Enova International, Inc. (ENVA) Financial Statements (2026 and earlier)
Company Profile
| Business Address |
175 WEST JACKSON BLVD. CHICAGO, IL 60604 |
| State of Incorp. | DE |
| Fiscal Year End | December 31 |
| Industry (SIC) | 6141 - Personal Credit Institutions (benchmarking) |
| More info | Complete Financial Analysis Financial Benchmarking |
Balance Sheet (Statement of Financial Position) ($ in millions)
| 12/31/2025 | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | 12/31/2020 | 12/31/2019 | |||
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| Current Assets | |||||||||
| Cash, cash equivalents, and short-term investments | 74 | 54 | 100 | 165 | 297 | 36 | |||
| Cash and cash equivalent | 74 | 54 | 100 | 165 | 297 | 36 | |||
| Total current assets: | 74 | 54 | 100 | 165 | 297 | 36 | |||
| Noncurrent Assets | |||||||||
| Operating lease, right-of-use asset | 18 | 14 | 19 | 23 | 40 | 20 | |||
| Property, plant, and equipment, after accumulated depreciation, depletion, and amortization | 120 | 109 | 93 | 78 | 79 | 55 | |||
| Intangible asset, including goodwill, after accumulated amortization | 290 | 298 | 307 | 315 | 294 | 269 | |||
| Goodwill | 279 | 279 | 279 | 279 | 268 | 267 | |||
| Intangible asset, excluding goodwill, after accumulated amortization | 11 | 19 | 27 | 35 | 26 | 2 | |||
| Total noncurrent assets: | 428 | 421 | 419 | 416 | 414 | 343 | |||
| Other undisclosed assets | 4,764 | 4,110 | 3,261 | 2,180 | 1,397 | 1,195 | |||
| TOTAL ASSETS: | 5,266 | 4,586 | 3,781 | 2,761 | 2,108 | 1,574 | |||
| LIABILITIES AND EQUITY | |||||||||
| Liabilities | |||||||||
| Current Liabilities | |||||||||
| Noncurrent Liabilities | |||||||||
| Liabilities, other than long-term debt | 224 | 113 | 104 | 87 | 48 | 49 | |||
| Deferred income tax liabilities | 224 | 113 | 104 | 87 | 48 | 49 | |||
| Total noncurrent liabilities: | 224 | 113 | 104 | 87 | 48 | 49 | |||
| Other undisclosed liabilities | 3,846 | 3,232 | 2,491 | 1,581 | 1,141 | 1,149 | |||
| Total liabilities: | 4,069 | 3,345 | 2,595 | 1,668 | 1,189 | 1,198 | |||
| Equity | |||||||||
| Equity, attributable to parent | 1,197 | 1,240 | 1,186 | 1,093 | 917 | 377 | |||
| Treasury stock, value | (815) | (526) | (373) | (230) | (113) | (57) | |||
| Additional paid in capital | 328 | 284 | 252 | 226 | 188 | 64 | |||
| Accumulated other comprehensive loss | (14) | (6) | (6) | (9) | (7) | (3) | |||
| Retained earnings | 1,698 | 1,488 | 1,313 | 1,106 | 849 | 373 | |||
| Equity, attributable to noncontrolling interest | 1 | ||||||||
| Total equity: | 1,197 | 1,240 | 1,186 | 1,093 | 919 | 377 | |||
| TOTAL LIABILITIES AND EQUITY: | 5,266 | 4,586 | 3,781 | 2,761 | 2,108 | 1,574 | |||
Income Statement (P&L) ($ in millions)
| 12/31/2025 | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | 12/31/2020 | 12/31/2019 | ||
|---|---|---|---|---|---|---|---|---|
| Revenues | 2,658 | 2,118 | 1,736 | 1,208 | 1,084 | 1,175 | ||
| Net investment income | 2,620 | 2,086 | 1,713 | 1,192 | 1,076 | 1,172 | ||
| Cost of revenue | (603) | |||||||
| Other undisclosed gross profit | (1,128) | (888) | (619) | (184) | (400) | |||
| Gross profit: | 1,529 | 1,230 | 1,118 | 1,024 | 684 | 572 | ||
| Operating expenses | (945) | (808) | (734) | (611) | (326) | (324) | ||
| Operating income: | 585 | 422 | 384 | 413 | 358 | 248 | ||
| Nonoperating income (expense) | (7) | (0) | (2) | (2) | 165 | (0) | ||
| Investment income, nonoperating | 164 | |||||||
| Gain (loss), foreign currency transaction, before tax | (1) | 0 | (1) | (0) | 1 | (0) | ||
| Other nonoperating expense | (6) | (0) | (1) | (2) | ||||
| Interest and debt expense | (6) | (195) | (116) | (77) | (88) | (2) | ||
| Income from continuing operations before equity method investments, income taxes: | 572 | 227 | 266 | 334 | 435 | 246 | ||
| Income (loss) from equity method investments | (16) | 0 | 6 | 3 | 1 | |||
| Other undisclosed loss from continuing operations before income taxes | (285) | (76) | ||||||
| Income from continuing operations before income taxes: | 271 | 227 | 273 | 337 | 435 | 170 | ||
| Income tax expense | (62) | (52) | (65) | (80) | (57) | (42) | ||
| Income from continuing operations: | 209 | 175 | 207 | 257 | 378 | 128 | ||
| Income before gain (loss) on sale of properties: | ✕ | ✕ | ✕ | ✕ | 257 | 378 | 128 | |
| Other undisclosed net loss | (0) | (91) | ||||||
| Net income: | 209 | 175 | 207 | 257 | 378 | 37 | ||
| Net loss attributable to noncontrolling interest | (209) | (1) | (0) | |||||
| Other undisclosed net income attributable to parent | 209 | |||||||
| Net income available to common stockholders, diluted: | 209 | 175 | 207 | 256 | 378 | 37 | ||
Comprehensive Income ($ in millions)
| 12/31/2025 | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | 12/31/2020 | 12/31/2019 | ||
|---|---|---|---|---|---|---|---|---|
| Net income: | 209 | 175 | 207 | 257 | 378 | 37 | ||
| Other comprehensive income (loss) | (7) | (0) | 3 | (2) | (4) | 11 | ||
| Comprehensive income: | 202 | 175 | 210 | 255 | 374 | 47 | ||
| Comprehensive income (loss), net of tax, attributable to noncontrolling interest | (209) | 0 | (0) | |||||
| Other undisclosed comprehensive income, net of tax, attributable to parent | 209 | |||||||
| Comprehensive income, net of tax, attributable to parent: | 202 | 175 | 210 | 256 | 374 | 47 | ||
Statements Sources
The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.