Enova Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Enova International
ENVA Stock  USD 93.12  0.05  0.05%   
Enova International financial statements provide useful quarterly and yearly information to potential Enova International investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Enova International financial statements helps investors assess Enova International's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Enova International's valuation are summarized below:
Gross Profit
1 B
Profit Margin
0.1691
Market Capitalization
2.4 B
Enterprise Value Revenue
2.2293
Revenue
1.2 B
We have found one hundred twenty available fundamental signals for Enova International, which can be analyzed and compared to other ratios and to its rivals. All investors should make sure to verify all of Enova International prevailing market performance against the performance between 2010 and 2025 to make sure the company can sustain itself down the road.

Enova International Total Revenue

2.79 Billion

Check Enova International financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Enova International's main balance sheet or income statement drivers, such as Depreciation And Amortization of 38.2 M, Interest Expense of 305 M or Selling General Administrative of 124.6 M, as well as many indicators such as Price To Sales Ratio of 1.73, Dividend Yield of 0.14 or PTB Ratio of 2.05. Enova financial statements analysis is a perfect complement when working with Enova International Valuation or Volatility modules.
  
Check out the analysis of Enova International Correlation against competitors.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.

Enova International Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets5.5 B5.3 B2.1 B
Slightly volatile
Short and Long Term Debt Total3.8 B3.6 B1.3 B
Slightly volatile
Total Stockholder Equity1.3 B1.2 B554.1 M
Slightly volatile
Property Plant And Equipment Net73.7 M138.2 M69.6 M
Slightly volatile
Net Debt3.7 B3.5 B1.2 B
Slightly volatile
Retained Earnings1.8 B1.7 B635.4 M
Slightly volatile
Cash81.6 M73.9 M78.1 M
Slightly volatile
Non Current Assets Total398 M460.5 M368.7 M
Slightly volatile
Other Assets5 B4.7 B1.3 B
Slightly volatile
Cash And Short Term Investments81.6 M73.9 M78.1 M
Slightly volatile
Good Will291.2 M321.2 M269.6 M
Slightly volatile
Common Stock Shares Outstanding26.6 M28.2 M32.8 M
Slightly volatile
Liabilities And Stockholders Equity5.5 B5.3 B2.1 B
Slightly volatile
Non Current Liabilities Total3.8 B3.6 B1.3 B
Slightly volatile
Total Liabilities4.3 B4.1 B1.5 B
Slightly volatile
Property Plant And Equipment Gross293.4 M279.4 M100.4 M
Slightly volatile
Total Current Assets70.2 M73.9 M1.1 B
Slightly volatile
Intangible Assets9.9 M11 M9.6 M
Slightly volatile
Total Current Liabilities507.5 M483.3 M200.5 M
Slightly volatile
Accounts Payable67.9 M59 M59.1 M
Slightly volatile
Other Liabilities125.8 M119.8 M53.6 M
Slightly volatile
Long Term Debt3.5 B3.3 B1.3 B
Slightly volatile
Net Receivables4.4 B4.2 B1.5 B
Slightly volatile
Short Term Debt245 M233.3 M145.1 M
Slightly volatile
Property Plant Equipment63.7 M107.2 M61.5 M
Slightly volatile
Long Term Investments3.6 B3.5 B1.2 B
Slightly volatile
Short and Long Term Debt131.6 M210 M256.3 M
Slightly volatile
Long Term Debt Total2.7 B2.6 B1.2 B
Slightly volatile
Capital Surpluse304.1 M289.7 M108.2 M
Slightly volatile
Net Invested Capital2.8 B4.8 B1.9 B
Slightly volatile
Net Working Capital2.4 B4.3 B1.6 B
Slightly volatile
Capital Lease Obligations31.7 M32.2 M36.9 M
Very volatile
Non Current Liabilities Other35.6 M30.2 M37.4 M
Very volatile

