Overview
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- TickerENVA on NYSE2
- IndustryPersonal Credit Institutions2
- HeadquartersChicago, United States2
- Incorporated inDE3
- Business address175 West Jackson Blvd., Suite 600, Chicago, Il 606043
- Filer categoryLarge accelerated filer3
- Legal formCorporation2
- LEI549300O8XOCQSB49UO632
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressC/O Capitol Services, Inc., 19901 Dover, United States2
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Regions
United States brought in 97% of the revenue Enova International, Inc. broke down this way in fiscal 2025.
Regions by year
| Regions | 2023 | 2024 | 2025 |
|---|---|---|---|
| United States | $2.1B | $2.6B | $3.1B |
| Outside the United States | $30.1M | $53.3M | $79.1M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs77¢$2.4B
- Interest11¢$339.3M
- Income tax3¢$92.6M
- Profit10¢$308.4M
Out of $3.2B in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Share buybacks12¢$214.6M
- Kept or used elsewhere88¢$1.6B
Out of $1.8B of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | $3.2B | $2.7B | $2.1B |
| Change in Fair Value | -$1.3B | -$1.1B | -$887.7M |
| Net Revenue | $1.8B | $1.5B | $1.2B |
| Marketing | $621.1M | $523.6M | $414.5M |
| Operations and technology | $258.2M | $224.4M | $194.9M |
| General and administrative | $169.7M | $156.5M | $160.3M |
| Depreciation and amortization | $41.8M | $40.2M | $38.2M |
| Total Operating Expenses | $1.1B | $944.7M | $807.8M |
| Income from Operations | $739.4M | $584.8M | $422.1M |
| Interest expense, net | -$339.3M | -$290.4M | -$194.8M |
| Foreign currency transaction gain (loss) | $367.0K | -$1.1M | $57.0K |
| Equity method investment income (loss) | $1.6M | -$16.5M | $116.0K |
| Other nonoperating expenses | -$1.0M | -$5.7M | -$282.0K |
| Income before Income Taxes | $401.0M | $271.1M | $227.2M |
| Provision for income taxes | $92.6M | $61.7M | $52.1M |
| Net income | $308.4M | $209.4M | $175.1M |
| Basic | $12.25 | $7.78 | $5.71 |
| Diluted | $11.52 | $7.43 | $5.49 |
| Basic | 25.2M shares | 26.9M shares | 30.7M shares |
| Diluted | 26.8M shares | 28.2M shares | 31.9M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $71.7M | $73.9M | $54.4M |
| Restricted cash | $336.2M | $248.8M | $323.1M |
| Loans and finance receivables at fair value | $5.5B | $4.4B | $3.6B |
| Income taxes receivable | $40.9M | $40.7M | |
| Other receivables and prepaid expenses | $80.9M | $63.8M | |
| Property and equipment, net | $132.6M | $120.0M | |
| Operating lease right-of-use asset | $16.5M | $18.2M | |
| Goodwill | $279.3M | $279.3M | |
| Intangible assets, net | $3.7M | $11.0M | |
| Other assets | $35.2M | $24.2M | |
| Total assets | $6.5B | $5.3B | |
| Accounts payable and accrued expenses | $305.8M | $250.0M | |
| Operating lease liability | $32.0M | $32.2M | |
| Deferred tax liabilities, net | $295.4M | $223.6M | |
| Long-term debt | $4.5B | $3.6B | |
| Total liabilities | $5.1B | $4.1B | |
| 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 | $0 | $0 | |
| Additional paid in capital | $370.1M | $328.3M | |
| Retained earnings | $2.0B | $1.7B | |
| Accumulated other comprehensive loss | -$9.5M | -$13.7M | |
| Treasury stock, at cost (22,725,620 and 20,712,820 shares as of December 31, 2025 and 2024, respectively) | -$1.0B | -$815.4M | |
| Total stockholders' equity | $1.3B | $1.2B | |
| Total liabilities and stockholders' equity | $6.5B | $5.3B | |
| Common stock, par value per share | $0.00 | $0.00 | |
| Common stock, shares authorized | 250.0M shares | 250.0M shares | |
| Common stock, shares issued | 47.4M shares | 46.5M shares | |
| Common stock, shares outstanding | 24.7M shares | 25.8M shares | |
| Preferred stock, par value per share | $0.00 | $0.00 | |
| Preferred stock, shares authorized | 25.0M shares | 25.0M shares | |
| Preferred stock, shares issued | 0 shares | 0 shares | |
| Preferred stock, shares outstanding | 0 shares | 0 shares | |
| Treasury stock, Shares | 22.7M shares | 20.7M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $71.7M | $73.9M | $54.4M |
| Restricted cash | $336.2M | $248.8M | $323.1M |
| Loans and finance receivables at fair value | $5.5B | $4.4B | $3.6B |
| Income taxes receivable | $40.9M | $40.7M | |
| Other receivables and prepaid expenses | $80.9M | $63.8M | |
| Property and equipment, net | $132.6M | $120.0M | |
| Operating lease right-of-use asset | $16.5M | $18.2M | |
