Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 | 2017-06-30 | 2017-03-31 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-12-31 | 2015-09-30 | 2015-06-30 | 2015-03-31 | 2014-12-31 | 2014-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets | |||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 53,600,000 | 55,560,000 | 55,514,000 | 73,910,000 | 67,500,000 | 60,138,000 | 76,458,000 | 54,357,000 | 62,908,000 | 100,042,000 | 97,680,000 | 100,165,000 | 87,727,000 | 144,090,000 | 131,692,000 | 165,477,000 | 229,088,000 | 394,353,000 | 324,328,000 | 297,273,000 | 490,033,000 | 321,472,000 | 161,076,000 | 35,895,000 | 69,945,000 | 65,503,000 | 92,829,000 | 52,917,000 | 164,122,000 | 47,414,000 | 69,900,000 | 68,684,000 | 110,054,000 | 46,209,000 | 97,030,000 | 39,934,000 | 45,681,000 | 39,167,000 | 112,211,000 | 42,066,000 | 34,310,000 | 96,237,000 | 143,444,000 | 75,106,000 | 104,241,000 |
restricted cash | 303,365,000 | 323,883,000 | 256,342,000 | 248,758,000 | 186,880,000 | 211,167,000 | 152,469,000 | 323,082,000 | 133,413,000 | 161,619,000 | 190,713,000 | 78,235,000 | 84,412,000 | 69,664,000 | 96,150,000 | 60,406,000 | 59,053,000 | 52,806,000 | 49,879,000 | 71,927,000 | 45,017,000 | 43,547,000 | 42,742,000 | 45,069,000 | 20,719,000 | 22,962,000 | 25,391,000 | 24,342,000 | 20,897,000 | 28,863,000 | 34,765,000 | ||||||||||||||
loans and finance receivables at fair value | 5,012,853,000 | 4,773,315,000 | 4,569,819,000 | 4,386,444,000 | 4,134,440,000 | 3,939,159,000 | 3,795,210,000 | 3,629,167,000 | 3,321,062,000 | 3,092,445,000 | 3,003,366,000 | 3,018,528,000 | 2,765,123,000 | 2,460,851,000 | 2,231,884,000 | 1,964,690,000 | 1,635,282,000 | 1,408,703,000 | 1,230,711,000 | 1,241,506,000 | 693,370,000 | 799,662,000 | 1,093,207,000 | ||||||||||||||||||||||
income taxes receivable | 55,124,000 | 35,586,000 | 48,117,000 | 40,690,000 | 66,290,000 | 68,732,000 | 85,424,000 | 44,129,000 | 65,664,000 | 32,653,000 | 37,884,000 | 43,741,000 | 40,609,000 | 44,597,000 | 56,572,000 | 51,104,000 | 4,799,000 | 337,000 | 10,510,000 | 35,487,000 | 32,859,000 | 12,727,000 | 12,693,000 | 20,672,000 | 28,914,000 | 45,639,000 | 3,006,000 | 4,092,000 | 9,319,000 | 13,410,000 | 3,004,000 | 7,436,000 | 5,503,000 | 5,683,000 | 14,000 | ||||||||||
other receivables and prepaid expenses | 76,941,000 | 78,045,000 | 71,617,000 | 63,752,000 | 68,926,000 | 71,172,000 | 65,963,000 | 71,982,000 | 58,624,000 | 57,758,000 | 55,478,000 | 66,267,000 | 59,470,000 | 58,859,000 | 60,151,000 | 52,274,000 | 52,975,000 | 48,476,000 | 41,630,000 | 40,301,000 | 25,117,000 | 28,541,000 | 33,530,000 | 31,643,000 | 39,549,000 | 34,459,000 | 29,354,000 | 29,983,000 | 25,699,000 | 25,373,000 | 22,164,000 | 23,817,000 | 23,796,000 | 22,006,000 | 18,059,000 | 19,524,000 | 18,649,000 | 18,468,000 | 18,810,000 | 20,049,000 | 19,778,000 | 15,381,000 | |||
