73 |
| Interest Expense | - |
| Net Interest Income | - |
| Other Non Operating Income Expenses | - |
| Other Income Expense | -5.69 |
| Interest Expense Non Operating | - |
| Net Non Operating Interest Income Expense | - |
| Pretax Income | 401.03 |
| Tax Provision | 92.64 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -1.68 |
| Net Income Continuous Operations | 308.39 |
| Net Income From Continuing And Discontinued Operation | 308.39 |
| Net Income From Continuing Operation Net Minority Interest | 308.39 |
| Net Income | 308.39 |
| Net Income Common Stockholders | 308.39 |
| Net Income Including Noncontrolling Interests | 308.39 |
| Normalized Income | 313.97 |
| Diluted NI Availto Com Stockholders | 308.39 |
| Basic Average Shares | 25.17 |
| Diluted Average Shares | 26.78 |
| Reconciled Depreciation | 41.83 |
| Reconciled Cost Of Revenue | 1,660.72 |
| Total Unusual Items | -7.25 |
| Total Unusual Items Excluding Goodwill | -7.25 |
| Minority Interests | - |
| Net Income Discontinuous Operations | - |
| Special Income Charges | -7.62 |
| Other Special Charges | 1.02 |
| Restructuring And Mergern Acquisition | 6.60 |
| Gain On Sale Of Security | 0.37 |
| Depreciation Amortization Depletion Income Statement | 41.83 |
| Depreciation And Amortization In Income Statement | 41.83 |
| General And Administrative Expense | 163.12 |
| Other Gand A | 163.12 |
| Other Operating Expenses | 258.18 |
| Selling And Marketing Expense | 621.08 |
| Earnings From Equity Interest | 1.56 |
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 | $4.2B | 13.55↑ premium | 3.12 | 23.1% | 19.25 |
| Radian Group Inc. | RDN | $4.5B | 7.67 | 0.93 | 12.2% | - |
| CleanSpark, Inc. | CLSK | $4.3B | 11.81 | 1.98 | 16.8% | 6.67 |
| MarketAxess Holdings Inc. | MKTX | $4.3B | 17.38 | 3.74 | 21.5% | 8.95 |
| ServisFirst Bancshares, Inc. | SFBS |
| - |
| - |
| - |
| - |
| - |
| - |
| $4.3B |
| 15.41 |
| 2.30 |
| 15.0% |
| - |
| Fulton Financial Corporation | FULT | $4.2B | 10.70 | 1.27 | 11.9% | - |
| Sezzle Inc. | SEZL | $4.1B | 30.56 | 23.96 | 78.4% | 25.25 |
| United Community Banks, Inc. | UCB | $4.0B | 12.12 | 1.09 | 9.0% | - |
| Cathay General Bancorp | CATY | $3.9B | 12.38 | 1.33 | 10.8% | - |
| Peer Median | - | 12.25 | 1.66 | 13.6% | 8.95 | |