Enova International, Inc.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
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Consolidated Balance Sheets – December 31, 2025 and 2024
(dollars in thousands, except per share data)
| December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| Assets | ||
| Cash and cash equivalents(1) | $71,709 | $73,910 |
| Restricted cash(1) | 336,154 | 248,758 |
| Loans and finance receivables at fair value(1) | 5,471,544 | 4,386,444 |
| Income taxes receivable | 40,901 | 40,690 |
| Other receivables and prepaid expenses(1) | 80,870 | 63,752 |
| Property and equipment, net | 132,566 | 119,956 |
| Operating lease right-of-use asset | 16,549 | 18,201 |
| Goodwill | 279,275 | 279,275 |
| Intangible assets, net | 3,660 | 10,951 |
| Other assets(1) | 35,204 | 24,194 |
| Total assets | $6,468,432 | $5,266,131 |
| Liabilities and Stockholders' Equity | ||
| Accounts payable and accrued expenses(1) | $305,849 | $249,970 |
| Operating lease liability | 32,041 | 32,165 |
| Deferred tax liabilities, net | 295,437 | 223,590 |
| Long-term debt(1) | 4,498,381 | 3,563,482 |
| Total liabilities | 5,131,708 | 4,069,207 |
| Commitments and contingencies (Note 11) | ||
| Stockholders' equity: | ||
| Common stock, $0.00001 par value, 250,000,000 shares authorized, 47,441,228 and 46,520,916 shares issued and 24,715,608 and 25,808,096 outstanding as of December 31, 2025 and 2024, respectively | — | — |
| Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding | — | — |
| Additional paid in capital | 370,078 | 328,268 |
| Retained earnings | 2,006,143 | 1,697,754 |
| Accumulated other comprehensive loss | (9,500) | (13,691) |
| Treasury stock, at cost (22,725,620 and 20,712,820 shares as of December 31, 2025 and 2024, respectively) | (1,029,997) | (815,407) |
| Total stockholders' equity | 1,336,724 | 1,196,924 |
| Total liabilities and stockholders' equity | $6,468,432 | $5,266,131 |
(1)
Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.
(dollars in thousands, except per share data)
The following table presents the aggregated assets and liabilities of consolidated VIEs, which are included in the Consolidated Balance Sheets above. The assets in the table below may only be used to settle obligations of consolidated VIEs and are in excess of those obligations. See Note 15 for additional information.
| December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| Assets of consolidated VIEs, included in total assets above | ||
| Cash and cash equivalents | $672 | $348 |
| Restricted cash | 292,826 | 217,344 |
| Loans and finance receivables at fair value | 4,227,546 | 3,048,561 |
| Other receivables and prepaid expenses | 27 | 26 |
| Other assets | 7,547 | 9,832 |
| Total assets of consolidated VIEs | $4,528,618 | $3,276,111 |
| Liabilities of consolidated VIEs, included in total liabilities above | ||
| Accounts payable and accrued expenses | $12,960 | $11,300 |
| Long-term debt | 3,015,120 | 2,227,156 |
| Total liabilities of consolidated VIEs | $3,028,080 | $2,238,456 |
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