property and equipment | 128,690,000 | 127,686,000 | 124,791,000 | 119,956,000 | 117,970,000 | 115,061,000 | 111,678,000 | 108,705,000 | 103,911,000 | 99,073,000 | 95,413,000 | 93,228,000 | 89,375,000 | 88,648,000 | 81,031,000 | 78,402,000 | 81,149,000 | 80,430,000 | 78,899,000 | 79,417,000 | 63,403,000 | 60,030,000 | 56,216,000 | 54,540,000 | 54,951,000 | 52,878,000 | 50,522,000 | 49,553,000 | 48,514,000 | 47,752,000 | 47,698,000 | 48,525,000 | 46,557,000 | 44,329,000 | 44,279,000 | 47,100,000 | 47,486,000 | 47,206,000 | 45,740,000 | 48,055,000 | 48,814,000 | 50,549,000 | 40,257,000 | 33,985,000 | 35,598,000 |
operating lease right-of-use assets | 17,167,000 | 17,781,000 | 17,607,000 | 12,705,000 | 13,180,000 | 13,651,000 | 15,984,000 | 16,488,000 | 12,398,000 | 20,273,000 | 21,301,000 | 22,507,000 | 36,105,000 | 37,752,000 | 39,159,000 | 20,370,000 | 20,302,000 | 19,981,000 | 20,260,000 | 20,813,000 | 21,453,000 | ||||||||||||||||||||||||
goodwill | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 279,275,000 | 267,974,000 | 267,868,000 | 267,868,000 | 267,868,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,013,000 | 267,015,000 | 267,015,000 | 267,012,000 | 267,011,000 | 267,010,000 | 267,012,000 | 267,013,000 | 267,012,000 | 267,008,000 | 271,568,000 | 270,246,000 | 255,856,000 | 255,862,000 | 255,865,000 |
intangible assets | 4,910,000 | 6,923,000 | 8,937,000 | 10,951,000 | 12,964,000 | 14,978,000 | 16,991,000 | 19,005,000 | 21,019,000 | 23,032,000 | 25,046,000 | 27,390,000 | 29,403,000 | 31,417,000 | 33,431,000 | 35,444,000 | 37,458,000 | 39,472,000 | 41,155,000 | 26,008,000 | 1,623,000 | 1,650,000 | 1,918,000 | 2,185,000 | 2,452,000 | 2,720,000 | 2,987,000 | 3,255,000 | 3,523,000 | 3,790,000 | 4,058,000 | 4,325,000 | 4,593,000 | 4,865,000 | 5,136,000 | 5,404,000 | 5,675,000 | 5,946,000 | 6,221,000 | 6,540,000 | 3,698,000 | 3,705,000 | 33,000 | 39,000 | 18,000 |
other assets | 30,312,000 | 26,699,000 | 25,239,000 | 24,194,000 | 28,746,000 | 44,229,000 | 39,408,000 | 41,583,000 | 41,193,000 | 45,522,000 | 49,739,000 | 54,713,000 | 53,747,000 | 54,468,000 | 54,451,000 | 51,310,000 | 52,315,000 | 53,185,000 | 48,606,000 | 43,546,000 | 27,363,000 | 25,391,000 | 21,276,000 | 22,912,000 | 11,907,000 | 11,844,000 | 12,342,000 | 12,262,000 | 12,078,000 | 9,862,000 | 9,526,000 | 8,837,000 | 10,842,000 | 13,406,000 | 9,821,000 | 11,051,000 | 8,439,000 | 8,478,000 | 8,636,000 | 28,041,000 | 27,398,000 | 28,340,000 | 28,513,000 | 29,536,000 | 21,712,000 |
total assets | 5,962,237,000 | 5,724,753,000 | 5,457,258,000 | 5,266,131,000 | 4,975,696,000 | 4,817,091,000 | 4,636,527,000 | 4,585,536,000 | 4,103,053,000 | 3,907,907,000 | 3,846,992,000 | 3,780,889,000 | 3,509,414,000 | 3,253,170,000 | 3,047,144,000 | 2,761,483,000 | 2,467,499,000 | 2,394,789,000 | 2,133,642,000 | 2,108,075,000 | 1,634,164,000 | 1,578,973,000 | 1,733,301,000 | 1,574,352,000 | 1,500,677,000 | 1,383,467,000 | 1,338,419,000 | 1,328,185,000 | 1,426,268,000 | 1,183,204,000 | 1,158,200,000 | 1,159,460,000 | 1,139,778,000 | 1,001,869,000 | 985,413,000 | 977,879,000 | 975,079,000 | 910,869,000 | 915,176,000 | 880,870,000 | 820,154,000 | 803,558,000 | 782,553,000 | 760,197,000 | 760,438,000 |
liabilities and stockholders’ equity | |||||||||||||||||||||||||||||||||||||||||||||
accounts payable and accrued expenses | 252,914,000 | 257,509,000 | 237,420,000 | 249,970,000 | 259,535,000 | 333,972,000 | 290,603,000 | 261,156,000 | 275,160,000 | 229,315,000 | 177,869,000 | 198,320,000 | 168,978,000 | 169,530,000 | 136,944,000 | 156,102,000 | 124,584,000 | 140,571,000 | 108,982,000 | 124,071,000 | 76,526,000 | 87,691,000 | 95,893,000 | 122,163,000 | 122,212,000 | 118,195,000 | 87,434,000 | 89,317,000 | 76,188,000 | 72,406,000 | 70,473,000 | 77,123,000 | 78,897,000 | 62,799,000 | 70,485,000 | 71,671,000 | 85,433,000 | 75,175,000 | 74,278,000 | 72,141,000 | 79,081,000 | 70,735,000 | 54,175,000 | 57,277,000 | 71,373,000 |
operating lease liabilities | 32,247,000 | 32,654,000 | 32,144,000 | 26,346,000 | 26,511,000 | 26,959,000 | 27,136,000 | 28,384,000 | 25,695,000 | 35,320,000 | 36,962,000 | 39,085,000 | 61,985,000 | 64,233,000 | 66,090,000 | 35,258,000 | 35,605,000 | 35,783,000 | 36,770,000 | 37,696,000 | 38,731,000 | ||||||||||||||||||||||||
deferred tax liabilities | 286,930,000 | 242,421,000 | 233,693,000 | 223,590,000 | 217,387,000 | 114,959,000 | 127,887,000 | 113,350,000 | 96,942,000 | 103,852,000 | 108,294,000 | 104,169,000 | 99,312,000 | 97,932,000 | 96,414,000 | 86,943,000 | 71,297,000 | 66,740,000 | 61,070,000 | 48,129,000 | 69,874,000 | 72,869,000 | 71,679,000 | 48,683,000 | 33,980,000 | 35,619,000 | 41,132,000 | 33,171,000 | 46,321,000 | 14,322,000 | 17,087,000 | 12,108,000 | 20,681,000 | 25,753,000 | 25,338,000 | 14,316,000 | 16,233,000 | 19,677,000 | 28,879,000 | 49,494,000 | 47,107,000 | 42,508,000 | 47,766,000 | 47,953,000 | 45,657,000 |
long-term debt | 4,106,471,000 | 3,963,514,000 | 3,757,351,000 | 3,563,482,000 | 3,293,735,000 | 3,194,121,000 | 3,040,867,000 | 2,943,805,000 | 2,442,784,000 | 2,297,026,000 | 2,314,381,000 | 2,258,660,000 | 2,059,577,000 | 1,840,665,000 | 1,696,751,000 | 1,384,399,000 | 1,075,380,000 | 1,028,488,000 | 874,514,000 | 946,461,000 | 863,472,000 | 906,588,000 | 1,091,732,000 | 991,181,000 | 873,744,000 | 785,504,000 | 791,908,000 | 857,929,000 | 951,091,000 | 762,831,000 | 754,650,000 | 788,542,000 | 765,395,000 | 638,749,000 | 631,117,000 | 649,911,000 | 635,179,000 | 588,824,000 | 594,414,000 | 553,267,000 | 494,690,000 | 494,516,000 | 494,347,000 | 494,181,000 | 494,021,000 |
total liabilities | 4,678,562,000 | 4,496,098,000 | 4,260,608,000 | 4,069,207,000 | 3,797,003,000 | 3,669,563,000 | 3,486,316,000 | 3,345,353,000 | 2,842,022,000 | 2,658,577,000 | 2,626,239,000 | 2,594,744,000 | 2,363,187,000 | 2,145,089,000 | 1,969,194,000 | 1,668,431,000 | 1,333,246,000 | 1,300,032,000 | 1,128,034,000 | 1,189,241,000 | 1,060,469,000 | 1,102,753,000 | 1,295,087,000 | 1,197,739,000 | 1,066,706,000 | 977,014,000 | 959,205,000 | 980,417,000 | 1,073,600,000 | 849,559,000 | 842,467,000 | 877,773,000 | 864,973,000 | 727,301,000 | 726,940,000 | 736,180,000 | 741,994,000 | 686,588,000 | 697,571,000 | 674,902,000 | 620,878,000 | 608,472,000 | 604,733,000 | 606,213,000 | 624,525,000 |
commitments and contingencies | |||||||||||||||||||||||||||||||||||||||||||||
stockholders’ equity: | |||||||||||||||||||||||||||||||||||||||||||||
common stock | |||||||||||||||||||||||||||||||||||||||||||||
preferred stock, 0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding | |||||||||||||||||||||||||||||||||||||||||||||
additional paid in capital | 359,054,000 | 346,926,000 | 337,679,000 | 328,268,000 | 318,223,000 | 308,481,000 | 298,191,000 | 284,256,000 | 274,053,000 | 266,058,000 | 258,806,000 | 251,878,000 | 245,092,000 | 239,187,000 | 233,437,000 | 225,689,000 | 217,051,000 | 211,548,000 | 203,765,000 | 187,981,000 | 74,868,000 | 71,100,000 | 67,440,000 | 63,791,000 | 61,477,000 | 56,910,000 | 51,638,000 | 48,175,000 | 44,657,000 | 39,335,000 | 32,671,000 | 29,781,000 | 26,749,000 | 23,753,000 | 20,766,000 | 18,446,000 | 16,338,000 | 14,073,000 | 11,892,000 | 9,924,000 | 6,835,000 | 4,210,000 | 2,006,000 | 294,000 | |
retained earnings | 1,927,162,000 | 1,846,848,000 | 1,770,699,000 | 1,697,754,000 | 1,634,059,000 | 1,590,645,000 | 1,536,734,000 | 1,488,306,000 | 1,453,538,000 | 1,412,253,000 | 1,364,108,000 | 1,313,185,000 | 1,262,313,000 | 1,210,605,000 | 1,158,204,000 | 1,105,761,000 | 1,057,111,000 | 1,005,563,000 | 925,386,000 | 849,466,000 | 618,775,000 | 525,108,000 | 477,082,000 | 372,681,000 | 423,234,000 | 396,149,000 | 371,086,000 | 336,415,000 | 327,744,000 | 312,440,000 | 294,215,000 | 264,695,000 | 257,812,000 | 261,180,000 | 249,307,000 | 235,455,000 | 226,741,000 | 218,904,000 | 210,716,000 | 200,853,000 | 196,672,000 | 192,255,000 | 181,391,000 | 156,861,000 | 134,975,000 |
accumulated other comprehensive loss | -7,872,000 | -8,853,000 | -10,782,000 | -13,691,000 | -9,422,000 | -10,749,000 | -7,234,000 | -6,264,000 | -7,203,000 | -5,988,000 | -7,337,000 | -5,990,000 | -7,255,000 | -7,481,000 | -5,074,000 | -8,540,000 | -8,185,000 | -6,011,000 | -8,498,000 | -6,898,000 | -8,547,000 | -8,599,000 | -7,807,000 | -3,066,000 | -17,158,000 | -14,774,000 | -12,251,000 | -13,805,000 | -12,468,000 | -10,905,000 | -4,322,000 | -7,086,000 | -7,017,000 | -9,069,000 | -10,440,000 | -11,578,000 | -9,692,000 | -8,447,000 | -4,758,000 | -4,622,000 | |||||
treasury stock | -994,669,000 | -956,266,000 | -900,946,000 | -815,407,000 | -764,167,000 | -740,849,000 | -677,480,000 | -526,115,000 | -459,357,000 | -422,993,000 | -394,824,000 | -372,928,000 | -353,923,000 | -334,230,000 | -308,617,000 | -229,858,000 | -133,041,000 | -117,439,000 | -115,787,000 | -113,201,000 | -111,401,000 | -111,389,000 | -98,501,000 | -56,793,000 | -33,582,000 | -31,832,000 | -31,259,000 | -23,017,000 | -7,265,000 | -7,225,000 | -6,831,000 | -5,703,000 | -2,739,000 | -1,296,000 | -1,160,000 | -624,000 | -302,000 | -249,000 | -245,000 | -187,000 | |||||
total stockholders’ equity | 1,283,675,000 | 1,228,655,000 | 1,196,650,000 | 1,178,693,000 | 1,147,528,000 | 1,150,211,000 | 1,261,031,000 | 1,249,330,000 | 1,220,753,000 | 1,146,227,000 | 1,108,081,000 | 1,077,950,000 | 1,134,253,000 | 1,094,757,000 | 1,005,608,000 | 205,968,000 | |||||||||||||||||||||||||||||
total liabilities and stockholders’ equity | 5,962,237,000 | 5,724,753,000 | 5,457,258,000 | 4,975,696,000 | 4,817,091,000 | 4,636,527,000 | 4,103,053,000 | 3,907,907,000 | 3,846,992,000 | 3,509,414,000 | 3,253,170,000 | 3,047,144,000 | 2,467,499,000 | 2,394,789,000 | 2,133,642,000 | 880,870,000 | |||||||||||||||||||||||||||||
operating lease right-of-use asset | 18,201,000 | 14,251,000 | 19,347,000 | 23,101,000 | 40,123,000 | 19,586,000 | |||||||||||||||||||||||||||||||||||||||
liabilities and stockholders' equity | |||||||||||||||||||||||||||||||||||||||||||||
operating lease liability | 32,165,000 | 27,042,000 | 33,595,000 | 40,987,000 | 67,956,000 | 35,712,000 | |||||||||||||||||||||||||||||||||||||||
stockholders' equity: | |||||||||||||||||||||||||||||||||||||||||||||
total stockholders' equity | 1,196,924,000 | 1,240,183,000 | 1,186,145,000 | 1,093,052,000 | 918,834,000 | 573,695,000 | 476,220,000 | 438,214,000 | 376,613,000 | 433,971,000 | 406,453,000 | 379,214,000 | 347,768,000 | 352,668,000 | 333,645,000 | 315,733,000 | 281,687,000 | 274,805,000 | 274,568,000 | 258,473,000 | 241,699,000 | 233,085,000 | 224,281,000 | 217,605,000 | 199,276,000 | 195,086,000 | 177,820,000 | 153,984,000 | |||||||||||||||||
total liabilities and stockholders' equity | 5,266,131,000 | 4,585,536,000 | 3,780,889,000 | 2,761,483,000 | 2,108,075,000 | 1,634,164,000 | 1,578,973,000 | 1,733,301,000 | 1,574,352,000 | 1,500,677,000 | 1,383,467,000 | 1,338,419,000 | 1,328,185,000 | 1,426,268,000 | 1,183,204,000 | 1,158,200,000 | 1,159,460,000 | 1,139,778,000 | 1,001,869,000 | 985,413,000 | 977,879,000 | 975,079,000 | 910,869,000 | 915,176,000 | 820,154,000 | 803,558,000 | 782,553,000 | 760,197,000 | |||||||||||||||||
total enova international, inc. stockholders’ equity | 1,146,227,000 | 1,108,081,000 | 1,077,950,000 | 1,132,936,000 | 1,093,661,000 | 1,004,866,000 | |||||||||||||||||||||||||||||||||||||||
noncontrolling interest | 1,317,000 | 1,096,000 | 742,000 | 1,486,000 | |||||||||||||||||||||||||||||||||||||||||
income taxes currently payable | 17,378,000 | 2,624,000 | 15,339,000 | 257,000 | 282,000 | 5,149,000 | 2,912,000 | 713,000 | 8,445,000 | 6,802,000 | |||||||||||||||||||||||||||||||||||
total enova international, inc. stockholders' equity | 1,093,052,000 | 917,348,000 | |||||||||||||||||||||||||||||||||||||||||||
loans and finance receivables | 1,062,650,000 | 1,001,154,000 | 892,582,000 | 815,856,000 | 859,946,000 | 838,783,000 | 750,131,000 | 703,076,000 | 704,705,000 | 637,736,000 | 563,996,000 | 515,463,000 | 561,550,000 | 542,865,000 | 489,990,000 | 428,202,000 | 434,633,000 | 380,805,000 | 317,454,000 | ||||||||||||||||||||||||||
loans and finance receivables at amortized cost | |||||||||||||||||||||||||||||||||||||||||||||
assets from discontinued operations | |||||||||||||||||||||||||||||||||||||||||||||
liabilities from discontinued operations | |||||||||||||||||||||||||||||||||||||||||||||
restricted cash and cash equivalents | 29,460,000 | 29,866,000 | 26,636,000 | 25,610,000 | 26,306,000 | 39,272,000 | 34,601,000 | 20,908,000 | |||||||||||||||||||||||||||||||||||||
deferred tax assets | 28,975,000 | 28,100,000 | 21,646,000 | 19,728,000 | 25,427,000 | 26,558,000 | |||||||||||||||||||||||||||||||||||||||
related party payable | 13,369,000 | ||||||||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive income | -4,231,000 | -1,379,000 | -5,577,000 | -3,171,000 | 938,000 | ||||||||||||||||||||||||||||||||||||||||
consumer loans | 279,055,000 | 323,611,000 | 303,694,000 | ||||||||||||||||||||||||||||||||||||||||||
prepaid expenses and other assets | 15,667,000 | 16,631,000 | 12,738,000 | ||||||||||||||||||||||||||||||||||||||||||
other liabilities | 105,000 | ||||||||||||||||||||||||||||||||||||||||||||
current assets: | |||||||||||||||||||||||||||||||||||||||||||||
total current assets | 440,775,000 | 447,245,000 | |||||||||||||||||||||||||||||||||||||||||||
current liabilities: | |||||||||||||||||||||||||||||||||||||||||||||
total current liabilities | 64,079,000 | 84,742,000 | |||||||||||||||||||||||||||||||||||||||||||
liabilities and stockholder’s equity | |||||||||||||||||||||||||||||||||||||||||||||
stockholder’s equity: | |||||||||||||||||||||||||||||||||||||||||||||
total stockholder’s equity | 135,913,000 | ||||||||||||||||||||||||||||||||||||||||||||
total liabilities and stockholder’s equity | 760,438,000 |
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