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Atlanticus vs Enova International: revenue, profit, margins and growth compared

Atlanticus brought in $2B of revenue in fiscal 2025, Enova International $3.2B in fiscal 2025. Revenue changed by +50.1% at Atlanticus and +18.6% at Enova International on the year before, so Atlanticus grew faster. Atlanticus kept 6.2% of its revenue as net profit, Enova International 9.8%.

Side by side, latest fiscal year

ATLCENVA
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$2B$3.2B
Revenue growth+50.1%+18.6%
Net income$122.2M$308.4M
Net margin6.2%9.8%
Free cash flown/a$1.8B
Free cash flow marginn/a56.2%
Earnings per share (diluted)$5.96$11.52
Cash$621.1M$71.7M
Debtn/a$4.5B
Price to earnings15.515.1
Market value$1.4B$4.3B
Dividend yieldn/an/a
Rank by revenue in sector#147 of 444 · Finance#121 of 444 · Finance

Over the years

Revenue
ATLC FY2018: $5.6MATLC FY2019: $455.2MATLC FY2020: $563.4MATLC FY2021: $748.1MATLC FY2022: $1BATLC FY2023: $1.2BATLC FY2024: $1.3BATLC FY2025: $2BENVA FY2018: $972.6MENVA FY2019: $1.2BENVA FY2020: $1.1BENVA FY2021: $1.2BENVA FY2022: $1.7BENVA FY2023: $2.1BENVA FY2024: $2.7BENVA FY2025: $3.2BFY18FY19FY20FY21FY22FY23FY24FY25
ATLC $2BENVA $3.2B
Net income
ATLC FY2018: $7.9MATLC FY2019: $26.4MATLC FY2020: $94.1MATLC FY2021: $177.9MATLC FY2022: $135.6MATLC FY2023: $102.8MATLC FY2024: $111.3MATLC FY2025: $122.2MENVA FY2018: $70.1MENVA FY2019: $36.6MENVA FY2020: $377.8MENVA FY2021: $256.3MENVA FY2022: $207.4MENVA FY2023: $175.1MENVA FY2024: $209.4MENVA FY2025: $308.4MFY18FY19FY20FY21FY22FY23FY24FY25
ATLC $122.2MENVA $308.4M
Net margin
ATLC FY2018: 141.4%ATLC FY2019: 5.8%ATLC FY2020: 16.7%ATLC FY2021: 23.8%ATLC FY2022: 13.0%ATLC FY2023: 8.9%ATLC FY2024: 8.5%ATLC FY2025: 6.2%ENVA FY2018: 7.2%ENVA FY2019: 3.1%ENVA FY2020: 34.9%ENVA FY2021: 21.2%ENVA FY2022: 11.9%ENVA FY2023: 8.3%ENVA FY2024: 7.9%ENVA FY2025: 9.8%FY18FY19FY20FY21FY22FY23FY24FY25
ATLC 6.2%ENVA 9.8%
Revenue growth
ATLC FY2019: +8,092.9%ATLC FY2020: +23.8%ATLC FY2021: +32.8%ATLC FY2022: +40.0%ATLC FY2023: +10.4%ATLC FY2024: +13.5%ATLC FY2025: +50.1%ENVA FY2019: +20.8%ENVA FY2020: -7.8%ENVA FY2021: +11.5%ENVA FY2022: +43.7%ENVA FY2023: +22.0%ENVA FY2024: +25.5%ENVA FY2025: +18.6%FY19FY20FY21FY22FY23FY24FY25
ATLC +50.1%ENVA +18.6%
Free cash flow
ATLC FY2018: $41.5MATLC FY2019: $99.7MATLC FY2020: $212MENVA FY2018: $670.2MENVA FY2019: $828.6MENVA FY2020: $711.4MENVA FY2021: $442.2MENVA FY2022: $850.4MENVA FY2023: $1.1BENVA FY2024: $1.5BENVA FY2025: $1.8BFY18FY19FY20FY21FY22FY23FY24FY25
ATLC $212MENVA $1.8B

Fiscal years as each company reports them; the two may end in different months.

Questions about Atlanticus and Enova International

Which is bigger by revenue, Atlanticus or Enova International?

Enova International is bigger by revenue: $3.2B in fiscal 2025, against $2B for Atlanticus in fiscal 2025.

Which keeps more of its revenue as profit, Atlanticus or Enova International?

Atlanticus had a net margin of 6.2% in fiscal 2025; Enova International had 9.8% in fiscal 2025.

Which grew revenue faster, Atlanticus or Enova International?

In their latest fiscal years revenue changed by +50.1% at Atlanticus and +18.6% at Enova International.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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