| Goodwill | $279.3M | $279.3M | |
| Intangible assets, net | $3.7M | $11.0M | |
| Other assets | $35.2M | $24.2M | |
| Total assets | $6.5B | $5.3B | |
| Accounts payable and accrued expenses | $305.8M | $250.0M | |
| Operating lease liability | $32.0M | $32.2M | |
| Deferred tax liabilities, net | $295.4M | $223.6M | |
| Long-term debt | $4.5B | $3.6B | |
| Total liabilities | $5.1B | $4.1B | |
| 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 | $0 | $0 | |
| Additional paid in capital | $370.1M | $328.3M | |
| Retained earnings | $2.0B | $1.7B | |
| Accumulated other comprehensive loss | -$9.5M | -$13.7M | |
| Treasury stock, at cost (22,725,620 and 20,712,820 shares as of December 31, 2025 and 2024, respectively) | -$1.0B | -$815.4M | |
| Total stockholders' equity | $1.3B | $1.2B | |
| Total liabilities and stockholders' equity | $6.5B | $5.3B | |
| Common stock, par value per share | $0.00 | $0.00 | |
| Common stock, shares authorized | 250.0M shares | 250.0M shares | |
| Common stock, shares issued | 47.4M shares | 46.5M shares | |
| Common stock, shares outstanding | 24.7M shares | 25.8M shares | |
| Preferred stock, par value per share | $0.00 | $0.00 | |
| Preferred stock, shares authorized | 25.0M shares | 25.0M shares | |
| Preferred stock, shares issued | 0 shares | 0 shares | |
| Preferred stock, shares outstanding | 0 shares | 0 shares | |
| Treasury stock, Shares | 22.7M shares | 20.7M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $308.4M | $209.4M | $175.1M |
| Depreciation and amortization | $41.8M | $40.2M | $38.2M |
| Amortization of deferred loan costs and debt discount | $16.6M | $15.8M | $10.1M |
| Change in fair value | $1.3B | $1.1B | $879.4M |
| Stock-based compensation expense | $33.1M | $31.8M | $26.7M |
| Write-down of equity method investment | $16.6M | ||
| Loss on early extinguishment of debt | $1.0M | $5.7M | $282.0K |
| Operating leases, net | $1.5M | $1.2M | -$1.5M |
| Deferred income taxes, net | $70.6M | $112.7M | $8.5M |
| Finance and service charges on loans and finance receivables | $1.4M | -$12.5M | -$44.2M |
| Other receivables, prepaid expenses and other assets | -$24.2M | $12.8M | $8.9M |
| Accounts payable and accrued expenses | $35.0M | $35.1M | $18.1M |
| Current income taxes receivable/payable | $20.5M | -$49.3M | $47.2M |
| Net cash provided by operating activities | $1.8B | $1.5B | $1.2B |
| Loans and finance receivables originated or acquired | -$7.2B | -$5.6B | -$4.3B |
| Loans and finance receivables repaid | $4.8B | $3.8B | $2.9B |
| Capitalization of software development costs and purchases of fixed assets | -$47.1M | -$43.4M | -$45.2M |
| Net cash used in investing activities | -$2.4B | -$1.9B | -$1.5B |
| Borrowings under revolving line of credit | $1.8B | $852.0M | $423.0M |
| Repayments under revolving line of credit | -$1.6B | -$755.0M | -$376.0M |
| Borrowings under securitization facilities | $1.7B | $1.6B | $1.0B |
| Repayments under securitization facilities | -$895.7M | -$1.0B | -$679.2M |
| Issuance of senior notes | $500.0M | $396.2M | |
| Repayments of senior notes | -$544.4M | -$81.1M | |
| Debt issuance costs paid | -$15.3M | -$28.1M | -$22.4M |
| Debt prepayment penalty paid | -$563.0K | ||
| Proceeds from exercise of stock options | $8.7M | $12.2M | $5.6M |
| Treasury shares purchased | -$214.6M | -$289.3M | -$153.2M |
| Net cash provided by financing activities | $711.8M | $318.9M | $526.5M |
| Effect of exchange rates on cash | $39.0K | -$1.0M | $287.0K |
| Net increase (decrease) in cash, cash equivalents and restricted cash | $85.2M | -$54.8M | $199.0M |
No quarter-by-quarter statement was filed.
Corporate structure
Enova International, Inc. sits at the top of its group. 105 entities, 5 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Enova International, Inc.
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on Enova International, Inc., latest Jul 31, 2026
- BlackRock Filed SCHEDULE 13G/A on Enova International, Inc., latest Apr 24, 2026 (7 filings since Jan 26, 2022)
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on Enova International, Inc., latest Mar 26, 2026 (5 filings since Feb 10, 2022)
- DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on Enova International, Inc., latest Oct 9, 2025 (5 filings since Feb 8, 2022)
- 683 Capital Management, LLC Filed SC 13G/A on Enova International, Inc., latest Feb 14, 2024 (2 filings since Feb 14, 2023)
