Enova International, Inc.ENVAEarnings & Financial Report
Enova International, Inc. is a global fintech firm providing online financial solutions including short-term consumer loans and small business financing. It operates mainly across North America, South America and Europe, using advanced data analytics to assess creditworthiness and deliver tailored products to underserved borrower segments.
Revenue
$764.0M
Gross Profit
$441.5M
Operating Profit
$184.1M
Net Profit
$76.1M
Gross Margin
57.8%
Operating Margin
24.1%
Net Margin
10.0%
YoY Growth
21.6%
EPS
$2.86
Enova International, Inc. Q2 FY2025 Financial Summary
Enova International, Inc. reported revenue of $764.0M (up 21.6% YoY) for Q2 FY2025, with a net profit of $76.1M (up 41.2% YoY) (10.0% margin). Cost of goods sold was $322.6M, operating expenses totaled $257.4M.
Key Financial Metrics
| Total Revenue | $764.0M |
|---|---|
| Net Profit | $76.1M |
| Gross Margin | 57.8% |
| Operating Margin | 24.1% |
| Report Period | Q2 FY2025 |
Enova International, Inc. Annual Revenue by Year
Enova International, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $3.2B).
| Year | Annual Revenue |
|---|---|
| 2025 | $3.2B |
| 2024 | $2.7B |
| 2023 | $2.1B |
| 2022 | $1.7B |
Enova International, Inc. Quarterly Revenue & Net Profit History
Enova International, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $875.1M | +17.4% | $91.1M | 10.4% |
| Q4 FY2025 | $839.4M | +15.1% | $79.0M | 9.4% |
| Q3 FY2025 | $802.7M | +16.3% | $80.3M | 10.0% |
| Q2 FY2025 | $764.0M | +21.6% | $76.1M | 10.0% |
| Q1 FY2025 | $745.5M | +22.2% | $72.9M | 9.8% |
| Q4 FY2024 | $729.6M | +25.0% | $63.7M | 8.7% |
| Q3 FY2024 | $689.9M | +25.1% | $43.4M | 6.3% |
| Q2 FY2024 | $628.4M | +25.8% | $53.9M | 8.6% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $628.4M | $689.9M | $729.6M | $745.5M | $764.0M | $802.7M | $839.4M | $875.1M |
| YoY Growth | 25.8% | 25.1% | 25.0% | 22.2% | 21.6% | 16.3% | 15.1% | 17.4% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $4.82B | $4.98B | $5.27B | $5.46B | $5.72B | $5.96B | $6.47B | $6.88B |
| Liabilities | $3.67B | $3.80B | $4.07B | $4.26B | $4.50B | $4.68B | $5.13B | $5.48B |
| Equity | $1.15B | $1.18B | $1.20B | $1.20B | $1.23B | $1.28B | $1.34B | N/A |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $360.9M | $398.6M | $430.5M | $391.1M | $447.4M | $481.8M | $498.8M |