Enova International, Inc.

For the period ended Jun 30, 2025. Filed Jul 25, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2025 · Filed Jul 25, 2025

ENVA$168.85+0.3%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income – Three and Six Months Ended

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

Three Months Ended · Six Months Ended
	June 30,		June 30,
	2025	2024	2025	2024
Revenue	$764,043	$628,436	$1,509,584	$1,238,325
Change in Fair Value	(322,585)	(258,245)	(641,944)	(522,268)
Net Revenue	441,458	370,191	867,640	716,057
Operating Expenses
Marketing	142,848	120,765	282,139	231,332
Operations and technology	63,648	54,953	126,110	109,332
General and administrative	40,508	39,708	82,972	79,573
Depreciation and amortization	10,348	9,709	20,409	19,972
Total Operating Expenses	257,352	225,135	511,630	440,209
Income from Operations	184,106	145,056	356,010	275,848
Interest expense, net	(82,781)	(70,954)	(163,325)	(136,551)
Foreign currency transaction gain (loss)	134	(19)	(318)	(67)
Equity method investment income	613	—	733	—
Other nonoperating expenses	(1,019)	(521)	(1,019)	(1,013)
Income before Income Taxes	101,053	73,562	192,081	138,217
Provision for income taxes	24,904	19,651	42,987	35,878
Net income	$76,149	$53,911	$149,094	$102,339
Earnings Per Share
Earnings per common share:
Basic	$3.01	$2.00	$5.85	$3.71
Diluted	$2.86	$1.93	$5.51	$3.56
Weighted average common shares outstanding:
Basic	25,297	26,938	25,486	27,567
Diluted	26,646	27,941	27,062	28,722

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.