All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2021-05-03.
From the record
Enova International, Inc.'s filings since 2017 show 1 warning event: an auditor change (8-K item 4.01, the latest 2021-05-03) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+17.4% a year over 10 filed years; profitable in 10 of 10.
From the record
Enova International, Inc.'s 10 filed years say what it did: revenue went from $746 million in fiscal 2016 to $3.2 billion in fiscal 2025, up 17.4% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 7.2% a year. 15% of cash flow returned. Insiders: 35 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Enova International, Inc.'s diluted share count shrank about 7.2% a year, and dividends and buybacks returned about 15% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 35 sales (12 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-05 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 23%: 23¢ of profit per shareholder dollar. Leverage 79%: owes 79¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Enova International, Inc. earned about 23 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 28 cents per dollar of everything the company owns. Leverage: it owed about 79 cents per dollar of assets, and net share issuance: its share count shrank 5.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 41% of 11 in its family; net margin 9.8%.
From the record
Enova International, Inc.'s standing among 11 graded names in its industry family: revenue of $3.2 billion in fiscal 2025 ranks in the top 32% by size; a net margin of 9.8% ranks in the bottom 32%; revenue growth of 22% a year over the last 3 filed years ranks in the top 23% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 50% of 11 in its family for leadership; chief executive since 2026.
From the record
Enova International, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Cunningham, Steven E (Chief Executive Officer, as filed), filing under that title since 2026-02-03, 9 months (bottom 14% of its family); the 16 officers and directors filing in the last fifteen months have been on the record a median of 11.8 years (top 23%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 16 people in charge now (top 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 42% of 11 in its family for room to expand.
From the record
Enova International, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $72 million against debt of $4.5 billion leaves -68.4% of its assets as net cash, bottom 23% of its family; cash from operations less capital spending is 56.2% of revenue (top 14%); a gross margin of 58.1% (bottom 17%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 25% of 11 in its family for growth drivers.
From the record
Enova International, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 22% a year over the last three filed years against 17.4% over all 10, speeding up (top 5% of its family); the newest year grew 18.6% (top 32%); capital spending grew 2.6% a year (top 39%) (its annual reports). Enova International, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 44% of 11 in its family for expectations against reality.
From the record
Enova International, Inc.'s newest year against its own record: revenue of $3.2 billion in fiscal 2025 came in 4.1% below the $3.3 billion its prior three years' pace pointed to (bottom 41% of its family); net income of $308 million against a prior three-year average of $197 million (top 23%); a net margin of 9.8% against 9.4% before (top 50%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made