Below are the financial statements of Enova International, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of USD | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | 2,657.8a | 2,117.64a | 1,736.09a |
| Change in fair value | -1,128.35a | -887.72a | -618.52a |
| Net revenue | 1,529.45a | 1,229.92a | 1,117.56a |
| Operating expenses | — | — | — |
| Marketing | -523.57a | -414.46a | -382.57a |
| Operations and technology | -224.39a | -194.91a | -173.67a |
| General and administrative | -156.52a | -160.27a | -140.46a |
| Depreciation and amortization | -40.21a | -38.16a | -36.87a |
| Total operating expenses | -944.69a | -807.79a | -733.57a |
| Income from operations | 584.76a | 422.14a | 383.99a |
| Interest expense, net | -290.44a | -194.78a | -115.89a |
| Foreign currency transaction (loss) gain, net | -1.06a | 0.06a | -0.65a |
| Equity method investment (loss) income | -16.46a | 0.12a | 6.44a |
| Other nonoperating expenses | -5.69a | -0.28a | -1.32a |
| Income before income taxes | 271.1a | 227.25a | 272.57a |
| Provision for income taxes | -61.65a | -52.13a | -65.15a |
| Net income | 209.45a | 175.12a | 207.42a |
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