Enova International Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $3.4B+29.7% YoYTTM through 30 Jun 2026
Net Income $355.5M+69.7% YoYTTM through 30 Jun 2026
Free Cash Flow $2BTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 23.5% |
| Net Margin | 10.3% |
Returns
23.1%ROE
4.8%ROA
5.6%ROIC
Balance Sheet Health
Debt / Equity3.37x
Net Debt$4.4B
Cash & Equivalents$122.2M
Quality Metrics
Piotroski F-Score8 / 9
FCF Margin56.7%
Rule of 4064.6
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $3.2B
Diluted EPS$13.46TTMFY2025: $11.52
Dividend
No dividend
Capital Allocation
Capex Intensity1.3%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Small Business Lending | +30.5% | View detailsExpected to remain a primary growth driver, further enhanced by the pending Grasshopper Bank acquisition. | |
| Consumer Lending | +10.9% | View detailsSteady demand and disciplined growth expected to continue. |
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