Skip to content
Screener

Enova International ENVA Q2 2025 earnings

Reported July 24, 2025 · After market close

Revenue$764.0MMiss by $27.0M
EPS$3.23Beat by $0.26
Revenue estimate$791.1M
EPS estimate$2.97

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$1.0B
EPS estimate$4.46

Financials

Q2 2025

Income statement

See full
Revenue$764.0M+21.6%
Gross profit$441.5M+19.3%
Operating income$184.1M+26.9%
Net income$76.1M+41.2%
EPS (diluted)$2.86+48.2%

Balance sheet

See full
Cash & equivalents$55.6M-7.6%
Total debt$4.0B+24.1%
Total equity$1.2B+7.1%
Total assets$5.7B+18.8%

Cash flow

See full
Operating cash flow$447.4M+23.9%
CapEx$11.2M+1.2%
Free cash flow$436.1M+24.7%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$2.62B+55.0%
Enterprise value$6.56B+35.2%
P/E10.2×+0.7×
P/S0.9×+0.2×

Profitability

See full
Gross margin57.4%+0.1pp
Operating margin22.7%+2.6pp
Net margin8.7%+1.2pp
FCF margin55.4%+2.8pp

Returns & leverage

See full
Return on equity21.6%+6.7pp
Debt / equity3.3×+0.4×

FAQ

When did Enova International report Q2 2025 earnings?
Enova International (ENVA) reported Q2 2025 earnings on July 24, 2025 after market close.
What were Enova International's Q2 2025 revenue and EPS?
Enova International reported revenue of $764.0M and eps of $3.23 for Q2 2025.
Did Enova International beat estimates in Q2 2025?
Revenue missed the consensus estimate of $791.1M by $27.0M. EPS beat the consensus estimate of $2.97 by $0.26.
Where can I find Enova International's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000950170-25-098354) and the 10-Q periodic report (0000950170-25-098791) directly on SEC EDGAR. The filing index links above go to sec.gov.