Enova International, Inc.

ENVANYSEFinancial Services● Active

$170.66

+$1.84(+1.09%)

Market Cap$4.2B

P/E Ratio—

52W High$176.68

52W Low$92.55

Avg Volume222K

Open$170.59

Beta1.30

Overview

Enova International, Inc. (ENVA) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

ENVA · free cash flow · updated Jun 8, 2026

Core FCF metrics

ENVA · FCF · TTM · margin & CAGR

Free cash flow was $1.77B for FY2025 (fiscal year ending 2025-12-31), up 18.5% year-over-year The FCF margin was 56.2%. Five-year CAGR stands at +20.0%.

FY2025 Free Cash Flow$1.77B▲ +18.5% YoY

Trailing 12M (TTM)$1.86Btrailing 4 quarters sum

FCF Margin56.2%$1.77B ÷ revenue

3-Year CAGR+27.7%FY2022 → FY2025

5-Year CAGR+20.0%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

ENVA · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$1.82B(47M)$1.77B▲ +18.5%56.2%

FY2024$1.54B(43M)$1.50B▲ +33.3%56.3%

FY2023$1.17B(45M)$1.12B▲ +31.9%53.0%

FY2022$894.0M(44M)$850.4M▲ +92.3%49.0%

FY2021$471.9M(30M)$442.2M▼ 37.8%36.6%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

ENVA · P/FCF · FCF yield · FCF per share

Enova International, Inc. (ENVA) trades at a FCF yield of 43.27% and a price-to-free-cash-flow ratio of 2.3x. FCF per share stands at $75.03, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

43.27%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$75.03

TTM FCF ÷ Shares Outstanding

Price / FCF

x2.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x4.9

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

ENVA · cash flow statement · operating / investing / financing

For FY2025, Enova International, Inc. generated $1.82B in operating cash flow and spent 47M in capital expenditures, yielding $1.77B in free cash flow.

Operating Activities

+$1.82B

Cash from core business operations

2025-12-31

Investing Activities

−$2.45B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$711.8M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($1.82B) − |CapEx| (47M) = FCF ($1.77B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

ENVA vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Enova International, Inc.YOU

ENVA

$1.77B+18.5%56.2%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Enova International, Inc. (ENVA) reported free cash flow of $1.77B for FY2025 (fiscal year ending 2025-12-31), up 18.5% year-over-year. The FCF margin was 56.2%.

Based on available data, Enova International, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $1.77B in FY2025. The 5-year CAGR stands at +20.0%.

Enova International, Inc.'s FCF yield is 43.27% and price-to-FCF ratio is 2.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

ENVA free cash flow · 8 questions

Enova International, Inc. free cash flow was $1.77B for FY2025, up 18.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $1.86B.

ENVA free cash flowENVA FCFENVA FCF 2025ENVA free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Enova International, Inc. · Enova International, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026