Income Statement

Revenue

+64%

+168%

10Y

Currency: USD

	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025	Dec-2025
Revenue
Interest Expense	22	30	38	47	53	53	53	55	59	61	66	67	68	70	74	76	79	81	79	79	78	76	76	76	79	79	87	86	85	85	77	79	85	97	116	137	157	175	195	217	242	271	290	305	317	327	339
Revenue	817 N/A	824 +1%	810 -2%	767 -5%	712 -7%	672 -6%	653 -3%	662 +1%	688 +4%	719 +4%	746 +4%	763 +2%	781 +2%	803 +3%	844 +5%	906 +7%	969 +7%	1 045 +8%	973 -7%	983 +1%	989 +1%	1 001 +1%	1 175 +17%	958 -18%	831 -13%	707 -15%	684 -3%	796 +16%	923 +16%	987 +7%	1 024 +4%	1 055 +3%	1 060 +1%	1 108 +5%	1 118 +1%	1 135 +2%	1 170 +3%	1 195 +2%	1 230 +3%	1 290 +5%	1 361 +5%	1 441 +6%	1 529 +6%	1 610 +5%	1 681 +4%	1 741 +4%	1 830 +5%
Gross Profit
Cost of Revenue	(310)	(293)	(267)	(239)	(214)	(206)	(217)	(248)	(272)	(302)	(328)	(340)	(355)	(367)	(397)	(423)	(465)	(521)	(503)	(514)	(516)	(514)	(603)	(440)	(317)	(154)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	507 N/A	531 +5%	543 +2%	528 -3%	498 -6%	466 -7%	436 -6%	414 -5%	416 +1%	417 +0%	418 +0%	423 +1%	426 +1%	436 +2%	447 +3%	482 +8%	504 +5%	524 +4%	469 -10%	469 0%	473 +1%	487 +3%	572 +18%	518 -9%	514 -1%	553 +7%	684 +24%	0 N/A	0 N/A	0 N/A	1 024 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A	0 N/A
Operating Income
Operating Expenses	(316)	(329)	(328)	(326)	(321)	(313)	(311)	(312)	(315)	(307)	(296)	(295)	(292)	(302)	(313)	(324)	(338)	(348)	(294)	(282)	(271)	(265)	(324)	(297)	(265)	(232)	(326)	(337)	(428)	(535)	(611)	(674)	(713)	(748)	(734)	(732)	(745)	(765)	(808)	(846)	(884)	(914)	(945)	(984)	(1 016)	(1 034)	(1 091)
Selling, General & Administrative	(300)	(311)	(309)	(306)	(301)	(294)	(293)	(295)	(299)	(291)	(281)	(280)	(278)	(288)	(298)	(310)	(323)	(332)	(280)	(268)	(257)	(251)	(309)	(283)	(251)	(218)	(307)	(315)	(402)	(504)	(576)	(636)	(674)	(708)	(697)	(694)	(706)	(728)	(770)	(808)	(845)	(876)	(904)	(945)	(976)	(991)	(1 049)
Depreciation & Amortization	(17)	(18)	(19)	(20)	(21)	(19)	(18)	(17)	(16)	(16)	(16)	(15)	(14)	(14)	(14)	(15)	(15)	(15)	(14)	(14)	(14)	(14)	(15)	(14)	(14)	(15)	(20)	(23)	(26)	(31)	(35)	(38)	(38)	(41)	(37)	(38)	(39)	(38)	(38)	(38)	(39)	(39)	(40)	(40)	(40)	(43)	(42)
Operating Income	190 N/A	202 +6%	215 +6%	202 -6%	177 -12%	153 -14%	124 -19%	102 -18%	101 -2%	110 +9%	122 +11%	128 +5%	134 +5%	134 0%	134 +1%	158 +18%	166 +5%	176 +6%	176 0%	187 +6%	202 +8%	222 +10%	248 +12%	221 -11%	250 +13%	321 +28%	358 +12%	459 +28%	495 +8%	453 -9%	413 -9%	380 -8%	347 -9%	359 +4%	384 +7%	402 +5%	425 +5%	430 +1%	422 -2%	444 +5%	477 +8%	527 +10%	585 +11%	626 +7%	665 +6%	708 +6%	739 +4%
Pre-Tax Income
Interest Income Expense	(23)	(31)	(39)	(48)	(53)	(53)	(54)	(54)	(57)	(59)	(64)	(67)	(68)	(70)	(74)	(78)	(81)	(83)	(82)	(80)	(78)	(76)	(76)	(77)	(79)	(79)	(86)	(85)	(83)	(82)	(74)	(77)	(77)	(90)	(110)	(131)	(159)	(177)	(195)	(217)	(241)	(286)	(308)	(323)	(334)	(327)	(337)
