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Enova International (ENVA) Financials

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$90.92 +1.81 (+2.03%)
As of 03:58 PM Eastern
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Annual Income Statements for Enova International

Annual Income Statements for Enova International

This table shows Enova International's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 44 35 29 70 37 378 256 207 175 209
Consolidated Net Income / (Loss)		 44 35 29 70 37 -284 256 207 175 209
Net Income / (Loss) Continuing Operations		 44 35 18 64 256 378 257 207 175 209
Total Pre-Tax Income 		71 57 20 69 170 435 337 273 227 271
Total Revenue		 653 746 706 868 1,099 1,084 1,131 1,620 1,923 2,367
Net Interest Income / (Expense)		 0.00 0.00 0.00 -79 -76 -87 -77 -116 -195 -290
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 79 76 87 77 116 195 290
Long-Term Debt Interest Expense		 - - - 79 76 87 77 116 195 290
Total Non-Interest Income		 653 746 706 948 1,175 -0.83 1,208 1,736 2,118 2,658
Other Non-Interest Income		 653 746 729 973 1,175 - 1,208 1,736 2,118 2,658
Total Non-Interest Expense		 581 690 687 797 927 141 795 1,352 1,696 2,073
Net Occupancy & Equipment Expense		 - 85 70 78 84 - 148 174 195 224
Marketing Expense		 117 97 77 96 115 - 271 383 414 524
Other Operating Expenses		 372 492 527 609 712 141 341 759 1,048 1,285
Depreciation Expense		 18 16 13 14 15 - 35 37 38 40
Nonoperating Income / (Expense), net		 -0.99 1.56 0.38 -2.32 -2.54 0.51 0.60 4.47 -0.28 -23
Income Tax Expense		 27 23 2.06 5.30 42 57 80 65 52 62
Basic Earnings per Share		 $1.33 $1.04 $0.87 $2.06 $1.09 $11.85 $7.05 $6.42 $5.71 $7.78
Weighted Average Basic Shares Outstanding		 33.01M 33.19M 33.52M 33.99M 33.72M 31.90M 36.35M 32.29M 30.67M 26.92M
Diluted Earnings per Share		 $1.33 $1.03 $0.86 $1.99 $1.06 $11.70 $6.79 $6.19 $5.49 $7.43
Weighted Average Diluted Shares Outstanding		 33.03M 33.46M 34.13M 35.18M 34.40M 32.30M 37.74M 33.48M 31.92M 28.20M
Weighted Average Basic & Diluted Shares Outstanding		 33.10M 33.30M 33.60M 34M 32.46M 36.29M 33.46M 31.55M 28.18M 25.79M

Quarterly Income Statements for Enova International

This table shows Enova International's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 52 51 51 48 41 35 48 54 43 64
Consolidated Net Income / (Loss)		 52 51 51 48 41 35 48 54 43 64
Net Income / (Loss) Continuing Operations		 52 51 51 48 41 35 48 54 43 64
Total Pre-Tax Income 		68 67 66 65 55 42 65 74 55 77
Total Revenue		 425 449 440 454 503 526 544 557 613 653
Net Interest Income / (Expense)		 -31 -38 -43 -46 -49 -57 -66 -71 -77 -77
Total Interest Expense		 31 38 43 46 49 57 66 71 77 77
Long-Term Debt Interest Expense		 31 38 43 46 49 57 66 71 77 77
Total Non-Interest Income		 456 486 483 499 551 584 610 628 690 730
Other Non-Interest Income		 456 486 483 499 551 584 610 628 690 730
Total Non-Interest Expense		 358 381 374 388 448 486 479 483 536 574
Net Occupancy & Equipment Expense		 46 45 49 47 52 47 54 55 57 58
Marketing Expense		 101 97 80 96 117 122 111 121 141 151
Other Operating Expenses		 199 231 235 236 269 308 304 298 328 355
Depreciation Expense		 11 8.50 11 8.63 9.95 9.03 10 9.71 10 10
Nonoperating Income / (Expense), net		 0.13 -0.60 -0.30 -1.24 0.15 1.11 -0.54 -0.54 -21 -0.81
Income Tax Expense		 16 16 15 17 14 6.86 16 20 12 14
Basic Earnings per Share		 $1.62 $1.62 $1.62 $1.55 $1.35 $1.19 $1.72 $2.00 $1.64 $2.42
Weighted Average Basic Shares Outstanding		 31.91M 32.29M 31.34M 31.08M 30.60M 30.67M 28.20M 26.94M 26.42M 26.92M
Diluted Earnings per Share		 $1.57 $1.56 $1.56 $1.50 $1.29 $1.14 $1.64 $1.93 $1.57 $2.29
Weighted Average Diluted Shares Outstanding		 32.97M 33.48M 32.71M 32.20M 31.90M 31.92M 29.50M 27.94M 27.71M 28.20M
Weighted Average Basic & Diluted Shares Outstanding		 31.46M 31.55M 31.21M 30.79M 29.87M 28.18M 27.12M 26.40M 26.21M 25.79M

