Enova International, Inc. (ENVA) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Total Current Assets | 96.13M | 71.71M | 5.5B | 5.27B | 5B | 4.81B | 4.52B | 4.35B | 4.18B | 4.12B | 3.64B | 3.44B | 3.39B | 3.31B | 3.04B | 2.78B | 2.58B | 2.29B | 1.98B | 1.9B |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | - | - | 566.03 | 561.38 | 557.47 | - | 547.3 | 571.14 | 579.02 | - | 543.28 | 561.78 | 568.35 | 555.22 | 535.54 | 534.63 | 496.18 | 455.43 | 437.35 | 453.66 |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | -5.51B | 303.37M | 323.88M | 256.34M | 4.68B | 186.88M | 211.17M | 152.47M | 71.98M | 133.41M | 161.62M | 190.71M | 78.23M | 84.41M | 69.66M | 96.15M | 60.41M | 59.05M | 52.81M |
| Total Non-Current Assets | 464.99M | 464.09M | 460.35M | 458.36M | 455.85M | 452.58M | 451.66M | 466.72M | 461M | 462.82M | 461.38M | 463.39M | 461.87M | 473.95M | 472.07M | 475.11M | 470.69M | 467.53M | 486.3M | 490.11M |
| Property, Plant & Equipment | 183.31M | 181.16M | 145.86M | 145.47M | 142.4M | 138.16M | 130.68M | 128.24M | 125.33M | 122.96M | 119.89M | 115.56M | 107.81M | 112.58M | 109.65M | 109.95M | 103.54M | 101.5M | 117.25M | 118.18M |
| Fixed Asset Turnover | 4.80x | 5.13x | 5.51x | 5.31x | 5.31x | 5.43x | 5.33x | 4.96x | 4.91x | 4.81x | 4.68x | 4.47x | 4.39x | 4.38x | 4.15x | 3.82x | 3.76x | 3.32x | 2.72x | 2.24x |
| Goodwill | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M | 279.27M |
| Intangible Assets | 2.41M | 3.66M | 4.91M | 6.92M | 8.94M | 10.95M | 12.96M | 14.98M | 16.99M | 19M | 21.02M | 23.03M | 25.05M | 27.39M | 29.4M | 31.42M | 33.43M | 35.44M | 37.46M | 39.47M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.92M | 0 |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 6.88B | 6.47B | 5.96B | 5.72B | 5.46B | 5.27B | 4.98B | 4.82B | 4.64B | 4.59B | 4.1B | 3.91B | 3.85B | 3.78B | 3.51B | 3.25B | 3.05B | 2.76B | 2.47B | 2.39B |
| Asset Turnover | 0.13x | 0.14x | 0.14x | 0.14x | 0.14x | 0.14x | 0.14x | 0.13x | 0.13x | 0.13x | 0.14x | 0.13x | 0.13x | 0.13x | 0.13x | 0.13x | 0.13x | 0.14x | 0.13x | 0.12x |
| Asset Growth % | 26.02% | 22.83% | 19.83% | 18.84% | 17.7% | 14.84% | 21.27% | 23.27% | 20.52% | 21.28% | 16.92% | 20.13% | 26.25% | 36.92% | 42.23% | 35.84% | 42.81% | 31% | 50.99% | 51.67% |
| Total Current Liabilities | 0 | 305.85M | 252.91M | 257.51M | 237.42M | 483.3M | 259.54M | 333.97M | 290.6M | 261.16M | 275.16M | 229.31M | 177.87M | 198.32M | 168.98M | 169.53M | 136.94M | 156.1M | 124.58M | 140.57M |
| Accounts Payable | 0 | 0 | 252.91M | 257.51M | 237.42M | 58.95M | 259.54M | 333.97M | 290.6M | 43.33M | 275.16M | 229.31M | 177.87M | 30.78M | 168.98M | 169.53M | 136.94M | 37.18M | 124.58M | 140.57M |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 233.33M | 0 | 0 | 0 | 22.34M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 0 | 305.85M | 0 | 0 | 0 | 82.46M | 0 | 0 | 0 | 195.48M | 0 | 0 | 0 | 87.68M | 0 | 0 | 0 | 44.14M | 0 | 0 |
| Current Ratio | - | 0.23x | 21.75x | 20.45x | 21.07x | 9.96x | 17.43x | 13.03x | 14.37x | 15.79x | 13.23x | 15.02x | 19.03x | 16.67x | 17.97x | 16.39x | 18.81x | 14.70x | 15.90x | 13.55x |