Enova International Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization38.2 M40.2 M191 M
Slightly volatile
Interest Expense305 M290.4 M114.8 M
Slightly volatile
Selling General Administrative124.6 M156.5 M115.4 M
Slightly volatile
Selling And Marketing Expenses549.7 M523.6 M202.8 M
Slightly volatile
Total Revenue2.8 B2.7 B1.2 B
Slightly volatile
Gross Profit1.3 B1.2 B625.5 M
Slightly volatile
Other Operating Expenses2.2 B2.1 B931.4 M
Slightly volatile
Operating Income614 M584.8 M260.1 M
Slightly volatile
EBITDA247.4 M334.5 M226.1 M
Slightly volatile
Total Operating Expenses377.4 M654.2 M365.3 M
Slightly volatile
Income Before Tax170 M271.1 M162.7 M
Slightly volatile
Net Income127.9 M209.4 M122.7 M
Slightly volatile
Income Tax Expense42 M61.7 M39.9 M
Slightly volatile
Cost Of Revenue1.5 B1.4 B582.8 M
Slightly volatile
Net Income Applicable To Common Shares130.5 M238.5 M124.9 M
Slightly volatile
Net Income From Continuing Ops166.1 M209.4 M142.1 M
Slightly volatile
Tax Provision47.5 M61.7 M38.2 M
Slightly volatile
Interest Income76.8 M87.2 M67.9 M
Slightly volatile
Reconciled Depreciation29.5 M40.2 M21.5 M
Slightly volatile

Enova International Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation33.4 M31.8 M13 M
Slightly volatile
Free Cash Flow1.6 B1.5 B645.8 M
Slightly volatile
Begin Period Cash Flow396.3 M377.4 M130.6 M
Slightly volatile
Depreciation22.4 M40.2 M21.2 M
Slightly volatile
Other Non Cash Items1.2 B1.2 B494.2 M
Slightly volatile
Capital Expenditures25.7 M43.4 M24.2 M
Slightly volatile
Total Cash From Operating Activities1.6 B1.5 B671.2 M
Slightly volatile
Net Income121.7 M209.4 M116.7 M
Slightly volatile
End Period Cash Flow338.8 M322.7 M147.4 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.730.97111.4015
Slightly volatile
Dividend Yield0.140.150.1639
Slightly volatile
PTB Ratio2.052.15644.6254
Slightly volatile
Days Sales Outstanding315570345
Slightly volatile
Book Value Per Share46.6944.462317.8949
Slightly volatile
Free Cash Flow Yield0.510.57930.6533
Pretty Stable
Operating Cash Flow Per Share60.0157.153621.7709
Slightly volatile
Stock Based Compensation To Revenue0.00670.0120.0088
Slightly volatile
Capex To Depreciation1.321.081.1933
Pretty Stable
PB Ratio2.052.15644.6254
Slightly volatile
EV To Sales2.812.29622.3701
Slightly volatile
Free Cash Flow Per Share58.3255.540620.9593
Slightly volatile
ROIC1.671.5880.3395
Slightly volatile
Net Income Per Share8.177.78044.0799
Slightly volatile
Payables Turnover13.3524.067716.6464
Very volatile
Sales General And Administrative To Revenue0.05590.05890.1517
Slightly volatile
Capex To Revenue0.01550.01630.0288
Slightly volatile
Cash Per Share1.822.74552.3521
Slightly volatile
POCF Ratio2.281.67761.9612
Slightly volatile
Payout Ratio0.880.991.0758
Slightly volatile
Capex To Operating Cash Flow0.05230.02820.0472
Slightly volatile
PFCF Ratio2.411.72632.0721
Slightly volatile
Days Payables Outstanding29.615.165526.2478
Very volatile
Income Quality8.837.34598.0334
Very volatile
ROE0.170.1750.3313
Slightly volatile
EV To Operating Cash Flow4.023.96653.5704
Pretty Stable
PE Ratio15.7612.323313.0741
Slightly volatile
Return On Tangible Assets0.040.04210.1027
Slightly volatile
EV To Free Cash Flow4.244.08173.7654
Pretty Stable
Earnings Yield0.10.08110.1297
Slightly volatile
Intangibles To Total Assets0.05240.05510.2465
Slightly volatile
Net Debt To EBITDA11.0510.52765.106
Slightly volatile
Current Ratio0.150.15297.6542
Slightly volatile
Receivables Turnover0.630.661.4201
Slightly volatile
Graham Number92.6488.224239.4538
Slightly volatile
Shareholders Equity Per Share46.6944.462317.892
Slightly volatile
Debt To Equity3.513.00413.199
Slightly volatile
Capex Per Share1.691.6130.8116
Slightly volatile
Revenue Per Share10498.729637.9469
Slightly volatile
Interest Debt Per Share12912344.0593
Slightly volatile
Debt To Assets0.70.68280.6448
Slightly volatile
Enterprise Value Over EBITDA19.1618.24349.8135
Slightly volatile
Short Term Coverage Ratios6.266.593958.2437
Very volatile
Price Earnings Ratio15.7612.323313.0741
Slightly volatile
Price Book Value Ratio2.052.15644.6254
Slightly volatile
Days Of Payables Outstanding29.615.165526.2478
Very volatile
Dividend Payout Ratio0.880.991.0758
Slightly volatile
Price To Operating Cash Flows Ratio2.281.67761.9612
Slightly volatile
Price To Free Cash Flows Ratio2.411.72632.0721
Slightly volatile
Pretax Profit Margin0.180.1020.1638
Very volatile
Ebt Per Ebit0.620.46360.7998
Pretty Stable
Operating Profit Margin0.40.220.3193
Slightly volatile
Effective Tax Rate0.320.22740.2837
Slightly volatile
Company Equity Multiplier5.274.39974.7934
Slightly volatile
Long Term Debt To Capitalization0.790.73560.7247
Slightly volatile
Total Debt To Capitalization0.80.75030.7288
Slightly volatile
Return On Capital Employed0.120.12230.254
Slightly volatile
Debt Equity Ratio3.513.00413.199
Slightly volatile
Ebit Per Revenue0.40.220.3193
Slightly volatile
Dividend Paid And Capex Coverage Ratio18.9135.433123.7473
Slightly volatile
Net Income Per E B T0.570.77260.7092
Slightly volatile
Cash Ratio0.150.15290.8843
Slightly volatile
Operating Cash Flow Sales Ratio0.720.57890.6284
Slightly volatile
Days Of Sales Outstanding315570345
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.760.97180.9411
Pretty Stable
Cash Flow Coverage Ratios0.720.42790.6434
Slightly volatile
Price To Book Ratio2.052.15644.6254
Slightly volatile
Fixed Asset Turnover11.7819.237515.0636
Pretty Stable
Capital Expenditure Coverage Ratio20.3435.433125.628
Pretty Stable
Price Cash Flow Ratio2.281.67761.9612
Slightly volatile
Enterprise Value Multiple19.1618.24349.8135
Slightly volatile
Debt Ratio0.70.68280.6448
Slightly volatile
Cash Flow To Debt Ratio0.720.42790.6434
Slightly volatile
Price Sales Ratio1.730.97111.4015
Slightly volatile
Return On Assets0.03780.03980.0725
Pretty Stable
Asset Turnover0.740.50470.6892
Slightly volatile
Net Profit Margin0.0960.07880.1163
Very volatile
Gross Profit Margin0.590.46620.5463
Very volatile
Price Fair Value2.052.15644.6254
Slightly volatile
Return On Equity0.170.1750.3313
Slightly volatile