Annual Cash Flow Statements for Enova International

This table details how cash moves in and out of Enova International's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 -33 17 32 -21 3.71 288 -143 -47 199 -55
Net Cash From Operating Activities		 284 393 447 685 849 741 472 894 1,167 1,539
Net Cash From Continuing Operating Activities		 284 393 394 603 805 741 470 894 1,167 1,539
Net Income / (Loss) Continuing Operations		 44 35 18 64 73 756 257 207 175 209
Consolidated Net Income / (Loss)		 44 35 18 70 165 756 257 207 175 209
Depreciation Expense		 18 16 13 14 15 20 35 37 38 40
Amortization Expense		 3.37 6.91 7.20 6.20 6.00 13 6.22 5.70 10 16
Non-Cash Adjustments to Reconcile Net Income		 226 321 371 519 584 89 210 653 913 1,287
Changes in Operating Assets and Liabilities, net		 -7.44 15 -15 0.71 0.98 376 -38 -8.59 30 -14
Net Cash From Investing Activities		 -372 -464 -525 -721 -941 84 -980 -1,666 -1,495 -1,911
Net Cash From Continuing Investing Activities		 -372 -464 -467 -648 -871 84 -980 -1,666 -1,495 -1,911
Purchase of Investment Securities		 -18 - - -1,453 0.00 80 -59 -44 -45 -43
Divestitures		 - - - - - 0.00 1.93 8.71 0.00 0.00
Other Investing Activities, net		 -323 -450 -454 820 -851 2.99 -923 -1,631 -1,449 -1,868
Net Cash From Financing Activities		 57 100 105 22 95 -536 365 725 527 319
Net Cash From Continuing Financing Activities		 57 100 105 22 95 -536 365 725 527 319
Issuance of Debt		 63 338 640 927 660 253 849 967 1,833 2,970
Repayment of Debt		 -5.00 -231 -516 -881 -531 -733 -377 -95 -1,136 -2,346
Repurchase of Common Equity		 -0.19 -0.44 -5.08 -17 -34 -56 -117 -143 -153 -289
Other Financing Activities, Net		 -1.60 -6.70 -15 -6.28 0.06 -0.20 9.23 -3.23 -17 -16
Effect of Exchange Rate Changes		 -1.41 -12 4.72 -7.27 0.98 -0.24 0.03 -0.08 0.29 -1.03

Quarterly Cash Flow Statements for Enova International

This table details how cash moves in and out of Enova International's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 -66 6.26 110 -27 -65 181 -149 42 -17 68
Net Cash From Operating Activities		 233 269 282 299 271 314 349 361 399 431
Net Cash From Continuing Operating Activities		 233 278 282 299 271 314 349 361 399 431
Net Income / (Loss) Continuing Operations		 52 51 51 48 41 35 48 54 43 64
Consolidated Net Income / (Loss)		 52 51 51 48 41 35 48 54 43 64
Depreciation Expense		 11 8.50 11 8.63 9.95 9.03 10 9.71 10 10
Amortization Expense		 1.47 1.70 1.82 2.36 2.55 3.39 3.93 3.04 5.04 3.77
Non-Cash Adjustments to Reconcile Net Income		 -240 631 23 -14 588 316 287 246 -388 1,142
Changes in Operating Assets and Liabilities, net		 408 -414 196 254 -371 -49 -1.05 48 728 -789
Net Cash From Investing Activities		 -474 -441 -205 -278 -445 -566 -443 -407 -482 -579
Net Cash From Continuing Investing Activities		 -474 -441 -205 -278 -445 -566 -443 -407 -482 -579
Purchase of Investment Securities		 -9.98 -10 -10 -10 -13 -12 -11 -11 -11 -10
Other Investing Activities, net		 -464 -431 -195 -268 -432 -554 -432 -396 -471 -569
Net Cash From Financing Activities		 199 179 34 -49 109 433 -54 89 67 217
Net Cash From Continuing Financing Activities		 199 179 34 -49 109 433 -54 89 67 217
Issuance of Debt		 223 236 338 293 495 706 400 918 856 796
Repayment of Debt		 -5.07 -37 -282 -312 -347 -195 -306 -760 -755 -525
Repurchase of Common Equity		 -20 -19 -22 -28 -36 -67 -151 -63 -23 -51
Other Financing Activities, Net		 0.33 -0.29 -1.17 -1.52 -2.41 -12 3.40 -5.73 -11 -2.67
Effect of Exchange Rate Changes		 0.55 -0.59 -0.15 0.62 -0.26 0.08 0.08 -0.93 0.05 -0.24

