Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $746M | $729M | $973M | $1.17B | $1.08B | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Revenue growth | — | -2.2% | 33.4% | 20.8% | -7.8% | 11.5% | 43.7% | 22.0% | 25.5% | 18.6% |
| Gross profit | $418M | $375M | $469M | $572M | $684M | $1.02B | $1.12B | $1.23B | $1.53B | $1.83B |
| Gross margin | 56.0% | 51.5% | 48.2% | 48.7% | 63.1% | 84.8% | 64.4% | 58.1% | 57.5% | 58.1% |
| Operating income | $121M | $116M | $176M | $248M | $358M | $413M | $384M | $422M | $585M | $739M |
| Operating margin | 16.3% | 15.9% | 18.0% | 21.1% | 33.0% | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% |
| Net income | $34.6M | $29.2M | $70.1M | $36.6M | $378M | $256M | $207M | $175M | $209M | $308M |
| Net margin | 4.6% | 4.0% | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
| EPS (diluted) | $1.03 | $0.86 | $1.99 | $1.06 | $11.70 | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $393M | $447M | $685M | $849M | $741M | $472M | $894M | $1.17B | $1.54B | $1.82B |
| Capital expenditures | $14.4M | $15.2M | $14.7M | $20.1M | $29.5M | $29.7M | $43.6M | $45.2M | $43.4M | $47.1M |
| Free cash flow | $379M | $432M | $670M | $829M | $711M | $442M | $850M | $1.12B | $1.50B | $1.77B |
| Share buybacks | $437K | $5.08M | $17.3M | $33.8M | $56.4M | $117M | $143M | $153M | $289M | $215M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $39.9M | $49.8M | $28.1M | $35.9M | $297M | $165M | $100M | $54.4M | $73.9M | $71.7M |
| Total assets | $978M | $1.16B | $1.33B | $1.57B | $2.11B | $2.76B | $3.78B | $4.59B | $5.27B | $6.47B |
| Total liabilities | $736M | $878M | $987M | $1.20B | $1.19B | $1.67B | $2.59B | $3.35B | $4.07B | $5.13B |
| Long-term debt | $650M | $789M | $858M | $991M | $946M | $1.38B | $2.26B | $2.94B | $3.56B | $4.50B |
| Shareholders' equity | $242M | $282M | $348M | $377M | $917M | $1.09B | $1.19B | $1.24B | $1.20B | $1.34B |
| Retained earnings | $235M | $265M | $336M | $373M | $849M | $1.11B | $1.31B | $1.49B | $1.70B | $2.01B |
| Shares (wtd avg diluted) | 33.5M | 34.1M | 35.2M | 34.4M | 32.3M | 37.7M | 33.5M | 31.9M | 28.2M | 26.8M |
Every figure is extracted from Enova International, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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