Non-Reccuring Items	0	0	0	0	0	0	0	0	0	0	0	0	0	(15)	(23)	(28)	(28)	(25)	(25)	(23)	(23)	(10)	(2)	0	0	(7)	163	156	155	162	(2)	(2)	(2)	(2)	(1)	(1)	(0)	(0)	(0)	(1)	(1)	(6)	(6)	(5)	(6)	(1)	(1)
Pre-Tax Income	167 N/A	171 +2%	177 +3%	154 -13%	124 -20%	99 -20%	71 -29%	48 -32%	44 -9%	51 +15%	57 +13%	61 +6%	66 +8%	49 -27%	38 -22%	52 +37%	57 +10%	68 +19%	69 +2%	85 +23%	101 +20%	135 +34%	170 +26%	145 -15%	171 +18%	235 +37%	435 +85%	530 +22%	568 +7%	533 -6%	337 -37%	302 -10%	268 -11%	267 0%	273 +2%	270 -1%	265 -2%	253 -5%	227 -10%	226 0%	235 +4%	235 0%	271 +15%	297 +9%	324 +9%	379 +17%	401 +6%
Net Income
Tax Provision	(60)	(62)	(65)	(58)	(47)	(37)	(27)	(19)	(17)	(21)	(23)	(22)	(24)	(17)	(16)	(16)	(15)	(7)	(16)	(20)	(24)	(45)	(42)	(39)	(47)	(47)	(57)	(82)	(87)	(94)	(80)	(68)	(62)	(62)	(65)	(64)	(63)	(61)	(52)	(54)	(57)	(55)	(62)	(64)	(69)	(87)	(93)
Income from Continuing Operations	108	109	112	96	76	62	44	29	27	30	35	39	42	31	22	36	42	61	53	64	77	90	128	106	124	188	378	449	481	439	257	234	205	205	207	206	202	191	175	173	178	180	209	234	256	293	308
Income to Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(0)	(0)	(1)	(1)	(1)	(1)	(0)	(0)	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)	108 N/A	109 +1%	112 +3%	96 -14%	76 -20%	62 -18%	44 -29%	29 -33%	27 -9%	30 +13%	35 +15%	39 +12%	42 +10%	31 -26%	29 -6%	43 +48%	50 +15%	68 +38%	70 +3%	77 +10%	84 +9%	96 +14%	37 -62%	7 -81%	30 +323%	97 +222%	378 +291%	448 +19%	481 +7%	438 -9%	256 -42%	233 -9%	205 -12%	205 +0%	207 +1%	206 -1%	202 -2%	191 -5%	175 -8%	173 -1%	178 +3%	180 +1%	209 +16%	234 +12%	256 +10%	293 +15%	308 +5%
EPS (Diluted)	3.26 N/A	3.3 +1%	3.38 +2%	2.91 -14%	2.31 -21%	1.88 -19%	1.33 -29%	0.89 -33%	0.81 -9%	0.91 +12%	1.03 +13%	1.15 +12%	1.25 +9%	0.92 -26%	0.85 -8%	1.25 +47%	1.4 +12%	1.91 +36%	1.99 +4%	2.24 +13%	2.43 +8%	2.77 +14%	1.06 -62%	0.21 -80%	0.98 +367%	3.17 +223%	11.71 +269%	11.95 +2%	12.61 +6%	11.53 -9%	6.79 -41%	6.67 -2%	6.11 -8%	6.21 +2%	6.19 0%	6.29 +2%	6.26 0%	5.99 -4%	5.49 -8%	5.85 +7%	6.38 +9%	6.43 +1%	7.43 +16%	8.62 +16%	9.61 +11%	11.08 +15%	11.52 +4%

Income Statement Balance Sheet Cash Flow Statement

Enova International Inc
NYSE:ENVA

Income Statement

Earnings Waterfall
Enova International Inc

Income Statement
Enova International Inc

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Enova International Inc NYSE:ENVA

Income Statement

Earnings Waterfall Enova International Inc

Income Statement Enova International Inc

See Also

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Enova International Inc
NYSE:ENVA

Earnings Waterfall
Enova International Inc

Income Statement
Enova International Inc