Annual Balance Sheets for Enova International

This table presents Enova International's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 841 978 1,159 1,334 1,574 2,108 2,761 3,781 4,586 5,266
Cash and Due from Banks		 42 40 69 28 36 297 165 100 54 74
Restricted Cash		 7.38 26 29 22 45 72 60 78 323 249
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 - - - 780 - - - 0.00 0.00 0.00
Premises and Equipment, Net		 48 47 49 46 55 79 78 93 109 120
Goodwill		 267 267 267 267 267 268 279 279 279 279
Intangible Assets		 6.54 5.40 4.33 3.26 2.19 26 35 27 19 11
Other Assets		 469 592 741 188 1,170 1,365 2,142 3,203 3,801 4,533
Total Liabilities & Shareholders' Equity		 841 978 1,159 1,334 1,574 2,108 2,761 3,781 4,586 5,266
Total Liabilities		 635 736 878 987 1,198 1,189 1,668 2,595 3,345 4,069
Long-Term Debt		 542 650 789 858 991 946 1,384 2,259 2,944 3,563
Other Long-Term Liabilities		 21 15 12 47 84 119 128 336 402 506
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 206 242 282 348 377 919 1,093 1,186 1,240 1,197
Total Preferred & Common Equity		 206 242 282 348 377 917 1,093 1,186 1,240 1,197
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 206 242 282 348 377 917 1,093 1,186 1,240 1,197
Common Stock		 9.92 18 30 48 64 188 226 252 284 328
Retained Earnings		 201 235 265 336 373 849 1,106 1,313 1,488 1,698
Treasury Stock		 -0.19 -0.62 -5.70 -23 -57 -113 -230 -373 -526 -815
Accumulated Other Comprehensive Income / (Loss)		 -4.62 -12 -7.09 -14 -3.07 -6.90 -8.54 -5.99 -6.26 -14

Quarterly Balance Sheets for Enova International

This table presents Enova International's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 3,509 3,847 3,908 4,103 4,637 4,817 4,976
Cash and Due from Banks		 88 98 100 63 76 60 68
Restricted Cash		 84 191 162 133 152 211 187
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 89 95 99 104 112 115 118
Goodwill		 279 279 279 279 279 279 279
Intangible Assets		 29 25 23 21 17 15 13
Other Assets		 2,939 3,159 3,245 3,503 4,000 4,136 4,311
Total Liabilities & Shareholders' Equity		 3,509 3,847 3,908 4,103 4,637 4,817 4,976
Total Liabilities		 2,363 2,626 2,659 2,842 3,486 3,670 3,797
Other Short-Term Payables		 169 178 229 275 291 334 260
Long-Term Debt		 2,060 2,314 2,297 2,443 3,041 3,194 3,294
Other Long-Term Liabilities		 135 134 132 124 155 141 244
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,146 1,221 1,249 1,261 1,150 1,148 1,179
Total Preferred & Common Equity		 1,146 1,221 1,249 1,261 1,150 1,148 1,179
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,146 1,221 1,249 1,261 1,150 1,148 1,179
Common Stock		 245 259 266 274 298 308 318
Retained Earnings		 1,262 1,364 1,412 1,454 1,537 1,591 1,634
Treasury Stock		 -354 -395 -423 -459 -677 -741 -764
Accumulated Other Comprehensive Income / (Loss)		 -7.26 -7.34 -5.99 -7.20 -7.23 -11 -9.42