- RENAISSANCE TECHNOLOGIES LLC Filed SC 13G/A on Enova International, Inc., latest Feb 10, 2022
- Enova International, Inc. Chicago, Illinois, United States
- │ │ │ │ └─── NC Financial Solutions of Utah, LLC Subsidiary · Utah, United States
- │ │ │ │ └─── Ondeck Receivables 2022, LLC Subsidiary · Delaware, United States
- │ │ │ │ └─── Receivable Assets of OnDeck, LLC Subsidiary · Delaware, United States
- │ │ │ │ ├─── CNU of Louisiana, LLC Subsidiary · Utah, United States
- │ │ │ │ ├─── NC Financial Solutions of Louisiana, LLC Subsidiary · Utah, United States
- │ │ │ │ ├─── Ondeck Asset Securitization IV, LLC Subsidiary · Delaware, United States
- │ │ │ │ ├─── Ondeck Receivables 2021, LLC Subsidiary · Delaware, United States
- │ │ │ └─── NetCredit LOC Receivables 2024, LLC Subsidiary · Delaware, United States
- │ │ │ └─── Tennessee CNU, LLC Subsidiary · Delaware, United States
- │ │ │ ├─── CashNet CSO of Maryland, LLC Subsidiary · Delaware, United States
- │ │ │ ├─── CNU of Alabama, LLC Subsidiary · Delaware, United States
- │ │ │ ├─── CNU of Idaho, LLC Subsidiary · Delaware, United States
- │ │ │ ├─── CNU of Kansas, LLC Subsidiary · Delaware, United States
- │ │ │ ├─── HWC Receivables 2023, LLC Subsidiary · Delaware, United States
- │ │ │ ├─┬─ CNU of Utah, LLC Subsidiary · Utah, United States
- │ │ │ ├─┬─ ODK Capital, LLC Subsidiary · Delaware, United States
- │ │ └─── CNU of Mexico 2, LLC Subsidiary · Mexico
- │ │ └─── EFR 2016-1, LLC Subsidiary · Delaware, United States
- │ │ └─── EFR 2018-1, LLC Subsidiary · Delaware, United States
- │ │ └─── Enova Card Services, LLC Subsidiary · Delaware, United States
- │ │ └─── LH1003 Servicos De Dados LTDA Subsidiary · Brazil
- │ │ └─── NC Financial Solutions of Wisconsin, LLC Subsidiary · Delaware, United States
- │ │ └─── NetCredit Combined Receivables 2023, LLC Subsidiary · Delaware, United States
- │ │ └─── NetCredit Combined Receivables 2024, LLC Subsidiary · Delaware, United States
- │ │ └─── NetCredit Combined Receivables A, LLC Subsidiary · Delaware, United States
- and 79 more
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Enova International, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $291.5M5 Dec 31, 2025 | $261.2M5 Dec 31, 2024 | +11.6% |
| Accumulated depreciation | $158.9M5 Dec 31, 2025 | $141.3M5 Dec 31, 2024 | +12.5% |
| Property and equipment, net | $132.6M5 Dec 31, 2025 | $120.0M5 Dec 31, 2024 | +10.5% |
| Operating-lease assets (leased space) | $16.5M5 Dec 31, 2025 | $18.2M5 Dec 31, 2024 | −9.1% |
Investments
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $279.3M5 Dec 31, 2025 | $279.3M5 Dec 31, 2024 | 0% |
| Intangible assets, net (excluding goodwill) | $3.7M5 Dec 31, 2025 | $11.0M5 Dec 31, 2024 | −66.6% |
| Finite-lived intangibles, gross | $43.9M5 Dec 31, 2025 | $43.9M5 Dec 31, 2024 | 0% |
| Accumulated amortization | $40.2M5 Dec 31, 2025 | $32.9M5 Dec 31, 2024 | +22.2% |
| Finite-lived intangibles, net | $3.7M5 Dec 31, 2025 | $11.0M5 Dec 31, 2024 | −66.6% |
Properties, in its own words
We lease our corporate headquarters, which is located in Chicago, Illinois. We maintain additional leased offices in (i) South Jordan, Utah focusing on consumer and small business application intake and support functions and small business underwriting functions, (ii) New York, New York and Denver, Colorado for primarily small business operations and (iii) São Paulo, for our Brazilian operations. We do not own any real property. We believe that our leased facilities are adequate to support our operations and that, as needed, we will be able to obtain suitable additional facilities on commercially reasonable terms.
Item 2 of the 10-K filed Feb 20, 2026.13
Leadership
Who has led Enova International, Inc., and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
- Chief executive officerSteven E. Cunningham Feb 3, 2026 to now14
- Chief financial officerScott Cornelis Jan 7, 2026 to now15
- Chief financial officerSteven E. Cunningham Jun 27, 2016 to Jan 7, 202616
- Chief financial officerRobert S. Clifton Oct 24, 2014 to May 19, 201617
- Chief operating officerGregory T. Zeeman Oct 28, 2015 to May 16, 201918
- Chief operating officerArad Levertov Dec 16, 2014 to Aug 24, 201519
Board members and other officers (18)
- Vice President, OperationsJames Cody Salters Jul 2, 2015 to Jul 5, 201720
- OfficerArad Levertov Oct 24, 2014 to Jan 20, 201621
- Vice President-OperationsDaniel Shteyn Oct 24, 2014 to May 19, 201622
