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Enova International ENVA Q4 2025 Annual earnings

Reported January 27, 2026 · After market close

Revenue$839.4MBeat by $804.1K
EPS$3.46Beat by $0.29
Revenue estimate$838.6M
EPS estimate$3.17

Next report

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

Financials

Q4 2025

Income statement

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Revenue$839.4M+15.1%
Gross profit$501.9M+21.5%
Operating income$186.6M+20.3%
Net income$79.0M+24.0%
EPS (diluted)$2.99+30.6%

Balance sheet

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Cash & equivalents$71.7M-3.0%
Total debt$4.5B+26.0%
Total equity$1.3B+11.7%
Total assets$6.5B+22.8%

Cash flow

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Operating cash flow$498.8M+15.9%
CapEx$11.7M+14.9%
Free cash flow$487.1M+15.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.9B+55.0%
Enterprise value$8.35B+38.4%
P/E12.6×+0.6×
P/S1.2×+0.3×

Profitability

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Gross margin58.1%+0.5pp
Operating margin23.5%+1.5pp
Net margin9.8%+1.9pp
FCF margin56.2%0.0pp

Returns & leverage

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Return on equity24.3%+7.2pp
Debt / equity3.4×+0.4×

FAQ

When did Enova International report Q4 2025 earnings?
Enova International (ENVA) reported Q4 2025 earnings on January 27, 2026 after market close.
What were Enova International's Q4 2025 revenue and EPS?
Enova International reported revenue of $839.4M and eps of $3.46 for Q4 2025.
Did Enova International beat estimates in Q4 2025?
Revenue beat the consensus estimate of $838.6M by $804.1K. EPS beat the consensus estimate of $3.17 by $0.29.
How did Enova International's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 15.1% from $729.6M a year earlier and eps grew 32.6% from $2.61.
Where can I find Enova International's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-024499) and the 10-K periodic report (0001193125-26-060461) directly on SEC EDGAR. The filing index links above go to sec.gov.