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ENVA · NYSE · Financial - Credit Services

Enova International (ENVA)

Online consumer and small-business lender with proprietary automated underwriting.

$169.38

vs last close+0.40 (+0.24%)

In millions of USD, except per-share figures

In millions	Q3 FY23Sep 2023	Q4 FY23Dec 2023	Q1 FY24Mar 2024	Q2 FY24Jun 2024	Q3 FY24Sep 2024	Q4 FY24Dec 2024	Q1 FY25Mar 2025	Q2 FY25Jun 2025	Q3 FY25Sep 2025	Q4 FY25Dec 2025	Q1 FY26Mar 2026	Q2 FY26Jun 2026
Revenue	551	584	610	628	690	730	746	764	803	839	875	494
Cost of revenue	280	316	330	329	366	394	400	405	429	337	9	9
Gross profit	271	268	280	299	323	336	346	359	374	502	866	485
	167	170	149	154	170	181	174	175	177	315	656	248
Research & development	0	0	0	0	0	0	0	0	0	68	0	0
	154	171	150	160	180	189	182	183	187	239	237	248
Selling & marketing	117	122	111	121	141	151	139	143	147	192	189	204
General & administrative	38	49	40	40	39	38	42	41	40	47	48	44
Other expenses	13	−1	−1	−6	−10	−8	−8	−9	−10	9	419	0
Operating income	104	98	131	145	154	155	172	184	197	187	210	237
	−49	−56	−66	−71	−98	−78	−81	−83	−87	−88	−97	−97
Interest income	0	0	0	0	0	0	0	0	0	0	863	−863
Interest expense	0	0	0	0	0	0	81	0	0	89	94	−286
Other non-operating income	49	57	66	71	77	77	81	83	87	1	3	−3
Income before tax	55	42	65	74	55	77	91	101	110	99	113	140
Income tax expense	14	7	16	20	12	14	18	25	30	20	22	35
Net income from continuing operations	41	35	48	54	43	64	73	76	80	79	91	105
Net income	41	35	48	54	43	64	73	76	80	79	91	105
EPS, basic	$1.35	$1.17	$1.72	$2.00	$1.64	$2.44	$2.84	$3.01	$3.22	$3.19	$3.66	$4.22
EPS, diluted	$1.29	$1.13	$1.64	$1.93	$1.57	$2.30	$2.69	$2.86	$3.03	$3.00	$3.46	$3.99
Weighted average shares, basic	31	30	28	27	26	26	26	25	25	25	25	25
Weighted average shares, diluted	32	31	30	28	28	28	27	27	26	26	26	26
EBITDA	65	49	75	84	87	88	101	112	122	195	216	248
Depreciation & amortization	10	9	10	10	10	10	10	10	12	9	9	8
EBIT	55	40	65	74	77	78	91	101	110	185	207	240