- OfficerJoe Decosmo Oct 24, 2014 to Mar 3, 201723
- OfficerKirk Chartier Oct 24, 2014 to now24
- VP - Chief Compliance OfficerSean Rahilly Oct 24, 2014 to Jan 9, 201925
- Board memberMaria Veltre Jul 14, 2026 to now26
- Board memberLindsay Y. Corby Aug 13, 2024 to now27
- Board memberLinda Johnson Rice Sep 17, 2020 to now28
- Board memberSteven E. Cunningham Feb 15, 2019 to now29
- Board memberKirk Chartier Feb 27, 2017 to Mar 3, 201730
- Board memberMark McGowan Apr 11, 2016 to now31
- Board memberEllen Carnahan May 22, 2015 to now32
- Board memberDaniel R. Feehan Oct 24, 2014 to now33
- Board memberDavid C. Habiger Oct 24, 2014 to May 23, 201734
- Board memberMark Tebbe Oct 24, 2014 to now35
- Board memberWilliam M. Goodyear Oct 24, 2014 to now36
- General counselSean Rahilly Dec 18, 2018 to now37
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- │ │ │ │ └─── NC Financial Solutions of Utah, LLC Utah4
- │ │ │ │ └─── Ondeck Receivables 2022, LLC Delaware4
- │ │ │ │ └─── Receivable Assets of OnDeck, LLC Delaware4
- │ │ │ │ ├─── CNU of Louisiana, LLC Utah4
- │ │ │ │ ├─── NC Financial Solutions of Louisiana, LLC Utah4
- │ │ │ │ ├─── Ondeck Asset Securitization IV, LLC Delaware4
- │ │ │ │ ├─── Ondeck Receivables 2021, LLC Delaware4
- │ │ │ └─── NetCredit LOC Receivables 2024, LLC Delaware4
- │ │ │ └─── Tennessee CNU, LLC Delaware4
- │ │ │ ├─── CNU of Alabama, LLC Delaware4
- │ │ │ ├─── CNU of Idaho, LLC Delaware4
- │ │ │ ├─── CNU of Kansas, LLC Delaware4
- │ │ │ ├─── CashNet CSO of Maryland, LLC Delaware4
- │ │ │ ├─── HWC Receivables 2023, LLC Delaware4
- │ │ │ ├─┬─ CNU of Utah, LLC Utah4
- │ │ │ ├─┬─ ODK Capital, LLC Delaware4
- │ │ └─── CNU of Mexico 2, LLC Mexico4
- │ │ └─── EFR 2016-1, LLC Delaware4
- │ │ └─── EFR 2018-1, LLC Delaware4
- │ │ └─── Enova Card Services, LLC Delaware4
- │ │ └─── LH1003 Servicos De Dados LTDA Brazil4
- │ │ └─── NC Financial Solutions of Wisconsin, LLC Delaware4
- │ │ └─── NetCredit Combined Receivables 2023, LLC Delaware4
- │ │ └─── NetCredit Combined Receivables 2024, LLC Delaware4
All 106 listed subsidiaries
- │ │ └─── NetCredit Combined Receivables A, LLC Delaware4
- │ │ └─── NetCredit LOC Receivables 2025, LLC Delaware4
- │ │ └─── NetCredit LOC Receivables, LLC Delaware4
- │ │ └─── Pangea Latin America, S.A. de C.V. Mexico4
- │ │ └─── The Business Backer, LLC Delaware4
- │ │ └─┬─ Pangea Transfer Company, LLC Delaware4
- │ │ └─┬─ Pangea USA, LLC Delaware4
- │ │ ├─── CNU of Mexico 1, LLC Mexico4
- │ │ ├─── NC Financial Solutions of Alabama, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Arizona, LLC Delaware4
- │ │ ├─── NC Financial Solutions of California, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Delaware, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Georgia, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Idaho, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Illinois, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Mississippi, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Missouri, LLC Delaware4
- │ │ ├─── NC Financial Solutions of New Mexico, LLC Delaware4
- │ │ ├─── NC Financial Solutions of North Dakota, LLC Delaware4
- │ │ ├─── NC Financial Solutions of South Carolina, LLC Delaware4
- │ │ ├─── NC Financial Solutions of South Dakota, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Texas, LLC Delaware4
- │ │ ├─── NC Financial Solutions of Virginia, LLC Utah4
- │ │ ├─── Pangea Latin America, S.A. de C.V. Mexico4
- │ │ ├─┬─ Headway Capital, LLC Utah4
- │ │ ├─┬─ NetCredit LOC Funding 2024, LLC Delaware4
- │ └─── Align Balance, LLC Delaware4
- │ └─── Debit Plus Technologies, LLC Delaware4
- │ └─── The Check Giant NM LLC Delaware4
- │ └─┬─ Cumulus Funding, Inc. Delaware4
- │ └─┬─ On Deck Capital, Inc Delaware4
- │ ├─── CNU Loan Services, LLC Delaware4
- │ ├─── CNU of California, LLC Delaware4
- │ ├─── CNU of Delaware, LLC Delaware4
- │ ├─── CNU of Illinois, LLC Delaware4
- │ ├─── CNU of Indiana, LLC Delaware4
- │ ├─── CNU of Michigan, LLC Delaware4
- │ ├─── CNU of Mississippi, LLC Delaware4
- │ ├─── CNU of Missouri, LLC Delaware4
- │ ├─── CNU of Nevada, LLC Delaware4
- │ ├─── CNU of Oklahoma, LLC Delaware4
- │ ├─── CNU of South Carolina, LLC Delaware4
- │ ├─── CNU of Tennessee, LLC Delaware4
- │ ├─── CNU of Texas, LLC Delaware4
- │ ├─── CNU of Wisconsin, LLC Delaware4
- │ ├─── CashNetUSA of Florida, LLC Delaware4
- │ ├─── Debit Plus Payment Solutions, LLC Delaware4
