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ENVA Enova International, Inc.

Trailing twelve months to 2026-06-30 · as filed 2026-07-23, not restated
Financials

Scale

Market cap
$5.9bn
Revenue TTM
$3.4bn
Net income TTM
$356m
Free cash flow
$2.0bn
Composite score
54.1
Sector rank
#972

Valuation

P / E
16.7
EV / EBITDA
EV / sales
3.1
FCF yield
32.91%
Earnings yield vs 10-yr
1.26pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
10.3%
EBITDA margin
ROE
23.7%
ROIC
13.0%
Revenue growth
17.6%

Insider activity, last 90 days

Net open-market
$-23.54m
Buyers
0
Sellers
4

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Consolidated diluted income per share was $4.00 in the current quarter compared to $2.86 in the prior year quarter. Overview The following tables reflect our results of operations for the periods indicated, both in dollars and as a percentage of total revenue (dollars in thousands, except per share data): Valuation of Loans and Finance Receivables We carry our loans and finance receivables at fair value with changes in fair value recognized directly in earnings. …Enova International, Inc., 10-Q, period ended 2026-06-30, filed 2026-07-23

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