ENVA on NYSE

Enova International, Inc.

American personal credit institutions company based in Chicago. Summary from the record

Price unavailable

Last updated Oct 19, 2026.

Overview

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  • TickerENVA on NYSE2
  • IndustryPersonal Credit Institutions2
  • HeadquartersChicago, United States2
  • Incorporated inDE3
  • Business address175 West Jackson Blvd., Suite 600, Chicago, Il 606043
  • Filer categoryLarge accelerated filer3
  • Legal formCorporation2
  • LEI549300O8XOCQSB49UO632
  • StatusActive2
  • LEI statusLapsed (not renewed)2
  • Registered addressC/O Capitol Services, Inc., 19901 Dover, United States2

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

58.1%Gross margin4
23.5%Operating margin4
9.8%Net margin4
18.6%Revenue growth, 20254
23.1%Return on equity4
3.37×Debt to equity4

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Regions

United States brought in 97% of the revenue Enova International, Inc. broke down this way in fiscal 2025.

  1. United States$3.1B497%up 18% from 2024
  2. Outside the United States$79.1M43%up 48% from 2024
Regions by year
Regions202320242025
United States$2.1B$2.6B$3.1B
Outside the United States$30.1M$53.3M$79.1M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs77¢$2.4B
  • Interest11¢$339.3M
  • Income tax3¢$92.6M
  • Profit10¢$308.4M

Out of $3.2B in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Share buybacks12¢$214.6M
  • Kept or used elsewhere88¢$1.6B

Out of $1.8B of cash from operations.4

Financial statements

Revenue56784$3.2B in 2025+168% since 2019
0$1.0B$2.0B$3.0B$4.0B2019: $1.2B$1.2B20192020: $1.1B$1.1B2020−8%2021: $1.2B$1.2B2021+11%2022: $1.7B$1.7B2022+44%2023: $2.1B$2.1B2023+22%2024: $2.7B$2.7B2024+26%2025: $3.2B$3.2B2025+19%
Gross profit56784$1.8B in 2025+220% since 2019
0$500.0M$1.0B$1.5B$2.0B2019: $571.9M$571.9M20192020: $684.2M$684.2M2020+20%2021: $1.0B$1.0B2021+50%2022: $1.1B$1.1B2022+9%2023: $1.2B$1.2B2023+10%2024: $1.5B$1.5B2024+24%2025: $1.8B$1.8B2025+20%
Operating income56784$739.4M in 2025+198% since 2019
0$200.0M$400.0M$600.0M$800.0M2019: $248.2M$248.2M20192020: $357.8M$357.8M2020+44%2021: $413.1M$413.1M2021+15%2022: $384.0M$384.0M2022−7%2023: $422.1M$422.1M2023+10%2024: $584.8M$584.8M2024+39%2025: $739.4M$739.4M2025+26%
Net income56784$308.4M in 2025+742% since 2019
0$100.0M$200.0M$300.0M$400.0M2019: $36.6M$36.6M20192020: $377.8M$377.8M2020+932%2021: $256.3M$256.3M2021−32%2022: $207.4M$207.4M2022−19%2023: $175.1M$175.1M2023−16%2024: $209.4M$209.4M2024+20%2025: $308.4M$308.4M2025+47%

Every line of the income statement as filed: the last 3 fiscal years, latest first.4

Period ending2025-12-312024-12-312023-12-31
Revenue$3.2B$2.7B$2.1B
Change in Fair Value-$1.3B-$1.1B-$887.7M
Net Revenue$1.8B$1.5B$1.2B
Marketing$621.1M$523.6M$414.5M
Operations and technology$258.2M$224.4M$194.9M
General and administrative$169.7M$156.5M$160.3M
Depreciation and amortization$41.8M$40.2M$38.2M
Total Operating Expenses$1.1B$944.7M$807.8M
Income from Operations$739.4M$584.8M$422.1M
Interest expense, net-$339.3M-$290.4M-$194.8M
Foreign currency transaction gain (loss)$367.0K-$1.1M$57.0K
Equity method investment income (loss)$1.6M-$16.5M$116.0K
Other nonoperating expenses-$1.0M-$5.7M-$282.0K
Income before Income Taxes$401.0M$271.1M$227.2M
Provision for income taxes$92.6M$61.7M$52.1M
Net income$308.4M$209.4M$175.1M
Basic$12.25$7.78$5.71
Diluted$11.52$7.43$5.49
Basic25.2M shares26.9M shares30.7M shares
Diluted26.8M shares28.2M shares31.9M shares

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Leadership

Who has led Enova International, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Steven E. Cunningham2026–now

Chief financial officer

  1. Robert S. Clifton2014–2016
  2. Steven E. Cunningham2016–2026
  3. Scott Cornelis2026–now

Chief operating officer

  1. Arad Levertov2014–2015
  2. Gregory T. Zeeman2015–2019
201520202025
Board members and other officers (18)

Timeline

  1. Feb 3, 2026New chief executive Steven E. Cunningham becomes CEO12

Filings

595 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 95 major events, 306 insider forms, 20 large holders, 154 other. The latest 20:

