Enova International, Inc. (ENVA) quarterly income statement — complete revenue, gross profit & net income 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 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 0 | 501.89M | 373.75M | 358.68M | 345.64M | 336.05M | 323.45M | 299.24M | 280.27M | 267.83M | 270.94M | 253.8M | 242.57M | 290.11M | 263.27M | 239.62M | 268.69M | 261.36M | 246.38M | 239.72M |
| Gross Margin % | - | 59.79% | 46.56% | 46.94% | 46.36% | 46.06% | 46.88% | 47.62% | 45.95% | 45.89% | 49.14% | 50.82% | 50.19% | 59.67% | 57.71% | 58.73% | 69.66% | 71.88% | 76.96% | 90.55% |
| Gross Profit Growth % | -100% | 49.35% | 15.55% | 19.86% | 23.32% | 25.47% | 19.38% | 17.9% | 15.54% | -7.68% | 2.91% | 5.92% | -9.72% | 11% | 6.85% | -0.04% | 23% | 20.89% | 35.55% | 81.07% |
| Operating Expenses | 321.85M | 315.25M | 176.98M | 174.57M | 173.73M | 180.85M | 169.74M | 154.18M | 149.48M | 170.29M | 167.21M | 142.21M | 133.3M | 184.86M | 164.76M | 150.14M | 177.94M | 180.68M | 160.16M | 117.01M |
| OpEx % of Revenue | 36.78% | 37.56% | 22.05% | 22.85% | 23.3% | 24.79% | 24.6% | 24.53% | 24.51% | 29.18% | 30.33% | 28.47% | 27.58% | 38.02% | 36.12% | 36.8% | 46.13% | 49.69% | 50.03% | 44.2% |
| Selling, General & Admin | 237.19M | 238.68M | 187.01M | 183.36M | 181.75M | 189.21M | 179.97M | 160.47M | 150.43M | 171.37M | 154.24M | 132.2M | 116.91M | 131.64M | 138.46M | 125.24M | 127.7M | 148.25M | 113.28M | 93.93M |
| SG&A % of Revenue | 27.1% | 28.43% | 23.3% | 24% | 24.38% | 25.94% | 26.09% | 25.54% | 24.67% | 29.37% | 27.97% | 26.47% | 24.19% | 27.08% | 30.35% | 30.7% | 33.11% | 40.77% | 35.38% | 35.48% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 207.11M | 186.65M | 196.78M | 184.11M | 171.9M | 155.2M | 153.71M | 145.06M | 130.79M | 97.54M | 103.73M | 111.6M | 109.27M | 105.25M | 98.51M | 89.48M | 90.75M | 80.68M | 86.22M | 122.71M |
| Operating Margin % | 23.67% | 22.24% | 24.51% | 24.1% | 23.06% | 21.27% | 22.28% | 23.08% | 21.45% | 16.71% | 18.81% | 22.34% | 22.61% | 21.65% | 21.59% | 21.93% | 23.53% | 22.19% | 26.93% | 46.35% |
| Operating Income Growth % | 20.48% | 20.27% | 28.01% | 26.92% | 31.43% | 59.11% | 48.18% | 29.98% | 19.7% | -7.33% | 5.3% | 24.71% | 20.41% | 30.45% | 14.26% | -27.08% | -26.49% | -32.85% | -29.34% | 41.77% |
| EBITDA | 216.01M | 195.71M | 209.13M | 194.45M | 181.97M | 165.39M | 163.75M | 154.76M | 141.06M | 106.57M | 113.69M | 120.22M | 119.81M | 113.75M | 109.78M | 97.07M | 100.26M | 93.05M | 95.13M | 130.17M |
| EBITDA Margin % | 24.68% | 23.32% | 26.05% | 25.45% | 24.41% | 22.67% | 23.73% | 24.63% | 23.13% | 18.26% | 20.62% | 24.07% | 24.79% | 23.4% | 24.06% | 23.79% | 25.99% | 25.59% | 29.71% | 49.17% |
| EBITDA Growth % | 18.71% | 18.33% | 27.71% | 25.64% | 29% | 55.19% | 44.04% | 28.73% | 17.73% | -6.31% | 3.56% | 23.86% | 19.5% | 22.24% | 15.4% | -25.43% | -22.93% | -27.54% | -24.37% | 43.74% |
| D&A (Non-Cash Add-back) | 8.91M | 9.07M | 12.36M | 10.35M | 10.06M | 10.2M | 10.04M | 9.71M | 10.26M | 9.03M | 9.95M | 8.63M | 10.54M | 8.5M | 11.27M | 7.58M | 9.51M | 12.37M | 8.91M | 7.46M |
