Enova International, Inc.
ENVA · NYSE
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $802,678 | $764,043 | $745,541 | $729,551 |
| % Growth | 5.1% | 2.5% | 2.2% | – |
| Cost of Goods Sold | $428,925 | $405,366 | $399,903 | $393,504 |
| Gross Profit | $373,753 | $358,677 | $345,638 | $336,047 |
| % Margin | 46.6% | 46.9% | 46.4% | 46.1% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $39,661 | $40,508 | $42,464 | $38,035 |
| SG&A Expenses | $187,012 | $183,356 | $181,755 | $189,213 |
| Sales & Mktg Exp. | $147,351 | $142,848 | $139,291 | $151,178 |
| Other Operating Expenses | -$10,034 | -$8,785 | -$8,021 | -$8,362 |
| Operating Expenses | $176,978 | $174,571 | $173,734 | $180,851 |
| Operating Income | $196,775 | $184,106 | $171,904 | $155,196 |
| % Margin | 24.5% | 24.1% | 23.1% | 21.3% |
| Other Income/Exp. Net | -$86,606 | -$83,053 | -$80,876 | -$77,799 |
| Pre-Tax Income | $110,169 | $101,053 | $91,028 | $77,397 |
| Tax Expense | $29,855 | $24,904 | $18,083 | $13,702 |
| Net Income | $80,314 | $76,149 | $72,945 | $63,695 |
| % Margin | 10% | 10% | 9.8% | 8.7% |
| EPS | 3.22 | 3.01 | 2.84 | 2.44 |
| % Growth | 7% | 6% | 16.4% | – |
| EPS Diluted | 3.03 | 2.86 | 2.69 | 2.3 |
| Weighted Avg Shares Out | 24,955 | 25,486 | 25,676 | 26,141 |
| Weighted Avg Shares Out Dil | 26,472 | 27,062 | 27,104 | 27,666 |
| Supplemental Information | – | – | – | – |
| Interest Income | $0 | $0 | $0 | $0 |
| Interest Expense | $0 | $0 | $80,544 | $0 |
| Depreciation & Amortization | $12,356 | $10,348 | $10,061 | $10,196 |
| EBITDA | $122,177 | $111,673 | $101,421 | $88,403 |
| % Margin | 15.2% | 14.6% | 13.6% | 12.1% |