Enova International, Inc.
About Enova International, Inc.
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
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Financial summary
- Revenue FY2025
- $3.2B
- Net income
- $308.4M
- Total assets
- $6.5B
- Market cap
- $4.2B
- Gross margin
- 58.1%
- Operating margin
- 23.5%
- Net margin
- 9.8%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $3.2B
- Cost of revenue
- $1.3B
- Gross profit
- $1.8B
- Operating expenses
- $1.1B
- Operating income
- $739.4M
- Income tax
- $92.6M
- Net income
- $308.4M
- EPS (basic)
- $12.25
- EPS (diluted)
- $11.52
Balance sheet
- Total assets
- $6.5B
- Current assets
- $6.5B
- Total liabilities
- $5.1B
- Current liabilities
- $5.1B
- Shareholders’ equity
- $1.3B
Cash flow
- Operating cash flow
- $1.8B
- Investing cash flow
- -$2.4B
- Financing cash flow
- $711.8M
- Net cash flow
- $85.2M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $4.2B
- P/E ratio
- 14.9
- EPS (diluted)
- $11.52
- Shares outstanding
- 24.5M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Oct 30, 2014
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $308.4M in FY2025.
- Revenue grew 161% from FY2021 to FY2025.
- Gross margin of 58.1%, net margin 9.8%.
- Trading near its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 14.9.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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