- │ ├─── Debit Plus Services, LLC Delaware4
- │ ├─── EnovInd Investment, LLC Delaware4
- │ ├─── Enova International GEC, LLC Delaware4
- │ ├─── LH1003 Servicos De Dados LTDA Brazil4
- │ ├─── LH1010 Correspondente Bancário e Serviços Ltda. Brazil4
- │ ├─── Long Oak Finance, LLC Delaware4
- │ ├─── NetCredit Loan Services, LLC Delaware4
- │ ├─── NetCredit Receivables 2022, LLC Delaware4
- │ ├─── ODWS, LLC Delaware4
- │ ├─── ODX, LLC Delaware4
- │ ├─── Ohio Consumer Financial Solutions, LLC Delaware4
- │ ├─── OnDeck Asset Securitization Trust III, LLC Delaware4
- │ ├─── OnDeck Canada Holdings, Inc Delaware4
- │ ├─── OnDeck Capital Australia Pty Ltd Australia4
- │ ├─── OnDeck Capital UK, Ltd England4
- │ ├─┬─ CNU Global-1, LLC Delaware4
- │ ├─┬─ CNU Global-2, LLC Delaware4
- │ ├─┬─ Enova Brazil, LLC Delaware4
- │ ├─┬─ Enova Card HoldCo, LLC Delaware4
- │ ├─┬─ Enova Finance 5, LLC Delaware4
- │ ├─┬─ Enova SMB, LLC Delaware4
- │ ├─┬─ NC Financial Solutions, LLC Delaware4
- │ ├─┬─ NetCredit Finance, LLC Delaware4
- │ ├─┬─ NetCredit Funding 2023 A, LLC Delaware4
- │ ├─┬─ NetCredit Funding 2024 A, LLC Delaware4
- │ ├─┬─ NetCredit Funding A, LLC Delaware4
- │ ├─┬─ NetCredit Funding, LLC Delaware4
- │ ├─┬─ NetCredit LOC Funding 2025, LLC Delaware4
- │ ├─┬─ Pangea Intermediate, LLC Delaware4
- └─── Enova Financial Holdings, LLC Delaware4
- └─┬─ Enova Online Services, LLC Delaware4
- ├─┬─ Align Mint, LLC Delaware4
- ├─┬─ CNU Online Holdings, LLC Delaware4
- ├─┬─ Debit Plus, LLC Delaware4
- ├─┬─ Energy Intermediate, Inc Delaware4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Oct 13, 20268-K Entered a material agreement; New debt or obligation38
- Sep 25, 20268-K Entered a material agreement; New debt or obligation39
- Sep 17, 20268-K Entered a material agreement; New debt or obligation40
- Sep 15, 20268-K Regulation FD disclosure41
- Sep 14, 20268-K Regulation FD disclosure42
- Sep 9, 20268-K Regulation FD disclosure43
- Aug 21, 20268-K Entered a material agreement; New debt or obligation44
- Aug 14, 20268-K Entered a material agreement; New debt or obligation; Other events45
- Jul 23, 20268-K Results of operations46
- Jul 15, 20268-K Executive or director change47
- Jul 10, 20268-K Executive or director change48
- Jun 25, 20268-K Entered a material agreement; New debt or obligation49
- Feb 3, 2026New chief executive Steven E. Cunningham becomes CEO14
Calendar
Coming up
- Oct 22, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $3.11 a share, on Oct 23, 2025.50
When it reported results
- Jul 23, 2026Reported quarterly or annual results46
- Apr 23, 2026Reported quarterly or annual results51
- Jan 27, 2026Reported quarterly or annual results52
- Oct 23, 2025Reported quarterly or annual results53
- Jul 24, 2025Reported quarterly or annual results54
- Apr 29, 2025Reported quarterly or annual results55
- Feb 4, 2025Reported quarterly or annual results56
- Oct 22, 2024Reported quarterly or annual results57
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
596 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 95 major events, 306 insider forms, 21 large holders, 154 other. The latest 20:
- Oct 13, 20268-K EDGAR
- Sep 25, 20268-K EDGAR
- Sep 21, 20264 EDGAR
- Sep 17, 2026144 EDGAR
- Sep 17, 20268-K EDGAR
- Sep 15, 20268-K EDGAR
- Sep 14, 20268-K EDGAR
- Sep 9, 20268-K EDGAR
- Aug 27, 20264 EDGAR
- Aug 25, 2026144 EDGAR
- Aug 21, 20268-K EDGAR
- Aug 14, 20268-K EDGAR
- Aug 7, 20264 EDGAR
- Aug 7, 20264 EDGAR
- Aug 7, 20264 EDGAR
- Aug 7, 20264 EDGAR
- Aug 7, 20264 EDGAR
- Aug 7, 20264 EDGAR
- Jul 31, 2026SCHEDULE 13G EDGAR
- Jul 23, 202610-Q EDGAR
The 596 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
102 open-market trades by officers, directors and large owners since October 2021: 1 buys and 101 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 17, 2026 | Fisher DavidExecutive Chairman | Sale | 20,750 | $178.24 | $3.7M | Form 4 |
| Aug 26, 2026 | Fisher DavidExecutive Chairman | Sale | 9,078 | $239.16 | $2.2M | Form 4 |
| Aug 25, 2026 | Fisher DavidExecutive Chairman | Sale | 9,491 | $244.01 | $2.3M | Form 4 |
| Jul 15, 2026 | Fisher DavidExecutive Chairman | Sale | 11,494 | $231.45 | $2.7M | Form 4 |
| Jul 14, 2026 | Fisher DavidExecutive Chairman | Sale | 17,006 | $231.51 | $3.9M | Form 4 |
| Jun 18, 2026 | TEBBE MARKDirector | Sale | 20,000 | $201.37 | $4.0M | Form 4 |
| Jun 17, 2026 | Fisher DavidExecutive Chairman | Sale | 33,060 | $199.05 | $6.6M | Form 4 |
| Jun 16, 2026 | GOODYEAR WILLIAM MDirector | Sale | 3,500 | $188.02 | $658.1K | Form 4 |
| Jun 1, 2026 | GOODYEAR WILLIAM MDirector | Sale | 5,983 | $163.13 | $976.0K | Form 4 |
| May 29, 2026 | RICE LINDA JOHNSONDirector | Sale | 1,300 | $161.20 | $209.6K | Form 4 |
| May 22, 2026 | Fisher DavidExecutive Chairman | Sale | 3,076 | $158.45 | $487.4K | Form 4 |
| May 21, 2026 | Fisher DavidExecutive Chairman | Sale | 7,180 | $160.37 | $1.2M | Form 4 |
| May 18, 2026 | GOODYEAR WILLIAM MDirector | Sale | 6,231 | $166.08 | $1.0M | Form 4 |
| May 7, 2026 | Fisher DavidExecutive Chairman | Sale | 20,000 | $173.18 | $3.5M | Form 4 |
| Apr 28, 2026 | Cunningham Steven EChief Executive Officer | Sale | 7,852 | $175.50 | $1.4M | Form 4 |
| Feb 18, 2026 | Fisher DavidExecutive Chairman | Sale | 7,143 | $149.49 | $1.1M | Form 4 |
| Feb 2, 2026 | Gray James ADirector | Sale | 10,000 | $172.22 | $1.7M | Form 4 |
| Feb 2, 2026 | TEBBE MARKDirector | Sale | 20,000 | $172.24 | $3.4M | Form 4 |
| Feb 2, 2026 | Gray James ADirector | Sale | 19,999 | $172.04 | $3.4M | Form 4 |
| Jan 30, 2026 | Cunningham Steven EChief Executive Officer | Sale | 3,016 | $165.25 | $498.4K | Form 4 |
All 102 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Jul 31, 202658
- BlackRockSCHEDULE 13G/A, 7 filings Jan 26, 2022 to Apr 24, 202659
- VANGUARD GROUP INCSCHEDULE 13G/A, 5 filings Feb 10, 2022 to Mar 26, 202660
- DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G/A, 5 filings Feb 8, 2022 to Oct 9, 202561
- 683 Capital Management, LLCSC 13G/A, 2 filings Feb 14, 2023 to Feb 14, 202462
- RENAISSANCE TECHNOLOGIES LLCSC 13G/A, 1 filing Feb 10, 202263
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | David Fisher | $1.0M | $11.7M64 | |
| 2025 | Steven Cunningham | $633.7K | $6.8M64 | |
| 2025 | Kirk Chartier | $510.8K | $2.7M64 | |
| 2025 | Sean Rahilly | $476.6K | $2.0M64 | |
| 2024 | Chief Executive Officer (through 12/31/25) | $991.0K | $10.0M64 | |
| 2024 | Chief Financial Officer (through 12/31/25) | $599.8K | $3.5M64 | |
| 2024 | General Counsel and Chief | $450.1K | $3.4M64 | |
| 2024 | Chief Strategy Officer | $495.9K | $2.5M64 | |
| 2023 | (Principal Executive Officer) | $956.7K | $9.9M64 | |
| 2023 | (Principal Financial Officer) | $581.0K | $3.4M64 | |
| 2023 | Chief Strategy Officer | $480.5K | $2.4M64 | |
| 2023 | Compliance Officer | $428.7K | $1.6M64 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 4,164,846 | $1.0B | 0.0% | +104,453 |
| Vanguard Capital Management LLC | 1,063,968 | $256.1M | 0.0% | −1,169 |
| State Street Corp | 1,014,929 | $244.3M | 0.0% | +49,926 |
| Invesco Ltd. | 941,183 | $226.6M | 0.0% | +52,996 |
| Dimensional Fund Advisors LP | 880,279 | $211.9M | 0.0% | −176,435 |
| Fmr LLC | 868,413 | $209.1M | 0.0% | +264,859 |
| Vanguard Portfolio Management LLC | 831,027 | $200.1M | 0.0% | −35,423 |
| Renaissance Technologies LLC | 777,294 | $187.1M | 0.3% | +27,200 |
| Geode Capital Management, LLC | 707,535 | $170.4M | 0.0% | +38,910 |
| Franklin Resources Inc | 563,498 | $135.7M | 0.0% | −4,332 |
| American Century Companies Inc | 415,103 | $99.9M | 0.0% | +81,609 |
| Empyrean Capital Partners, LP | 391,000 | $94.1M | 3.6% | −3,064 |
| Charles Schwab Investment Management Inc | 388,643 | $93.6M | 0.0% | −12,110 |
| Morgan Stanley | 355,027 | $85.5M | 0.0% | +13,120 |
| Northern Trust Corp | 296,864 | $71.5M | 0.0% | +19,234 |
| Jpmorgan Chase & Co | 293,663 | $69.5M | 0.0% | +73,049 |
| Goldman Sachs Group Inc | 281,905 | $67.9M | 0.0% | −132,058 |
| No Street GP LP | 275,000 | $66.2M | 4.0% | −12,500 |
| Park West Asset Management LLC | 249,213 | $60.0M | 4.1% | +2,950 |
| Wellington Management Group Llp | 245,185 | $59.0M | 0.0% | −9,037 |
| Nuveen, LLC | 236,162 | $56.9M | 0.0% | +117,968 |
| Arrowstreet Capital, Limited Partnership | 227,531 | $54.8M | 0.0% | +105,023 |
| Amundi | 207,684 | $50.0M | 0.0% | +83,002 |
| Portolan Capital Management, LLC | 198,795 | $47.9M | 1.8% | +117,872 |
| Principal Financial Group Inc | 196,172 | $47.2M | 0.0% | +7,817 |
13F reports cover disclosed long positions in U.S. stocks only.
Members of Congress who traded it
1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.
| Date | Member | Trade | Amount | Vs S&P since | Filing |
|---|---|---|---|---|---|
| Dec 29, 2021 | Bill HagertyRepublican, Senate | Sale | $15,001 - $50,000 | −273.8% | Report |
Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).
SEC filer profile
How Enova International, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGAREnova International, Inc.1
- CIK0001529864
- Employer ID (EIN)45-319081313
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company13
- Incorporated inDelaware13
- Fiscal year endsDecember 311
- Industry code (SIC)6141 Personal Credit Institutions1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address175 West Jackson Blvd., Suite 600, Chicago, IL 606041
- Phone312-568-42001
- Shares outstanding24,898,371 as of Jul 20, 202611
- Public float$2.7T as of Jun 30, 202513
- AuditorDeloitte & Touche LLP, Chicago, Illinois PCAOB ID 34; it also attests to the company’s internal control over financial reporting13
- On EDGAR sinceSep 15, 20111
- Filings1,236 in all: 4 (598), 8-K (191), 144 (109), 4/A (47), 10-Q (36), SC 13G/A (33), 3 (30), DEFA14A (14)1
All 41 form types
CORRESP (13), 10-K (12), SC 13D/A (12), SC 13G (12), 424B3 (11), ABS-15G (11), DEF 14A (11), 425 (10), UPLOAD (10), 144/A (7), S-1/A (7), CT ORDER (6), EFFECT (6), S-8 (6), SCHEDULE 13G/A (6), 8-K/A (5), 10-12B/A (4), ARS (4), S-4 (4), S-4/A (3), SC 13D (3), 10-Q/A (2), POS AM (2), S-1 (2), 10-12B (1), 10-K/A (1), 424B5 (1), 8-A12B (1), CERTNYS (1), DEFR14A (1), RW (1), S-8 POS (1), SCHEDULE 13G (1)
- Latest filingsAnnual report (10-K) Feb 20, 2026
Quarterly report (10-Q) Jul 23, 2026
Proxy statement (DEF 14A) Apr 2, 2026
Latest 8-K (8-K) Oct 13, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $.00001 par value per share | ENVA | New York Stock Exchange |
From the cover page of the 10-K filed Feb 20, 2026 (Section 12(b) of the Exchange Act).13
Risk factors and legal proceedings
The risks Enova International, Inc. names in Item 1A of its 10-K filed Feb 20, 2026: 58 risks under these headings, as written.13
- Risks Related to Our Business and Industry
- Risks Related to Our Pending Acquisition of Grasshopper
- Risk Related to Our Indebtedness
- Risk Related to Our Common Stock and the Securities Market
- Our business is highly regulated, and if we fail to comply with applicable laws, regulations, rules and guidance, our business could be adversely affected.
- The lending and financing industry continues to be targeted by new laws and regulations in many jurisdictions that could restrict the lending and financing products and services we offer, impose additional compliance costs on us, render our current operations unprofitable or even prohibit our current operations.
- If the CFPB elects to prioritize enforcement of a new rule that impacts the consumer lending industry, this rule could have a material adverse effect on our U.S. consumer lending business.
- Our advertising and marketing materials and disclosures have been and continue to be subject to regulatory scrutiny.
- We have previously ceased business in certain jurisdictions due to regulatory restrictions and, if we are forced to exit key jurisdictions in the future due to regulatory restrictions, this could adversely affect our business as a whole.
- Our access to payment processing systems to disburse and collect loan and financing proceeds and repayments, including the Automated Clearing House, is critical to our business, and any interruption or limitation on our ability to utilize any of the available means of processing deposits or payments could materially adversely affect our business.
- The failure to comply with debt collection regulations could subject us to fines and other liabilities, which could harm our reputation and business.
- We use lead providers and marketing affiliates to assist us in obtaining new customers, and if lead providers or marketing affiliates do not comply with an increasing number of applicable laws and regulations, or if our ability to use such lead providers or marketing affiliates is otherwise impaired, it could adversely affect our business.
The other 50 risks
- To the extent that independent sales organization program partners, other third parties or internal sales representatives mislead loan applicants or engage or previously engaged in disreputable behavior, our reputation may be harmed and we may face liability.
- We pay commissions to our strategic partners, other third parties and ISOs upfront and generally do not recover them in the event the related term loan or line of credit is eventually charged off.
- Any violations of our Code of Business Conduct and Ethics, or the failure to detect any such violations, may cause our business, financial condition or results of operations to be adversely affected.
- The use of personal data for credit underwriting is highly regulated, which exposes us to compliance risk and increased costs.
- Negative public perception of our business could cause demand for our products to significantly decrease.
- Control of the Congress and the executive branch of the U.S. government could have a significant impact on financial services legislation passed in Congress and signed into law.
- Current and future litigation or regulatory proceedings could have a material adverse effect on our business, prospects, results of operations, financial condition and cash flows.
- Judicial decisions, CFPB rulemaking or amendments to the Federal Arbitration Act could render the arbitration agreements we use illegal or unenforceable.
- In some circumstances, federal preemption and application of an out-of-state choice of law provision will not, or may not, be available for the benefit of certain non-bank purchasers of loans to defend against a state law claim of usury.
- Significant changes in international laws or regulations or a deterioration of the political, regulatory or economic environment of Brazil, or any other country in which we may begin operations, could affect our operations in these countries.
- If our relationship with certain of our issuing bank partners was to end, or if the legal structure supporting such relationship is successfully challenged, then we may have to comply with additional laws, regulations, and restrictions, and certain states may require us to obtain a lending or similar license, or we may determine to withdraw from doing business in such state.
- The failure of third parties who provide products, services or support to us to maintain their products, services or support could disrupt our operations or result in a loss of revenue.
- Our business depends on the uninterrupted operation of our systems and business functions, including our information technology and other business systems, as well as the ability of such systems to support compliance with applicable legal and regulatory requirements.
- Decreased demand for our products and specialty financial services and our failure to adapt to such decrease could result in a loss of revenue and could have a material adverse effect on us.
- The Consumer Financial Protection Bureau has supervisory authority over certain of our U.S. consumer businesses that could have a significant impact on our U.S. business.
- We are subject to impairment risk.
- If the information provided by customers to us is incorrect or fraudulent, we may misjudge a customer’s qualification to receive a loan and our operating results may be harmed.
