# Enova International, Inc. (ENVA) · Edgar & Edgarette company card

> Enova International (ENVA) grew revenue 18.6% in FY2025 to $3.2 billion, operating margin 23.5% against a -3.1% median for personal credit institutions, equity 20.7% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1529864 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/ENVA) · [JSON](https://www.pops4.com/boards/company/ENVA.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $3.2B |
| Revenue growth, 1 year | 18.6% |
| Revenue growth per year | 27.1% |
| Operating margin | 23.5% (prior year 22.0%) |
| Net margin | 9.8% |
| Operating cash flow | $1.8B |
| Capital spending | $47M |
| Free cash flow | $1.8B |
| Cash | $72M |
| Long-term debt | $4.5B |
| Total assets | $6.5B |
| Total equity | $1.3B |
| Equity ÷ assets | 20.7% |
| Return on equity | 23.1% |
| Dividend per share | $3.71 |
| Dividend years rising | 0 |

## Readings, computed from those figures

- Piotroski F: 6 of 9 (solid)
- Health Harbor boat: New ship · no warning signs
- Cash Compass: Cash cow later · growing fast, and already turning revenue into cash

## Edgarette's reading

Exposure: revenue $3.2B (FY2025), total debt $4.5B. Experience: revenue up 18.6% on the year, up 27.1% a year over 4 years; operating margin 23.5%, up from 22.0%. Soundness: equity 20.7% of assets, return on equity 23.1%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $3.3B and $4.2B next year (method v4.1: its own 4-year record of growth weighed at 50% against $1B–10B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $3.0B to $4.6B. A statistical range, not company guidance. Against peers (44 filers, $50M+ revenue, its industry group): operating margin 23.5% against a -3.1% median; growth 18.6% against 16.8%.

Range logged 2026-09-24, receipt 44913ba81274c379, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 1, latest 2026-07-10 ([filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526300931/0001193125-26-300931-index.htm))

## Recent filings

- 8-K · filed 2026-11-04 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526446479/0001193125-26-446479-index.htm)
- 8-K · filed 2026-11-03 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526445499/0001193125-26-445499-index.htm)
- 8-K · filed 2026-10-30 · 1.01 Entry into a Material Definitive Agreement; 2.03 Creation of a Direct Financial Obligation · [filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526441719/0001193125-26-441719-index.htm)
- 10-Q · filed 2026-10-22 · [filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526429122/0001193125-26-429122-index.htm)
- 8-K · filed 2026-10-22 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526428941/0001193125-26-428941-index.htm)
- 8-K · filed 2026-10-16 · 1.01 Entry into a Material Definitive Agreement; 1.02 Termination of a Material Definitive Agreement; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1529864/000119312526424282/0001193125-26-424282-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001529864.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1529864

## Cite

POPS4, Edgar & Edgarette: Enova International, Inc. (ENVA) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/ENVA. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.