  1. Oct 13, 20268-K EDGAR
  2. Sep 25, 20268-K EDGAR
  3. Sep 21, 20264 EDGAR
  4. Sep 17, 2026144 EDGAR
  5. Sep 17, 20268-K EDGAR
  6. Sep 15, 20268-K EDGAR
  7. Sep 14, 20268-K EDGAR
  8. Sep 9, 20268-K EDGAR
  9. Aug 27, 20264 EDGAR
  10. Aug 25, 2026144 EDGAR
  11. Aug 21, 20268-K EDGAR
  12. Aug 14, 20268-K EDGAR
  13. Aug 7, 20264 EDGAR
  14. Aug 7, 20264 EDGAR
  15. Aug 7, 20264 EDGAR
  16. Aug 7, 20264 EDGAR
  17. Aug 7, 20264 EDGAR
  18. Aug 7, 20264 EDGAR
  19. Jul 31, 2026SCHEDULE 13G EDGAR
  20. Jul 23, 202610-Q EDGAR

The 595 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

102 open-market trades by officers, directors and large owners since October 2021: 1 buys and 101 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 17, 2026Fisher DavidExecutive ChairmanSale20,750$178.24$3.7MForm 4
Aug 26, 2026Fisher DavidExecutive ChairmanSale9,078$239.16$2.2MForm 4
Aug 25, 2026Fisher DavidExecutive ChairmanSale9,491$244.01$2.3MForm 4
Jul 15, 2026Fisher DavidExecutive ChairmanSale11,494$231.45$2.7MForm 4
Jul 14, 2026Fisher DavidExecutive ChairmanSale17,006$231.51$3.9MForm 4
Jun 18, 2026TEBBE MARKDirectorSale20,000$201.37$4.0MForm 4
Jun 17, 2026Fisher DavidExecutive ChairmanSale33,060$199.05$6.6MForm 4
Jun 16, 2026GOODYEAR WILLIAM MDirectorSale3,500$188.02$658.1KForm 4
Jun 1, 2026GOODYEAR WILLIAM MDirectorSale5,983$163.13$976.0KForm 4
May 29, 2026RICE LINDA JOHNSONDirectorSale1,300$161.20$209.6KForm 4
May 22, 2026Fisher DavidExecutive ChairmanSale3,076$158.45$487.4KForm 4
May 21, 2026Fisher DavidExecutive ChairmanSale7,180$160.37$1.2MForm 4
May 18, 2026GOODYEAR WILLIAM MDirectorSale6,231$166.08$1.0MForm 4
May 7, 2026Fisher DavidExecutive ChairmanSale20,000$173.18$3.5MForm 4
Apr 28, 2026Cunningham Steven EChief Executive OfficerSale7,852$175.50$1.4MForm 4
Feb 18, 2026Fisher DavidExecutive ChairmanSale7,143$149.49$1.1MForm 4
Feb 2, 2026Gray James ADirectorSale10,000$172.22$1.7MForm 4
Feb 2, 2026TEBBE MARKDirectorSale20,000$172.24$3.4MForm 4
Feb 2, 2026Gray James ADirectorSale19,999$172.04$3.4MForm 4
Jan 30, 2026Cunningham Steven EChief Executive OfficerSale3,016$165.25$498.4KForm 4

All 102 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.4,164,846$1.0B0.0%+104,453
Vanguard Capital Management LLC1,063,968$256.1M0.0%−1,169
State Street Corp1,014,929$244.3M0.0%+49,926
Invesco Ltd.941,183$226.6M0.0%+52,996
Dimensional Fund Advisors LP880,279$211.9M0.0%−176,435
Fmr LLC868,413$209.1M0.0%+264,859
Vanguard Portfolio Management LLC831,027$200.1M0.0%−35,423
Renaissance Technologies LLC777,294$187.1M0.3%+27,200
Geode Capital Management, LLC707,535$170.4M0.0%+38,910
Franklin Resources Inc563,498$135.7M0.0%−4,332
American Century Companies Inc415,103$99.9M0.0%+81,609
Empyrean Capital Partners, LP391,000$94.1M3.6%−3,064
Charles Schwab Investment Management Inc388,643$93.6M0.0%−12,110
Morgan Stanley355,027$85.5M0.0%+13,120
Northern Trust Corp296,864$71.5M0.0%+19,234
Jpmorgan Chase & Co293,663$69.5M0.0%+73,049
Goldman Sachs Group Inc281,905$67.9M0.0%−132,058
No Street GP LP275,000$66.2M4.0%−12,500
Park West Asset Management LLC249,213$60.0M4.1%+2,950
Wellington Management Group Llp245,185$59.0M0.0%−9,037
Nuveen, LLC236,162$56.9M0.0%+117,968
Arrowstreet Capital, Limited Partnership227,531$54.8M0.0%+105,023
Amundi207,684$50.0M0.0%+83,002
Portolan Capital Management, LLC198,795$47.9M1.8%+117,872
Principal Financial Group Inc196,172$47.2M0.0%+7,817

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Dec 29, 2021Bill HagertyRepublican, SenateSale$15,001 - $50,000−273.8%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

Sources

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