| EBIT | 0 | 185.48M | 109.82M | 101.33M | 91.36M | 78.21M | 76.81M | 74.1M | 65.19M | 40.33M | 55.07M | 66.01M | 65.95M | 67.72M | 67.59M | 64.53M | 68.26M | 61.66M | 68.06M | 103.29M |
| Net Interest Income | 0 | -89.03M | 0 | 0 | -80.54M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -43.32M | -37.53M | 0 | -24.95M | -22.48M | -19.02M | -18.16M | -19.42M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | -94.05M | 89.03M | 0 | 0 | 80.54M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 43.32M | 37.53M | 0 | 24.95M | 22.48M | 19.02M | 18.16M | 19.42M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 112.86M | 98.78M | 110.17M | 101.05M | 91.03M | 77.4M | 55.49M | 73.56M | 64.66M | 41.63M | 55.21M | 64.77M | 65.64M | 66.92M | 67.59M | 69.79M | 68.28M | 61.22M | 68.48M | 103.77M |
| Pretax Margin % | 12.9% | 11.77% | 13.73% | 13.23% | 12.21% | 10.61% | 8.04% | 11.71% | 10.6% | 7.13% | 10.01% | 12.97% | 13.58% | 13.76% | 14.82% | 17.11% | 17.7% | 16.84% | 21.39% | 39.2% |
| Income Tax | 21.77M | 19.8M | 29.86M | 24.9M | 18.08M | 13.7M | 12.07M | 19.65M | 16.23M | 6.86M | 13.93M | 16.63M | 14.71M | 16.05M | 15.88M | 17.39M | 15.83M | 12.48M | 16.67M | 23.22M |
| Effective Tax Rate % | 19.28% | 20.05% | 27.1% | 24.64% | 19.87% | 17.7% | 21.76% | 26.71% | 25.1% | 16.48% | 25.22% | 25.67% | 22.42% | 23.98% | 23.5% | 24.91% | 23.19% | 20.39% | 24.34% | 22.38% |
| Net Income | 91.1M | 78.98M | 80.31M | 76.15M | 72.94M | 63.7M | 43.41M | 53.91M | 48.43M | 34.77M | 41.28M | 48.15M | 50.92M | 50.87M | 51.71M | 52.4M | 52.44M | 48.65M | 51.55M | 80.18M |
| Net Margin % | 10.41% | 9.41% | 10.01% | 9.97% | 9.78% | 8.73% | 6.29% | 8.58% | 7.94% | 5.96% | 7.49% | 9.64% | 10.54% | 10.46% | 11.33% | 12.84% | 13.6% | 13.38% | 16.1% | 30.29% |
| Net Income Growth % | 24.89% | 24% | 85% | 41.25% | 50.63% | 83.2% | 5.16% | 11.98% | -4.9% | -31.66% | -20.16% | -8.12% | -2.9% | 4.57% | 0.31% | -34.64% | -30.92% | -78.91% | -44.97% | 66.94% |
| Net Income (Continuing) | 91.1M | 78.98M | 80.31M | 76.15M | 72.94M | 63.7M | 43.41M | 53.91M | 48.43M | 34.77M | 41.28M | 48.15M | 50.92M | 50.87M | 51.71M | 52.4M | 52.44M | 48.74M | 51.81M | 80.55M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.32M | 1.1M |
| EPS (Diluted) | 3.46 | 3.00 | 3.03 | 2.86 | 2.69 | 2.30 | 1.57 | 1.93 | 1.64 | 1.13 | 1.29 | 1.50 | 1.56 | 1.56 | 1.57 | 1.56 | 1.50 | 1.30 | 1.36 | 2.10 |
| EPS Growth % | 28.62% | 30.43% | 92.99% | 48.19% | 64.02% | 103.54% | 21.71% | 28.67% | 5.13% | -27.56% | -17.83% | -3.85% | 4% | 20% | 15.44% | -25.71% | -26.11% | -79.91% | -55.99% | 32.91% |
| EPS (Basic) | 3.66 | 3.19 | 3.22 | 3.01 | 2.84 | 2.44 | 1.64 | 2.00 | 1.72 | 1.17 | 1.35 | 1.55 | 1.62 | 1.62 | 1.62 | 1.61 | 1.57 | 1.36 | 1.40 | 2.18 |
| Diluted Shares Outstanding | 26.35M | 26.36M | 26.47M | 27.06M | 27.1M | 27.67M | 27.71M | 27.94M | 29.5M | 30.89M | 31.9M | 32.2M | 32.71M | 32.63M | 32.97M | 33.48M | 34.88M | 37.33M | 37.98M | 38.14M |
| Basic Shares Outstanding | 24.87M | 24.76M | 24.95M | 25.49M | 25.68M | 26.14M | 26.42M | 26.94M | 28.2M | 29.69M | 30.6M | 31.08M | 31.34M | 31.4M | 31.91M | 32.5M | 33.37M | 35.75M | 36.74M | 36.8M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |