Enova International, Inc. (ENVA) FY2025 10-K Annual Report
Enova International, Inc. (ENVA) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 20, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Enova International, Inc. FY2025 10-K Analysis
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
Enova International, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$3.2B
▲ +18.6% YoY
Net Income
$308M
▲ +47.2% YoY
Gross Margin
58.1%
▲ +53bp YoY
Operating Margin
23.5%
▲ +146bp YoY
Net Margin
9.8%
▲ +190bp YoY
ROE
23.1%
▲ +557bp YoY
Total Assets
$6.5B
▲ +22.8% YoY
EPS (Diluted)
$11.52
▲ +55.0% YoY
Operating Cash Flow
$1.8B
▲ +18.2% YoY
Source: XBRL data from Enova International, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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