ENVA Enova International, Inc.
FY2025 10-K
Enova International, Inc. (ENVA) filed its fiscal year 2025 10-K annual report with the SEC on Feb 20, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
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
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
Financial SummaryXBRL
Revenue
$3.2B
Net Income
$308M
Gross Margin
58.1%
Operating Margin
23.5%
Net Margin
9.8%
ROE
23.1%
Total Assets
$6.5B
EPS (Diluted)
$11.52
Operating Cash Flow
$1.8B
Source: XBRL data from Enova International, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Enova International, Inc.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.