Enova International, Inc.
ENVA · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $2,657,800 | $2,117,639 | $1,736,085 | $1,207,932 |
| % Growth | 25.5% | 22% | 43.7% | – |
| Cost of Goods Sold | $1,418,793 | $1,082,496 | $734,408 | $260,181 |
| Gross Profit | $1,239,007 | $1,035,143 | $1,001,677 | $947,751 |
| % Margin | 46.6% | 48.9% | 57.7% | 78.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $156,524 | $160,265 | $140,464 | $156,962 |
| SG&A Expenses | $680,093 | $574,725 | $523,037 | $428,122 |
| Sales & Mktg Exp. | $523,569 | $414,460 | $382,573 | $271,160 |
| Other Operating Expenses | -$25,844 | $38,283 | $94,648 | $106,566 |
| Operating Expenses | $654,249 | $613,008 | $617,685 | $534,688 |
| Operating Income | $584,758 | $422,135 | $383,992 | $413,063 |
| % Margin | 22% | 19.9% | 22.1% | 34.2% |
| Other Income/Exp. Net | -$313,657 | -$194,888 | -$111,418 | -$75,908 |
| Pre-Tax Income | $271,101 | $227,247 | $272,574 | $337,155 |
| Tax Expense | $61,653 | $52,126 | $65,150 | $80,087 |
| Net Income | $209,448 | $175,121 | $207,424 | $256,295 |
| % Margin | 7.9% | 8.3% | 11.9% | 21.2% |
| EPS | 7.78 | 5.71 | 6.42 | 7.05 |
| % Growth | 36.3% | -11.1% | -8.9% | – |
| EPS Diluted | 7.43 | 5.49 | 6.19 | 6.79 |
| Weighted Avg Shares Out | 26,920 | 30,673 | 32,290 | 36,351 |
| Weighted Avg Shares Out Dil | 28,202 | 31,921 | 33,483 | 37,736 |
| Supplemental Information | – | – | – | – |
| Interest Income | $0 | $0 | $0 | $0 |
| Interest Expense | -$290,442 | $194,779 | $115,887 | $76,509 |
| Depreciation & Amortization | $40,207 | $38,157 | $36,867 | $35,375 |
| EBITDA | $334,523 | $265,513 | $304,972 | $371,929 |
| % Margin | 12.6% | 12.5% | 17.6% | 30.8% |