Annual Metrics and Ratios for Enova International

This table displays calculated financial ratios and metrics derived from Enova International's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -19.42% 14.25% -5.31% 22.98% 26.59% -1.41% 4.40% 43.20% 18.68% 23.11%
EBITDA Growth		 -52.71% -15.99% -49.24% 130.32% 111.44% 403.74% -61.24% -17.85% -11.26% 27.07%
EBIT Growth		 -59.50% -21.86% -65.48% 269.06% 142.45% 446.39% -64.31% -20.34% -15.18% 29.42%
NOPAT Growth		 -60.06% -24.54% -48.69% 280.43% 97.72% 190.77% -32.07% -20.49% -14.06% 29.68%
Net Income Growth		 -60.61% -21.34% -15.50% 139.73% -47.77% -876.16% 190.19% -19.07% -15.57% 19.60%
EPS Growth		 -60.65% -22.56% -16.50% 131.40% -46.73% 1,003.77% -41.97% -8.84% -11.31% 35.34%
Operating Cash Flow Growth		 -33.96% 38.55% 13.68% 53.15% 23.92% -12.70% -36.31% 89.46% 30.52% 31.86%
Free Cash Flow Firm Growth		 -190.77% -99.75% -46.58% 56.77% 53.88% -272.13% -196.99% -114.69% 26.13% 38.10%
Invested Capital Growth		 15.38% 19.22% 20.03% 12.66% 13.44% 36.37% 32.82% 39.05% 21.46% 13.78%
Revenue Q/Q Growth		 -3.56% 3.76% -10.35% -4.08% 20.63% 4.96% 1.92% 6.86% 4.22% 5.63%
EBITDA Q/Q Growth		 -23.89% 11.28% -42.37% 24.79% 24.66% 302.82% -65.12% 0.87% -8.35% 12.68%
EBIT Q/Q Growth		 -28.55% 15.67% -60.37% 37.06% 27.39% 327.87% -67.63% 2.31% -10.73% 14.77%
NOPAT Q/Q Growth		 -28.89% 17.48% -44.71% 10.93% 28.88% 111.18% -41.45% 1.35% -9.03% 15.53%
Net Income Q/Q Growth		 -29.40% 15.08% -5.89% 2.62% -61.80% -394.17% 214.94% 1.42% -8.42% 16.02%
EPS Q/Q Growth		 -29.26% 13.19% -5.49% 1.53% -61.59% 247.18% -45.02% 4.38% -7.11% 18.31%
Operating Cash Flow Q/Q Growth		 2.25% 3.77% 10.70% 13.38% 3.17% -14.45% 6.57% 15.87% 4.03% 8.17%
Free Cash Flow Firm Q/Q Growth		 0.00% 30.12% -14.68% 65.86% -133.22% -342.17% -6.39% 3.97% -84.70% 38.96%
Invested Capital Q/Q Growth		 9.65% 2.69% 2.89% -7.52% 4.59% 29.79% 12.12% 7.46% 12.96% 6.44%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 14.29% 10.51% 5.63% 10.55% 17.62% 90.02% 33.42% 19.17% 14.34% 14.80%
EBIT Margin		 10.96% 7.49% 2.73% 8.20% 15.70% 87.03% 29.75% 16.55% 11.83% 12.43%
Profit (Net Income) Margin		 6.74% 4.64% 4.14% 8.07% 3.33% -26.22% 22.65% 12.80% 9.11% 8.85%
Tax Burden Percent		 62.38% 60.24% 148.65% 101.78% 21.53% -65.26% 76.02% 76.10% 77.06% 77.26%
Interest Burden Percent		 98.62% 102.80% 101.98% 96.74% 98.53% 46.17% 100.18% 101.67% 99.93% 92.11%
Effective Tax Rate		 37.62% 39.76% 10.46% 7.70% 24.73% 13.13% 23.75% 23.90% 22.94% 22.74%
Return on Invested Capital (ROIC)		 6.39% 4.11% 1.76% 5.77% 10.10% 23.37% 11.82% 6.89% 4.60% 5.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.27% 4.26% 3.42% 6.31% 0.00% -44.96% 11.79% 7.08% 4.59% 4.53%
Return on Net Nonoperating Assets (RNNOA)		 18.05% 11.35% 9.41% 16.50% 0.01% -67.24% 13.66% 11.31% 9.84% 12.10%
Return on Equity (ROE)		 24.44% 15.46% 11.17% 22.27% 10.11% -43.87% 25.48% 18.20% 14.44% 17.19%
Cash Return on Invested Capital (CROIC)		 -7.89% -13.43% -16.45% -6.13% -2.50% -7.41% -16.37% -25.78% -14.78% -7.80%
Operating Return on Assets (OROA)		 8.93% 6.15% 1.81% 5.71% 11.87% 51.22% 13.82% 8.20% 5.44% 5.97%
Return on Assets (ROA)		 5.50% 3.81% 2.74% 5.62% 2.52% -15.43% 10.53% 6.34% 4.19% 4.25%
Return on Common Equity (ROCE)		 24.44% 15.46% 11.17% 22.27% 10.11% -43.82% 25.46% 18.20% 14.44% 17.19%
Return on Equity Simple (ROE_SIMPLE)		 21.36% 14.32% 10.38% 20.16% 9.72% -30.98% 23.45% 17.49% 14.12% 17.50%
Net Operating Profit after Tax (NOPAT)		 45 34 17 66 130 378 257 204 175 227
NOPAT Margin		 6.84% 4.51% 2.45% 7.57% 11.82% 34.86% 22.68% 12.59% 9.12% 9.60%
Net Nonoperating Expense Percent (NNEP)		 0.12% -0.16% -1.66% -0.53% 10.09% 68.33% 0.03% -0.19% 0.01% 0.55%
SG&A Expenses to Revenue		 17.91% 24.49% 20.71% 20.08% 18.14% 0.00% 37.02% 34.33% 31.69% 31.59%
Operating Expenses to Revenue		 89.04% 92.51% 97.27% 91.80% 84.30% 12.97% 70.25% 83.45% 88.17% 87.57%
Earnings before Interest and Taxes (EBIT)		 72 56 19 71 173 943 337 268 227 294
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 93 78 40 92 194 976 378 311 276 350
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.06 1.72 1.81 1.92 2.16 0.96 1.36 1.02 1.33 2.10
Price to Tangible Book Value (P/TBV)		 0.00 0.00 49.16 8.61 7.56 1.42 1.92 1.37 1.76 2.77
Price to Revenue (P/Rev)		 0.33 0.56 0.72 0.77 0.74 0.82 1.32 0.75 0.86 1.06
Price to Earnings (P/E)		 4.96 12.05 17.40 9.52 22.19 2.34 5.84 5.82 9.44 12.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 20.17% 8.30% 5.75% 10.51% 4.51% 42.77% 17.13% 17.18% 10.59% 8.34%
Enterprise Value to Invested Capital (EV/IC)		 0.95 1.12 1.12 1.22 1.26 0.78 1.07 0.95 1.01 1.21
Enterprise Value to Revenue (EV/Rev)		 1.09 1.34 1.70 1.70 1.57 1.35 2.34 2.03 2.19 2.43
Enterprise Value to EBITDA (EV/EBITDA)		 7.62 12.77 30.15 16.10 8.90 1.50 7.01 10.58 15.31 16.42
