Enova International, Inc.

NYSE•ENVA

CEO: Mr. David A. Fisher J.D.

Sector: Financial Services

Industry: Financial - Credit Services

Listing Date: 2014-11-13

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company provides installment loans; line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It offers money transfer services. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company was founded in 2003 and is headquartered in Chicago, Illinois.

Contact Information

175 West Jackson Boulevard, Suite 1000, Chicago, IL, 60604, United States

312-568-4200

www.enova.com

Market Cap

$3.42B

P/E (TTM)

11.0

27.9

Dividend Yield

52W High

$176.68

52W Low

$79.41

52W Range

59%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$839.39M+15.06%

4-Quarter Trend

EPS

$3.19+30.74%

4-Quarter Trend

FCF

$487.12M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Revenue Growth Strong Total Revenue reached $3.15B, up 18.6%; small business revenue increased 30.5% due to strong demand.

Net Income Surges Net Income grew 47.2% to $308.4M, reflecting strong operational leverage; Diluted EPS reached $11.52.

Loan Portfolio Expansion Loan portfolio fair value increased to $5.47B, supported by growth in both consumer and small business segments.

Grasshopper Acquisition Agreed Agreed to acquire Grasshopper for ~$369M; transaction subject to regulatory approvals, expected close H2 2026.

Risk Factors

Intense Regulatory Scrutiny Business highly regulated; failure to comply with laws risks fines, liabilities, and operational restrictions.

Significant Debt Obligations Total long-term debt reached $4.50B, potentially limiting future financing flexibility and increasing borrowing costs.

Payment System Interruption Risk Critical reliance on ACH systems for funding/repayments; interruption or limitation could severely impact operations.

Litigation and Legal Exposure Litigation risk remains high, including potential challenges to arbitration agreements and adverse regulatory rulings.

Outlook

Increase Market Penetration Increase penetration in existing markets using strong brands and direct marketing channels for customer acquisition.

Introduce New Product Offerings Introduce new products targeting underserved consumers and small businesses leveraging proprietary analytics expertise.

Grasshopper Integration Focus Successfully consummate Grasshopper acquisition to gain simplicity in regulatory areas and access lower-cost funding.

Invest in Scalable Technology Continue investing in scalable technology platforms to quickly deploy new products and adapt to market trends.

Peer Comparison

Revenue (TTM)

BFH

$4.70B

-2.1%

$4.05B

-3.8%

ENVA

$3.15B

+18.6%

Gross Margin (Latest Quarter)

APAM

99.4%

-0.9pp

NMIH

88.3%

-4.1pp

BFH

83.0%

+39.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
WSFS	$3.61B	12.5	10.6%	1.4%
CATY	$3.45B	10.9	10.9%	0.9%
ENVA	$3.42B	11.0	24.4%	70.5%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

4.0%

Moderate Growth

4Q Net Income CAGR

2.7%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data