- We are subject to anticorruption laws including the U.S. Foreign Corrupt Practices Act, anti-money laundering laws and economic sanctions laws, and our failure to comply therewith, particularly if we continue to expand internationally, could result in penalties that could harm our reputation and have a material adverse effect on our business, prospects, results of operations, financial condition and cash flows.
- Failure of operating controls could produce a significant negative outcome, including customer experience degradation, legal expenses, increased regulatory cost, significant internal and external fraud losses and vendor risk.
- Increased competition from banks, credit card companies, other consumer and small business lenders, and other entities offering similar financial products and services could adversely affect our business, prospects, results of operations, financial condition and cash flows.
- A sustained deterioration in the economy could reduce demand for our products and services and result in reduced earnings.
- We may be unable to protect our proprietary technology and analytics or keep up with that of our competitors.
- We may be subject to intellectual property disputes, which are costly to defend and could harm our business and operating results.
- We are subject to cybersecurity risks and security breaches and may incur increasing costs in an effort to minimize those risks and to respond to cyber incidents.
- Our ability to collect payment on loans and maintain the accuracy of accounts may be adversely affected by computer viruses, electronic break-ins, technical errors and similar disruptions.
- If internet search engine providers change their methodologies for organic rankings or paid search results, or our organic rankings or paid search results decline for other reasons, our new customer growth or volume from returning customers could decline.
- Failure to keep up with the rapid changes in e-commerce and the uses and regulation of the internet could harm our business.
- Growth may place significant demands on our management and our infrastructure and could be costly.
- New top-level domain names may allow the entrance of new competitors or dilution of our brands, which may reduce the value of our domain name assets.
- Future acquisitions could disrupt our business and harm our financial condition and operating results.
- The preparation of our financial statements and certain tax positions taken by us require the judgment of management, and we could be subject to risks associated with these judgments or could be adversely affected by the implementation of new, or changes in the interpretation of existing, accounting principles, financial reporting requirements or tax rules.
- Our U.S. consumer and small business loan businesses are seasonal in nature, which causes our cash flows to fluctuate over the year.
- Potential union activities could have an adverse effect on our relationship with our workforce.
- Our success is dependent, in part, upon our officers, and if we are not able to attract and retain qualified officers, our business could be materially adversely affected.
- Our operations could be subject to natural disasters and other business disruptions, which could adversely impact our future revenue and financial condition and increase our costs and expenses.
- We may incur property, casualty or other losses not covered by insurance.
- Risks Related to our Pending Acquisition of Grasshopper
- Regulatory approvals may not be received, may take longer than expected or may impose conditions that are not presently anticipated, cannot be met, or that could have an adverse effect on us following the consummation of the acquisition of Grasshopper.
- Failure to complete the Grasshopper acquisition could negatively affect our share price, future business and financial results.
- Potential litigation relating to the Grasshopper mergers could result in significant costs, management distraction, and/or a delay of or injunction against the Grasshopper acquisition.
- We expect to incur substantial expenses related to the mergers.
- Risks Related to our Indebtedness
- We have incurred significant indebtedness, which could adversely affect our financial condition and prevent us from fulfilling our obligations under anticipated agreements governing our indebtedness.
- The terms of the agreements governing our indebtedness restrict our current and future operations, particularly our ability to respond to changes or to take certain actions, which could harm our long-term interests.
- We may not be able to generate sufficient cash to service our indebtedness and may be forced to take other actions to satisfy our obligations under our indebtedness, which may not be successful.
- Changes in our financial condition or a potential disruption in the capital markets could reduce available capital.
- Increases in customer default rates could make us and our loans less attractive to lenders under debt facilities and investors in securitizations which may adversely affect our access to financing and our business.
- Risks Related to our Common Stock and the Securities Market
- Certain provisions of our restated certificate of incorporation, amended and restated bylaws and Delaware law may discourage takeovers.
- The market price of our shares may fluctuate widely.
- If securities or industry analysts publish research that is unfavorable about our business, our stock price and trading volume could decline.
- We do not anticipate paying any dividends on our common stock in the foreseeable future. As a result, stockholders will need to sell their shares of common stock to receive any income or realize a return on their investment.
- Our restated certificate of incorporation designates the Court of Chancery of the State of Delaware as the exclusive forum for certain litigation that may be initiated by our stockholders, which could limit our stockholders’ ability to obtain a favorable judicial forum for disputes with us.
Legal proceedings
Information concerning legal proceedings is incorporated herein by reference to Note 11, “Commitments and Contingencies,” in the Notes to Consolidated Financial Statements.
The opening of Item 3, Legal Proceedings.13
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 21SEC EDGARArad Levertov, Officer
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- 23SEC EDGARJoe Decosmo, Officer
- 24SEC EDGARKirk Chartier, Officer
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- 26SEC EDGARMaria Veltre, Board member
- 27SEC EDGARLindsay Y. Corby, Board member
- 28SEC EDGARLinda Johnson Rice, Board member
- 29SEC EDGARSteven E. Cunningham, Board member
- 30SEC EDGARKirk Chartier, Board member
- 31SEC EDGARMark McGowan, Board member
- 32SEC EDGAREllen Carnahan, Board member
- 33SEC EDGARDaniel R. Feehan, Board member
- 34SEC EDGARDavid C. Habiger, Board member
- 35SEC EDGARMark Tebbe, Board member
- 36SEC EDGARWilliam M. Goodyear, Board member
- 37SEC EDGARSean Rahilly, General counsel
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- 41SEC EDGARRegulation FD disclosure
- 42SEC EDGARRegulation FD disclosure
- 43SEC EDGARRegulation FD disclosure
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- 46SEC EDGARResults of operations
- 47SEC EDGARExecutive or director change
- 48SEC EDGARExecutive or director change
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- 50NasdaqNasdaq calendar
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