Enova International, Inc.
Company Stats
- Market Cap
- $4.2B
- as of Sep 30, 2026
- Enterprise Value
- $8.6B
- Shares Outstanding
- 24.9M
- Free Float
- 72.0%
Income Statement
- Revenue
- $3.2B
- Operating Income
- $739.4M
- Net Income
- $308.4M
- EBITDA
- $773.9M
- Revenue Growth, 3Y
- 22.0%
- FCF Margin, 3Y Avg
- 55.1%
- FCF Margin, Worst Year
- 53.0%
Cash Flow
- Free Cash Flow
- $1.8B
- FCF Yield
- 42.6%
- Owner FCF Yield
- 41.8%
Balance Sheet
- Cash & Equivalents
- $71.7M
- Total Debt
- $4.5B
- Net Debt
- $4.5B
- Net Debt / EBITDA
- 5.75x
- EV / EBITDA
- 11.13x
- Net Debt / EBIT
- 6.02x
Returns & Capital
- Share Repurchases
- $214.6M
- Buyback Yield, 3Y Avg
- 5.3%
- SBC, 3Y Avg
- $30.6M
Cash Flow by Year
| Year | Revenue | FCF | Margin |
|---|---|---|---|
| FY2025 | $3.2B | $1.8B | 56.2% |
| FY2024 | $2.7B | $1.5B | 56.3% |
| FY2023 | $2.1B | $1.1B | 53.0% |
| FY2022 | $1.7B | $850.4M | 49.0% |
| FY2021 | $1.2B | $442.2M | 36.6% |
Annual filing data through FY ended December 31, 2025; shares and float as of October 31, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.
Stronger demand supports expansion as pricing diverges
Financial Services Earnings: Demand Strong, Costs Bite Back