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Enova International vs Regional Management: revenue, profit, margins and growth compared

Enova International brought in $3.2B of revenue in fiscal 2025, Regional Management $645.6M in fiscal 2025. Revenue changed by +18.6% at Enova International and +9.7% at Regional Management on the year before, so Enova International grew faster. Enova International kept 9.8% of its revenue as net profit, Regional Management 6.9%. Free cash flow was $1.8B at Enova International and $304.3M at Regional Management.

Side by side, latest fiscal year

ENVARM
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$3.2B$645.6M
Revenue growth+18.6%+9.7%
Net income$308.4M$44.4M
Net margin9.8%6.9%
Free cash flow$1.8B$304.3M
Free cash flow margin56.2%47.1%
Earnings per share (diluted)$11.52$4.45
Cash$71.7M$98M
Debt$4.5B$1.6B
Price to earnings15.16.9
Market value$4.3B$284.3M
Dividend yieldn/a3.89%
Rank by revenue in sector#121 of 444 · Finance#224 of 444 · Finance

Over the years

Revenue
ENVA FY2018: $972.6MENVA FY2019: $1.2BENVA FY2020: $1.1BENVA FY2021: $1.2BENVA FY2022: $1.7BENVA FY2023: $2.1BENVA FY2024: $2.7BENVA FY2025: $3.2BRM FY2018: $306.7MRM FY2019: $355.7MRM FY2020: $373.9MRM FY2021: $428.4MRM FY2022: $507.2MRM FY2023: $551.4MRM FY2024: $588.5MRM FY2025: $645.6MFY18FY19FY20FY21FY22FY23FY24FY25
ENVA $3.2BRM $645.6M
Net income
ENVA FY2018: $70.1MENVA FY2019: $36.6MENVA FY2020: $377.8MENVA FY2021: $256.3MENVA FY2022: $207.4MENVA FY2023: $175.1MENVA FY2024: $209.4MENVA FY2025: $308.4MRM FY2018: $35.3MRM FY2019: $44.7MRM FY2020: $26.7MRM FY2021: $88.7MRM FY2022: $51.2MRM FY2023: $16MRM FY2024: $41.2MRM FY2025: $44.4MFY18FY19FY20FY21FY22FY23FY24FY25
ENVA $308.4MRM $44.4M
Net margin
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%RM FY2018: 11.5%RM FY2019: 12.6%RM FY2020: 7.1%RM FY2021: 20.7%RM FY2022: 10.1%RM FY2023: 2.9%RM FY2024: 7.0%RM FY2025: 6.9%FY18FY19FY20FY21FY22FY23FY24FY25
ENVA 9.8%RM 6.9%
Revenue growth
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%RM FY2019: +16.0%RM FY2020: +5.1%RM FY2021: +14.6%RM FY2022: +18.4%RM FY2023: +8.7%RM FY2024: +6.7%RM FY2025: +9.7%FY19FY20FY21FY22FY23FY24FY25
ENVA +18.6%RM +9.7%
Free cash flow
ENVA FY2018: $670.2MENVA FY2019: $828.6MENVA FY2020: $711.4MENVA FY2021: $442.2MENVA FY2022: $850.4MENVA FY2023: $1.1BENVA FY2024: $1.5BENVA FY2025: $1.8BRM FY2018: $140.9MRM FY2019: $152.4MRM FY2020: $161MRM FY2021: $185.4MRM FY2022: $218.5MRM FY2023: $244.5MRM FY2024: $263.9MRM FY2025: $304.3MFY18FY19FY20FY21FY22FY23FY24FY25
ENVA $1.8BRM $304.3M

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

Questions about Enova International and Regional Management

Which is bigger by revenue, Enova International or Regional Management?

Enova International is bigger by revenue: $3.2B in fiscal 2025, against $645.6M for Regional Management in fiscal 2025.

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

Enova International had a net margin of 9.8% in fiscal 2025; Regional Management had 6.9% in fiscal 2025.

Which grew revenue faster, Enova International or Regional Management?

In their latest fiscal years revenue changed by +18.6% at Enova International and +9.7% at Regional Management.

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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