Enterprise Value to EBIT (EV/EBIT)		 9.94 17.91 62.16 20.71 9.98 1.55 7.87 12.26 18.56 19.55
Enterprise Value to NOPAT (EV/NOPAT)		 15.93 29.72 69.42 22.44 13.26 3.87 10.33 16.11 24.07 25.30
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.50 2.54 2.68 2.15 2.03 1.97 5.62 3.68 3.62 3.74
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 2.63 2.69 2.80 2.47 2.63 1.03 1.27 1.90 2.37 2.98
Long-Term Debt to Equity		 2.63 2.69 2.80 2.47 2.63 1.03 1.27 1.90 2.37 2.98
Financial Leverage		 2.88 2.66 2.75 2.62 2.55 1.50 1.16 1.60 2.14 2.67
Leverage Ratio		 4.45 4.06 4.08 3.96 4.02 2.84 2.42 2.87 3.45 4.04
Compound Leverage Factor		 4.39 4.18 4.16 3.83 3.96 1.31 2.42 2.92 3.45 3.72
Debt to Total Capital		 72.46% 72.89% 73.68% 71.16% 72.47% 50.74% 55.88% 65.57% 70.36% 74.86%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 72.46% 72.89% 73.68% 71.16% 72.47% 50.74% 55.88% 65.57% 70.36% 74.86%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.08% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 27.54% 27.11% 26.32% 28.84% 27.53% 49.18% 44.12% 34.43% 29.64% 25.14%
Debt to EBITDA		 5.81 8.29 19.83 9.37 5.12 0.97 3.66 7.27 10.68 10.17
Net Debt to EBITDA		 5.28 7.45 17.36 8.82 4.70 0.59 3.06 6.70 9.31 9.25
Long-Term Debt to EBITDA		 5.81 8.29 19.83 9.37 5.12 0.97 3.66 7.27 10.68 10.17
Debt to NOPAT		 12.15 19.31 45.65 13.06 7.63 2.51 5.40 11.07 16.79 15.67
Net Debt to NOPAT		 11.04 17.34 39.97 12.29 7.01 1.53 4.51 10.20 14.64 14.25
Long-Term Debt to NOPAT		 12.15 19.31 45.65 13.06 7.63 2.51 5.40 11.07 16.79 15.67
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.11% 0.07% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -55 -110 -161 -70 -32 -120 -356 -763 -564 -349
Operating Cash Flow to CapEx		 880.62% 2,732.52% 2,936.71% 4,672.76% 4,230.08% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 -0.88 -0.43 -1.38 -4.65 -6.59 -2.89 -1.20
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 8.63 11.22 8.55 6.17 7.71 5.99 5.30
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 8.44 10.96 8.55 6.17 7.71 5.99 5.30
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.82 0.82 0.66 0.70 0.76 0.59 0.46 0.50 0.46 0.48
Fixed Asset Turnover		 15.91 15.67 14.77 18.36 21.85 16.18 14.34 18.88 19.05 20.71
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 748 892 1,070 1,206 1,368 1,865 2,477 3,445 4,184 4,760
Invested Capital Turnover		 0.93 0.91 0.72 0.76 0.85 0.67 0.52 0.55 0.50 0.53
Increase / (Decrease) in Invested Capital		 100 144 179 135 162 498 612 967 739 576
Enterprise Value (EV)		 711 1,001 1,199 1,475 1,723 1,462 2,650 3,287 4,220 5,753
Market Capitalization		 218 417 509 667 813 883 1,492 1,207 1,654 2,513
Book Value per Share		 $6.24 $7.28 $8.42 $10.15 $11.15 $25.72 $30.01 $37.70 $41.52 $45.67
Tangible Book Value per Share		 ($2.05) ($0.92) $0.31 $2.26 $3.18 $17.48 $21.37 $27.96 $31.53 $34.60
Total Capital		 748 892 1,070 1,206 1,368 1,865 2,477 3,445 4,184 4,760
Total Debt		 542 650 789 858 991 946 1,384 2,259 2,944 3,563
Total Long-Term Debt		 542 650 789 858 991 946 1,384 2,259 2,944 3,563
Net Debt		 492 584 690 808 910 577 1,159 2,080 2,566 3,241
Capital Expenditures (CapEx)		 32 14 15 15 20 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.61 -0.94 -12 -4.39 93 662 0.31 -3.40 0.22 18
Net Nonoperating Obligations (NNO)		 542 650 789 858 991 946 1,384 2,259 2,944 3,563
Total Depreciation and Amortization (D&A)		 22 22 20 20 21 32 42 43 48 56
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.33 $1.04 $0.87 $2.06 $1.09 $11.85 $7.05 $6.42 $5.71 $7.78
Adjusted Weighted Average Basic Shares Outstanding		 33.01M 33.19M 33.52M 33.99M 33.72M 31.90M 36.35M 32.29M 30.67M 26.92M
Adjusted Diluted Earnings per Share		 $1.33 $1.03 $0.86 $1.99 $1.06 $11.70 $6.79 $6.19 $5.49 $7.43
Adjusted Weighted Average Diluted Shares Outstanding		 33.03M 33.46M 34.13M 35.18M 34.40M 32.30M 37.74M 33.48M 31.92M 28.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.09 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 33.15M 33.29M 33.65M 33.49M 32.46M 36.29M 33.46M 31.55M 28.18M 25.79M
Normalized Net Operating Profit after Tax (NOPAT)		 91 34 17 66 130 378 257 204 175 227
Normalized NOPAT Margin		 13.91% 4.51% 2.45% 7.57% 11.82% 34.86% 22.68% 12.59% 9.12% 9.60%
Pre Tax Income Margin		 10.81% 7.70% 2.79% 7.93% 15.47% 40.18% 29.80% 16.82% 11.82% 11.45%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.90 2.28 10.88 4.40 2.31 1.17 1.01
NOPAT to Interest Expense		 0.00 0.00 0.00 0.83 1.72 4.36 3.35 1.76 0.90 0.78
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.71 2.02 10.88 4.40 2.31 1.17 1.01
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.64 1.45 4.36 3.35 1.76 0.90 0.78
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.43% 1.26% 17.37% 24.70% 92.25% -19.85% 45.52% 68.97% 87.47% 138.12%