| Quick Ratio | - | 0.23x | 21.75x | 20.45x | 21.07x | 9.96x | 17.43x | 13.03x | 14.37x | 15.79x | 13.23x | 15.02x | 19.03x | 16.67x | 17.97x | 16.39x | 18.81x | 14.70x | 15.90x | 13.55x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 5.16B | 0 | 4.43B | 4.24B | 4.02B | 3.59B | 3.54B | 3.34B | 3.2B | 3.08B | 2.57B | 2.43B | 2.45B | 2.4B | 2.19B | 1.98B | 1.83B | 1.51B | 1.21B | 1.16B |
| Long-Term Debt | 4.83B | 4.53B | 4.11B | 3.96B | 3.76B | 3.33B | 3.29B | 3.19B | 3.04B | 2.94B | 2.44B | 2.3B | 2.31B | 2.26B | 2.06B | 1.84B | 1.7B | 1.38B | 1.08B | 1.03B |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 5.48B | 5.13B | 4.68B | 4.5B | 4.26B | 4.07B | 3.8B | 3.67B | 3.49B | 3.35B | 2.84B | 2.66B | 2.63B | 2.59B | 2.36B | 2.15B | 1.97B | 1.67B | 1.33B | 1.3B |
| Total Debt | 4.83B | 4.56B | 4.14B | 4B | 3.79B | 3.6B | 3.32B | 3.22B | 3.07B | 2.99B | 2.47B | 2.33B | 2.34B | 2.29B | 2.09B | 1.88B | 1.74B | 1.43B | 1.14B | 1.09B |
| Net Debt | 4.74B | 4.49B | 4.09B | 3.94B | 3.73B | 3.52B | 3.25B | 3.16B | 2.99B | 2.61B | 2.41B | 2.23B | 2.24B | 2.19B | 2.01B | 1.73B | 1.6B | 1.26B | 908.28M | 698.37M |
| Debt / Equity | 3.45x | 3.41x | 3.22x | 3.25x | 3.17x | 3.00x | 2.82x | 2.81x | 2.67x | 2.41x | 1.96x | 1.86x | 1.92x | 1.93x | 1.83x | 1.69x | 1.61x | 1.30x | 1.00x | 1.00x |
| Debt / EBITDA | 22.37x | 23.31x | 19.79x | 20.55x | 20.83x | 21.74x | 20.27x | 20.81x | 21.75x | 28.05x | 21.73x | 19.34x | 19.53x | 20.15x | 19.08x | 19.34x | 17.31x | 15.32x | 11.96x | 8.39x |
| Net Debt / EBITDA | 21.93x | 22.95x | 19.53x | 20.26x | 20.52x | 21.29x | 19.86x | 20.42x | 21.21x | 24.51x | 21.17x | 18.51x | 18.72x | 19.27x | 18.28x | 17.86x | 16.00x | 13.54x | 9.55x | 5.37x |
| Interest Coverage | 2.20x | 2.08x | - | - | 1.13x | - | - | - | - | - | - | - | 1.52x | 1.80x | - | 2.59x | 3.04x | 3.24x | 3.75x | 5.32x |
| Total Equity | 1.4B | 1.34B | 1.28B | 1.23B | 1.2B | 1.2B | 1.18B | 1.15B | 1.15B | 1.24B | 1.26B | 1.25B | 1.22B | 1.19B | 1.15B | 1.11B | 1.08B | 1.09B | 1.13B | 1.09B |
| Equity Growth % | 17.14% | 11.68% | 8.91% | 7.07% | 4.04% | -3.49% | -6.53% | -8.15% | -5.78% | 4.56% | 10.02% | 12.75% | 13.25% | 8.52% | 1.06% | 1.22% | 7.19% | 18.96% | 97.71% | 129.88% |
| Book Value per Share | 53.20 | 50.72 | 48.49 | 45.40 | 44.15 | 43.26 | 42.54 | 41.07 | 38.99 | 40.15 | 39.53 | 38.80 | 37.32 | 36.35 | 34.77 | 33.09 | 30.90 | 29.28 | 29.86 | 28.70 |
| Total Shareholders' Equity | 1.4B | 1.34B | 1.28B | 1.23B | 1.2B | 1.2B | 1.18B | 1.15B | 1.15B | 1.24B | 1.26B | 1.25B | 1.22B | 1.19B | 1.15B | 1.11B | 1.08B | 1.09B | 1.13B | 1.09B |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 2.1B | 2.01B | 1.93B | 1.85B | 1.77B | 1.7B | 1.63B | 1.59B | 1.54B | 1.49B | 1.45B | 1.41B | 1.36B | 1.31B | 1.26B | 1.21B | 1.16B | 1.11B | 1.06B | 1.01B |
| Treasury Stock | 0 | -1.03B | -994.67M | -956.27M | -900.95M | -815.41M | -764.17M | -740.85M | -677.48M | -526.12M | -459.36M | -422.99M | -394.82M | -372.93M | -353.92M | -334.23M | -308.62M | -229.86M | -133.04M | -117.44M |
| Accumulated OCI | -6.41M | -9.5M | -7.87M | -8.85M | -10.78M | -13.69M | -9.42M | -10.75M | -7.23M | -6.26M | -7.2M | -5.99M | -7.34M | -5.99M | -7.25M | -7.48M | -5.07M | -8.54M | -8.19M | -6.01M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.32M | 1.1M |