Short answer
Enova International, Inc. (ENVA) filed its fiscal 2025 10-K annual report with the SEC on Feb 20, 2026. It reported revenue of $3.2B (+18.6% year over year) and net income of $308M.
- Top risk flagged: Legal risk from ongoing proceedings detailed in Note 11, “Commitments and Contingencies” with no specific case disclosed
FY2025 key financial metrics · XBRL
- Revenue
- $3.2B
- +18.6% YoY
- Net income
- $308M
- +47.2% YoY
- Operating margin
- 23.5%
- +1.5 pp YoY
- Gross margin
- 58.1%
- +0.5 pp YoY
- EPS (diluted)
- $11.52
- +55.0% YoY
- ROE
- 23.1%
- +5.6 pp YoY
- Operating cash flow
- $1.8B
- +18.2% YoY
Source: XBRL data from the Enova International, Inc. (ENVA) FY2025 10-K on SEC EDGAR. USD.
Enova International, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model not detailed; filing primarily references compliance and governance policies
- No new products, services, or segments introduced or emphasized this year
- Continued emphasis on insider trading policy and Code of Business Conduct and Ethics compliance
- Equity compensation plans include 2,571,451 securities exercisable at $31.01 average price and 2,760,776 securities available for future issuance
- No distinctive business operations information disclosed; filing focuses on proxy statement incorporation and compliance matters
Management Discussion & Analysis
- Revenue $3,151.7M, up 18.6% YoY ($2,657.8M in 2024); small business revenue +30.5%, consumer revenue +10.9%
- Income from operations $739.4M, up 26.5% YoY ($584.8M in 2024); operating margin 23.5% vs 22.0%, net income $308.4M vs $209.4M
- Best performing segment: Small business loans revenue $1,362.2M up 30.5%; Worst: Consumer loans revenue $1,748.1M up 10.9%
- Share repurchases totaled 278,560 shares at $126.17 average price; $383.4M available under repurchase plan; no dividend disclosed
- Management expects Grasshopper acquisition ($369M) to close H2 2026; key risks include regulatory compliance with CFPB Small Dollar Rule and Section 1071
Risk Factors
- Legal risk from ongoing proceedings detailed in Note 11, “Commitments and Contingencies” with no specific case disclosed
- Geopolitical exposure via leased São Paulo office supporting Brazilian operations amid regional economic uncertainty
- Operational vulnerability from reliance on leased facilities with no owned real property across all locations
- Competitive threat implied from evolving cybersecurity standards compared to industry peers requiring continual IT risk updates
- Financial risk from dividend policy constrained by debt covenants, earnings variability, and capital needs impacting shareholder returns
Generated from the filing text; verify against the original. How to read a 10-K
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