ENVA · XBRL financial data

Enova International financial statements, every fiscal year

The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

How these numbers work

Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
* marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
0 means a filing states zero; a dash (—) means no filing states that number.
“year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
Shares outstanding come from each filing's cover page, as of the date printed there.
Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

Fiscal years (ENVA's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Revenue	1,084	1,208	1,736	2,118	2,658	3,152
Gross profit	684	1,024	1,118	1,230	1,529	1,830
General and administrative	141	157	140	160	157	170
Total operating expenses	326	611	734	808	945	1,091
Operating income (loss)	358	413	384	422	585	739
Interest expense	87	77	116	195	290	339
Other income (expense)	(1)	(2)	(1)	(0)	(6)	(1)
Income tax expense (benefit)	57	80	65	52	62	93
Net income (loss)	378	256	207	175	209	308
Earnings per share, basic USD per share	11.85	7.05	6.42	5.71	7.78	12.25
Earnings per share, diluted USD per share	11.70	6.79	6.19	5.49	7.43	11.52
Weighted average shares, basic millions of shares	32	36	32	31	27	25
Weighted average shares, diluted millions of shares	32	38	33	32	28	27

Fiscal years (ENVA's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Cash and cash equivalents	297	165	100	54	74	72
Property and equipment, net	79	78	93	109	120	133
Right-of-use asset	40	23	19	14	18	17
Goodwill	268	279	279	279	279	279
Total assets	2,108	2,761	3,781	4,586	5,266	6,468
Total liabilities	1,189	1,668	2,595	3,345	4,069	5,132
Retained earnings	849	1,106	1,313	1,488	1,698	2,006
Total stockholders' equity	917	1,093	1,186	1,240	1,197	1,337
Total liabilities and equity	2,108	2,761	3,781	4,586	5,266	6,468
Common shares outstanding (cover page) millions of shares	36	33	32	28	26	25

Fiscal years (ENVA's year ends in late December)

In millions of dollars	FY 2020Dec 31, 2020	FY 2021Dec 31, 2021	FY 2022Dec 31, 2022	FY 2023Dec 31, 2023	FY 2024Dec 31, 2024	FY 2025Dec 31, 2025
Net income (loss)	378	256	207	175	209	308
Stock-based compensation	18	21	22	27	32	33
Net cash from operating activities	741	472	894	1,167	1,539	1,819
Purchases of property and equipment	29	30	—	—	—	—
Net cash from investing activities	84	(980)	(1,666)	(1,495)	(1,911)	(2,446)
Share repurchases	56	117	143	153	289	215
Net cash from financing activities	(536)	365	725	527	319	712
Net change in cash	288	(143)	(47)	199	(55)	85

SIC 6141 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen

SIC 6141 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
* marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.

Company	Cash ($M)	Revenue, quarter ($M)	Operating cash flow, quarter ($M)	Shares outstanding	Quarter
Enova International	106	1,009	536*	24.5M	Q3 FY26 10-QSep 30, 2026
Bread Financial Holdings	3,961	1,017	601*	38.0M	Q3 FY26 10-QSep 30, 2026
Atlanticus Holdings	555	744	277*	15.2M	Q2 FY26 10-QJun 30, 2026
Credit Acceptance	1.3	595	336*	10.1M	Q3 FY26 10-QSep 30, 2026
Happen	15	263	(692)*	115.2M	Q3 FY26 10-QSep 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.