Enova Fundamental Market Drivers

Forward Price Earnings8.4602
Cash And Short Term Investments73.9 M

Enova Upcoming Events

30th of January 2024
Upcoming Quarterly Report
View
23rd of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
30th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Enova International Financial Statements

Enova International stakeholders use historical fundamental indicators, such as Enova International's revenue or net income, to determine how well the company is positioned to perform in the future. Although Enova International investors may analyze each financial statement separately, they are all interrelated. For example, changes in Enova International's assets and liabilities are reflected in the revenues and expenses on Enova International's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Enova International. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue54.2 M56.9 M
Total Revenue2.7 B2.8 B
Cost Of Revenue1.4 B1.5 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.06  0.06 
Capex To Revenue 0.02  0.02 
Revenue Per Share 98.73  103.67 
Ebit Per Revenue 0.22  0.40 

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When determining whether Enova International offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Enova International's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Enova International Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Enova International Stock:
How To Invest In Enova
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What is Enova International's Net Worth?
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Check out the analysis of Enova International Correlation against competitors.
For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.
You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enova International. If investors know Enova will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enova International listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
1.038
Earnings Share
7.43
Revenue Per Share
46.026
Quarterly Revenue Growth
0.255
Return On Assets
0.0425
The market value of Enova International is measured differently than its book value, which is the value of Enova that is recorded on the company's balance sheet. Investors also form their own opinion of Enova International's value that differs from its market value or its book value, called intrinsic value, which is Enova International's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enova International's market value can be influenced by many factors that don't directly affect Enova International's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
Details
Please note, there is a significant difference between Enova International's value and its price as these two are different measures arrived at by different means. Investors typically determine if Enova International is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enova International's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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