Enova International, Inc.
ENVANYSEFinancials · Personal Credit Institutions · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $3.15B | $2.66B | $2.12B | $1.74B | $1.21B | $1.08B |
| Operating income | $739.4M | $584.8M | $422.1M | $384.0M | $413.1M | $357.8M |
| Net income | $308.4M | $209.4M | $175.1M | $207.4M | $256.3M | $377.8M |
| Total assets | $6.47B | $5.27B | $4.59B | $3.78B | $2.76B | $2.11B |
| Total liabilities | $5.13B | $4.07B | $3.35B | $2.59B | $1.67B | $1.19B |
| Equity | $1.34B | $1.20B | $1.24B | $1.19B | $1.09B | $917.3M |
| EPS (diluted) | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 | $11.70 |
| Shares out. | 25.8M | 28.2M | 31.6M | 33.5M | 36.3M | 32.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 23.5%
- Net margin
- 9.8%
- Return on equity
- 23.1%
- Return on assets
- 4.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 79.3%
- Debt / equity
- 3.84×
- Book value / share
- $51.82
- Revenue growth (YoY)
- 18.6%
- Net income growth (YoY)
- 47.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −23.4%clean
- Piotroski F-Score
- 6/8mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 5 good- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Blackrock, Inc.Passive (13G)Apr 24, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Dimensional Fund Advisors LpPassive (13G)Oct 9, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.9M | 8.0 | +3.7% |
| Apr 30, 2026 | 1.9M | 6.9 | -2.2% |
| Apr 15, 2026 | 1.9M | 10.6 | +0.5% |
| Mar 31, 2026 | 1.9M | 8.4 | -2.0% |
| Mar 13, 2026 | 1.9M | 8.0 | +5.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 13, 2026
- Results of operationsApr 23, 2026
- Entered a material agreement · New financial obligationApr 1, 2026
- Results of operationsJan 27, 2026
- Entered a material agreementDec 18, 2025
- Entered a material agreement · Regulation FD disclosureDec 11, 2025
- Entered a material agreement · New financial obligationNov 24, 2025
- Entered a material agreement · New financial obligationNov 13, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Corporate family
Spun off from Cash America International · Nov 13, 2014
From the spin-off filings we track. Follow a company to walk its own history.