Quarterly Metrics and Ratios for Enova International

This table displays calculated financial ratios and metrics derived from Enova International's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 40.82% 30.19% 21.11% 18.49% 18.20% 17.34% 23.72% 22.83% 21.95% 23.96%
EBITDA Growth		 1.85% 3.56% -0.77% 4.75% -15.88% -32.22% 1.38% 12.80% 35.99% 74.54%
EBIT Growth		 -0.69% 9.82% -3.39% 2.29% -18.53% -40.36% -1.14% 12.26% 39.49% 93.64%
NOPAT Growth		 0.22% 5.51% -2.90% 1.26% -20.22% -34.07% -4.55% 10.68% 45.98% 90.18%
Net Income Growth		 -0.19% 6.06% -2.90% -8.12% -20.16% -31.66% -4.90% 11.98% 5.16% 83.20%
EPS Growth		 15.44% 20.00% 4.00% -3.85% -17.83% -26.92% 5.13% 28.67% 21.71% 100.88%
Operating Cash Flow Growth		 121.13% 83.45% 83.68% 25.43% 16.57% 16.78% 23.60% 20.59% 46.94% 36.98%
Free Cash Flow Firm Growth		 -31.01% -62.56% 15.75% 29.41% 51.63% 23.00% 14.40% -35.08% -55.09% 27.40%
Invested Capital Growth		 45.08% 39.05% 27.41% 20.27% 15.53% 21.46% 18.56% 22.43% 20.75% 13.78%
Revenue Q/Q Growth		 11.03% 5.49% -1.94% 3.16% 10.76% 4.72% 3.40% 2.42% 9.96% 6.45%
EBITDA Q/Q Growth		 9.28% -3.00% 0.50% -1.67% -12.24% -21.85% 50.49% 9.41% 5.80% 0.30%
EBIT Q/Q Growth		 4.73% 0.19% -2.62% 0.10% -16.58% -26.66% 61.65% 13.66% 3.66% 1.82%
NOPAT Q/Q Growth		 6.50% -0.53% -0.33% -4.09% -16.09% -17.80% 44.50% 11.21% 10.67% 7.09%
Net Income Q/Q Growth		 -1.32% -1.62% 0.10% -5.46% -14.25% -15.79% 39.29% 11.32% -19.47% 46.72%
EPS Q/Q Growth		 0.64% -0.64% 0.00% -3.85% -14.00% -11.63% 43.86% 17.68% -18.65% 45.86%
Operating Cash Flow Q/Q Growth		 -2.49% 15.67% 4.78% 6.14% -9.38% 15.87% 10.91% 3.55% 10.42% 8.02%
Free Cash Flow Firm Q/Q Growth		 -21.56% 3.02% 22.57% 22.66% 16.72% -54.40% 13.93% -22.05% 4.38% 27.73%
Invested Capital Q/Q Growth		 8.72% 7.46% 2.62% 0.32% 4.44% 12.96% 0.17% 3.59% 3.01% 6.44%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 18.89% 17.37% 17.80% 16.97% 13.44% 10.03% 14.59% 15.58% 14.99% 14.12%
EBIT Margin		 15.89% 15.09% 14.99% 14.55% 10.95% 7.67% 11.98% 13.29% 12.53% 11.98%
Profit (Net Income) Margin		 12.16% 11.34% 11.58% 10.61% 8.21% 6.60% 8.90% 9.67% 7.08% 9.76%
Tax Burden Percent		 76.50% 76.02% 77.58% 74.33% 74.78% 83.52% 74.90% 73.29% 78.24% 82.30%
Interest Burden Percent		 100.01% 98.82% 99.53% 98.12% 100.26% 103.07% 99.17% 99.27% 72.24% 98.96%
Effective Tax Rate		 23.50% 23.98% 22.42% 25.67% 25.22% 16.48% 25.10% 26.71% 21.76% 17.70%
Return on Invested Capital (ROIC)		 6.79% 6.26% 6.25% 5.88% 4.37% 3.24% 4.71% 5.26% 5.37% 5.22%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.80% 6.24% 6.24% 5.84% 4.38% 3.28% 4.69% 5.25% 4.79% 5.20%
Return on Net Nonoperating Assets (RNNOA)		 9.35% 9.97% 10.89% 10.25% 8.19% 7.03% 10.60% 12.02% 11.27% 13.89%
Return on Equity (ROE)		 16.14% 16.23% 17.15% 16.14% 12.56% 10.27% 15.31% 17.29% 16.64% 19.11%
Cash Return on Invested Capital (CROIC)		 -29.36% -25.78% -17.68% -12.15% -8.84% -14.78% -12.50% -15.65% -13.99% -7.80%
Operating Return on Assets (OROA)		 8.06% 7.48% 7.38% 7.18% 5.31% 3.53% 5.72% 6.49% 6.19% 5.76%
Return on Assets (ROA)		 6.17% 5.62% 5.70% 5.24% 3.98% 3.04% 4.25% 4.72% 3.50% 4.69%
Return on Common Equity (ROCE)		 16.14% 16.23% 17.15% 16.14% 12.56% 10.27% 15.31% 17.29% 16.64% 19.11%
Return on Equity Simple (ROE_SIMPLE)		 17.84% 0.00% 16.87% 16.14% 15.16% 0.00% 15.01% 15.55% 15.32% 0.00%
Net Operating Profit after Tax (NOPAT)		 52 51 51 49 41 34 49 54 60 64
NOPAT Margin		 12.13% 11.44% 11.63% 10.81% 8.19% 6.43% 8.97% 9.74% 9.80% 9.86%
Net Nonoperating Expense Percent (NNEP)		 -0.01% 0.03% 0.01% 0.04% -0.01% -0.04% 0.02% 0.01% 0.58% 0.02%
SG&A Expenses to Revenue		 34.62% 31.49% 29.31% 31.49% 33.46% 32.16% 30.30% 31.52% 32.25% 32.12%
