Enova International, Inc.
ENVANYSE
$232.52
↓ -1.3%Jul 17 close · end-of-day
Price
1Y↑ +104.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$6.1B
Enterprise Value
$10.9B
P/E
18.9
P/S
1.9
P/B
4.4
EV/EBITDA
13.3
PEG
0.8
FCF Yield
—
Dividend Yield
—
Revenue (TTM)
$3.3B
Net Income (TTM)
$326.5M
Free Cash Flow (TTM)
—
Gross Margin
58.9%
Operating Margin
23.6%
Net Margin
10.0%
ROE
23.3%
ROIC
9.8%
Debt / Equity
3.4
Net Cash
-$4.7B
Return 1Y
+102.4%
Company profile
Enova International, Inc. provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders.
- CEO
- David A. Fisher
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 1,800
- Headquarters
- Illinois
- Website
- enova.com
Management & directors
- Fisher DavidChief Executive Officer
- Cornelis ScottChief Financial Officer
- Cunningham Steven EChief Executive Officer
- Chartier KirkChief Strategy Officer
- Lee James JosephChief Accounting Officer
- Rahilly SeanGeneral Counsel and Secretary
Roles derived from SEC Form 4 filings.
Earnings
ENVA Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$875.1M↑ +17.4%
Diluted EPS$3.46↑ +28.6%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $1.1B | $1.2B | $1.7B | $2.1B | $2.7B | $3.2B |
| Gross profit | $684.2M | $1.0B | $1.1B | $1.2B | $1.5B | $1.8B |
| Operating income | $357.8M | $413.1M | $384.0M | $422.1M | $584.8M | $739.4M |
| Net income | $377.8M | $256.3M | $207.4M | $175.1M | $209.4M | $308.4M |
| Diluted EPS | $11.70 | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 |
| Operating cash flow | $740.9M | $471.9M | $894.0M | $1.2B | $1.5B | $1.8B |
| Free cash flow | $711.4M | $442.2M | — | — | — | — |
| Gross margin | 63.1% | 84.8% | 64.4% | 58.1% | 57.5% | 58.1% |
| Operating margin | 33.0% | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% |
| Net margin | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $628.4M | $689.9M | $729.6M | $745.5M | $764.0M | $802.7M | $839.4M | $875.1M |
| Gross profit | $370.2M | $400.4M | $413.0M | $426.2M | $441.5M | $460.7M | $501.9M | $529.0M |
| Operating income | $145.1M | $153.7M | $155.2M | $171.9M | $184.1M | $196.8M | $186.6M | $207.1M |
| Net income | $53.9M | $43.4M | $63.7M | $72.9M | $76.1M | $80.3M | $79.0M | $91.1M |
| Diluted EPS | $1.93 | $1.57 | $2.29 | $2.69 | $2.86 | $3.03 | $2.94 | $3.46 |
| Operating cash flow | $360.9M | $398.6M | $430.5M | $391.1M | $447.4M | $481.8M | $498.8M | $474.5M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | 58.9% | 58.0% | 56.6% | 57.2% | 57.8% | 57.4% | 59.8% | 60.4% |
| Operating margin | 23.1% | 22.3% | 21.3% | 23.1% | 24.1% | 24.5% | 22.2% | 23.7% |
| Net margin | 8.6% | 6.3% | 8.7% | 9.8% | 10.0% | 10.0% | 9.4% | 10.4% |
Company news
Jul 10, 2026
Jul 9, 2026
Jul 8, 2026
Jul 7, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-15 | Fisher David· Executive Chairman | Sale | 11,494 | $231.45 | $2.7M | filing |
| 2026-07-15 | Fisher David· Executive Chairman | Option exercise | 11,494 | $20.73 | $238,270.62 | filing |
| 2026-07-14 | Fisher David· Executive Chairman | Sale | 17,006 | $231.51 | $3.9M | filing |
| 2026-07-14 | Fisher David· Executive Chairman | Option exercise | 17,006 | $20.73 | $352,534.38 | filing |
| 2026-06-18 | TEBBE MARK | Sale | 20,000 | $201.37 | $4.0M | filing |
| 2026-06-17 | Fisher David· Executive Chairman | Sale | 33,060 | $199.05 | $6.6M | filing |
| 2026-06-17 | Fisher David· Executive Chairman | Option exercise | 33,060 | $20.73 | $685,333.80 | filing |
| 2026-06-16 | GOODYEAR WILLIAM M | Sale | 3,500 | $188.02 | $658,054.95 | filing |
| 2026-06-12 | GOODYEAR WILLIAM M | Gift | 8,437 | $0.00 | $0.00 | filing |
| 2026-06-01 | GOODYEAR WILLIAM M | Sale | 5,983 | $163.13 | $975,999.01 | filing |
| 2026-05-29 | RICE LINDA JOHNSON | Sale | 1,300 | $161.20 | $209,555.84 | filing |
| 2026-05-22 | Fisher David· Executive Chairman | Sale | 3,076 | $158.45 | $487,382.05 | filing |
| 2026-05-22 | Fisher David· Executive Chairman | Option exercise | 3,076 | $20.73 | $63,765.48 | filing |
| 2026-05-21 | Fisher David· Executive Chairman | Sale | 7,180 | $160.37 | $1.2M | filing |
| 2026-05-21 | Fisher David· Executive Chairman | Option exercise | 7,180 | $20.73 | $148,841.40 | filing |
| 2026-05-18 | GOODYEAR WILLIAM M | Sale | 6,231 | $166.08 | $1.0M | filing |
| 2026-05-13 | GOODYEAR WILLIAM M | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | Gray James A | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | KAPLAN GREGG A. | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | RICE LINDA JOHNSON | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | McGowan Mark | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | Corby Lindsay Y | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | FEEHAN DANIEL R | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | TEBBE MARK | Award | 1,320 | $0.00 | $0.00 | filing |
| 2026-05-13 | CARNAHAN ELLEN | Award | 1,320 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.