Operating Expenses to Revenue		 84.11% 84.91% 85.01% 85.46% 89.05% 92.33% 88.02% 86.71% 87.47% 88.02%
Earnings before Interest and Taxes (EBIT)		 68 68 66 66 55 40 65 74 77 78
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 80 78 78 77 68 53 79 87 92 92
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 1.02 1.15 1.33 1.24 1.33 1.63 1.47 1.88 2.10
Price to Tangible Book Value (P/TBV)		 1.12 1.37 1.53 1.75 1.63 1.76 2.20 1.98 2.50 2.77
Price to Revenue (P/Rev)		 0.62 0.75 0.83 0.94 0.85 0.86 0.93 0.79 0.99 1.06
Price to Earnings (P/E)		 4.58 5.82 6.81 8.22 8.19 9.44 10.87 9.46 12.25 12.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 21.82% 17.18% 14.69% 12.16% 12.21% 10.59% 9.20% 10.57% 8.16% 8.34%
Enterprise Value to Invested Capital (EV/IC)		 0.88 0.95 0.97 1.04 1.03 1.01 1.12 1.06 1.17 1.21
Enterprise Value to Revenue (EV/Rev)		 1.86 2.03 2.02 2.09 2.07 2.19 2.31 2.16 2.34 2.43
Enterprise Value to EBITDA (EV/EBITDA)		 9.17 10.58 11.06 11.78 12.67 15.31 16.94 16.09 16.89 16.42
Enterprise Value to EBIT (EV/EBIT)		 10.78 12.26 12.90 13.82 14.97 18.56 20.69 19.65 20.48 19.55
Enterprise Value to NOPAT (EV/NOPAT)		 14.03 16.11 16.93 18.18 19.78 24.07 27.11 25.87 26.68 25.30
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.66 3.68 3.35 3.41 3.40 3.62 3.80 3.56 3.69 3.74
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.80 1.90 1.90 1.84 1.94 2.37 2.64 2.78 2.79 2.98
Long-Term Debt to Equity		 1.80 1.90 1.90 1.84 1.94 2.37 2.64 2.78 2.79 2.98
Financial Leverage		 1.37 1.60 1.75 1.76 1.87 2.14 2.26 2.29 2.35 2.67
Leverage Ratio		 2.62 2.87 3.00 3.04 3.16 3.45 3.58 3.64 3.72 4.04
Compound Leverage Factor		 2.62 2.84 2.99 2.98 3.17 3.55 3.55 3.61 2.69 4.00
Debt to Total Capital		 64.25% 65.57% 65.47% 64.77% 65.95% 70.36% 72.56% 73.57% 73.65% 74.86%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 64.25% 65.57% 65.47% 64.77% 65.95% 70.36% 72.56% 73.57% 73.65% 74.86%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 35.75% 34.43% 34.53% 35.23% 34.05% 29.64% 27.44% 26.43% 26.35% 25.14%
Debt to EBITDA		 6.69 7.27 7.46 7.33 8.12 10.68 10.99 11.15 10.59 10.17
Net Debt to EBITDA		 6.13 6.70 6.53 6.49 7.47 9.31 10.16 10.20 9.78 9.25
Long-Term Debt to EBITDA		 6.69 7.27 7.46 7.33 8.12 10.68 10.99 11.15 10.59 10.17
Debt to NOPAT		 10.23 11.07 11.43 11.31 12.67 16.79 17.58 17.92 16.74 15.67
Net Debt to NOPAT		 9.38 10.20 10.01 10.02 11.66 14.64 16.26 16.40 15.44 14.25
Long-Term Debt to NOPAT		 10.23 11.07 11.43 11.31 12.67 16.79 17.58 17.92 16.74 15.67
Noncontrolling Interest Sharing Ratio		 0.06% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -945 -916 -709 -549 -457 -705 -607 -741 -709 -512
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -30.54 -24.41 -16.37 -12.03 -9.39 -12.33 -9.26 -10.44 -9.21 -6.65
Operating Cash Flow to Interest Expense		 7.52 7.17 6.51 6.57 5.57 5.49 5.31 5.09 5.18 5.59
Operating Cash Flow Less CapEx to Interest Expense		 7.52 7.17 6.51 6.57 5.57 5.49 5.31 5.09 5.18 5.59
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.51 0.50 0.49 0.49 0.48 0.46 0.48 0.49 0.49 0.48
Fixed Asset Turnover		 17.78 18.88 19.23 18.83 19.09 19.05 19.58 19.90 20.20 20.71
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 3,206 3,445 3,535 3,546 3,704 4,184 4,191 4,342 4,472 4,760
Invested Capital Turnover		 0.56 0.55 0.54 0.54 0.53 0.50 0.52 0.54 0.55 0.53
Increase / (Decrease) in Invested Capital		 996 967 760 598 498 739 656 795 769 576
Enterprise Value (EV)		 2,824 3,287 3,428 3,693 3,813 4,220 4,689 4,611 5,251 5,753
Market Capitalization		 937 1,207 1,402 1,658 1,566 1,654 1,877 1,688 2,212 2,513
Book Value per Share		 $35.81 $37.70 $38.69 $40.03 $40.96 $41.52 $40.79 $42.31 $44.65 $45.67
Tangible Book Value per Share		 $26.16 $27.96 $29.05 $30.34 $31.21 $31.53 $30.29 $31.46 $33.58 $34.60
Total Capital		 3,206 3,445 3,535 3,546 3,704 4,184 4,191 4,342 4,472 4,760
Total Debt		 2,060 2,259 2,314 2,297 2,443 2,944 3,041 3,194 3,294 3,563
Total Long-Term Debt		 2,060 2,259 2,314 2,297 2,443 2,944 3,041 3,194 3,294 3,563
Net Debt		 1,887 2,080 2,026 2,035 2,246 2,566 2,812 2,923 3,039 3,241
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 -0.10 0.46 0.24 0.92 -0.12 -0.93 0.40 0.40 17 0.67
Net Nonoperating Obligations (NNO)		 2,060 2,259 2,314 2,297 2,443 2,944 3,041 3,194 3,294 3,563
Total Depreciation and Amortization (D&A)		 13 10 12 11 13 12 14 13 15 14
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.62 $1.62 $1.62 $1.55 $1.35 $1.19 $1.72 $2.00 $1.64 $2.42
Adjusted Weighted Average Basic Shares Outstanding		 31.91M 32.29M 31.34M 31.08M 30.60M 30.67M 28.20M 26.94M 26.42M 26.92M
Adjusted Diluted Earnings per Share		 $1.57 $1.56 $1.56 $1.50 $1.29 $1.14 $1.64 $1.93 $1.57 $2.29
Adjusted Weighted Average Diluted Shares Outstanding		 32.97M 33.48M 32.71M 32.20M 31.90M 31.92M 29.50M 27.94M 27.71M 28.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.46M 31.55M 31.21M 30.79M 29.87M 28.18M 27.12M 26.40M 26.21M 25.79M
Normalized Net Operating Profit after Tax (NOPAT)		 52 51 51 49 41 34 49 54 60 64
Normalized NOPAT Margin		 12.13% 11.44% 11.63% 10.81% 8.19% 6.43% 8.97% 9.74% 9.80% 9.86%
Pre Tax Income Margin		 15.89% 14.92% 14.92% 14.27% 10.98% 7.91% 11.88% 13.20% 9.05% 11.86%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.19 1.80 1.52 1.45 1.13 0.71 0.99 1.04 1.00 1.02
NOPAT to Interest Expense		 1.67 1.37 1.18 1.08 0.85 0.59 0.74 0.77 0.78 0.84
EBIT Less CapEx to Interest Expense		 2.19 1.80 1.52 1.45 1.13 0.71 0.99 1.04 1.00 1.02
NOPAT Less CapEx to Interest Expense		 1.67 1.37 1.18 1.08 0.85 0.59 0.74 0.77 0.78 0.84
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 108.00% 68.97% 41.87% 44.02% 55.14% 87.47% 163.74% 178.18% 168.85% 138.12%

Frequently Asked Questions About Enova International's Financials

When does Enova International's fiscal year end?

According to the most recent income statement we have on file, Enova International's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Enova International's net income changed over the last 9 years?

Enova International's net income appears to be on an upward trend, with a most recent value of $209.45 million in 2024, rising from $43.99 million in 2015. The previous period was $175.12 million in 2023.

How has Enova International revenue changed over the last 9 years?

Over the last 9 years, Enova International's total revenue changed from $652.60 million in 2015 to $2.37 billion in 2024, a change of 262.8%.

How much debt does Enova International have?

Enova International's total liabilities were at $4.07 billion at the end of 2024, a 21.6% increase from 2023, and a 541.3% increase since 2015.

How much cash does Enova International have?

In the past 9 years, Enova International's cash and equivalents has ranged from $28.11 million in 2018 to $297.27 million in 2020, and is currently $73.91 million as of their latest financial filing in 2024.

How has Enova International's book value per share changed over the last 9 years?

Over the last 9 years, Enova International's book value per share changed from 6.24 in 2015 to 45.67 in 2024, a change of 631.8%.

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This page (NYSE:ENVA) was last updated on 4/14/2025 by MarketBeat.com Staff
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