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Enova International vs World Acceptance: revenue, profit, margins and growth compared

Enova International brought in $3.2B of revenue in fiscal 2025, World Acceptance $585.2M in fiscal 2026. Revenue changed by +18.6% at Enova International and +3.7% at World Acceptance on the year before, so Enova International grew faster. Enova International kept 9.8% of its revenue as net profit, World Acceptance 5.9%. Free cash flow was $1.8B at Enova International and $255.5M at World Acceptance.

Side by side, latest fiscal year

ENVAWRLD
Fiscal year endedFY2025 (December 31, 2025)FY2026 (March 31, 2026)
Revenue$3.2B$585.2M
Revenue growth+18.6%+3.7%
Net income$308.4M$34.6M
Net margin9.8%5.9%
Free cash flow$1.8B$255.5M
Free cash flow margin56.2%43.7%
Earnings per share (diluted)$11.52$6.88
Cash$71.7M$6.1M
Debt$4.5B$587.2M
Price to earnings15.125.0
Market value$4.3B$802M
Dividend yieldn/an/a
Rank by revenue in sector#121 of 444 · Finance#230 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: $3.2BWRLD FY2018: $544.5MWRLD FY2019: $590MWRLD FY2021: $528MWRLD FY2022: $585.2MWRLD FY2023: $616.5MWRLD FY2024: $572.8MWRLD FY2025: $564.2MWRLD FY2026: $585.2MFY18FY19FY20FY21FY22FY23FY24FY25FY26
ENVA $3.2BWRLD $585.2M
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: $308.4MWRLD FY2018: $37.2MWRLD FY2019: $28.2MWRLD FY2021: $88.3MWRLD FY2022: $53.9MWRLD FY2023: $21.2MWRLD FY2024: $77MWRLD FY2025: $89.2MWRLD FY2026: $34.6MFY18FY19FY20FY21FY22FY23FY24FY25FY26
ENVA $308.4MWRLD $34.6M
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%WRLD FY2018: 6.8%WRLD FY2019: 4.8%WRLD FY2021: 16.7%WRLD FY2022: 9.2%WRLD FY2023: 3.4%WRLD FY2024: 13.5%WRLD FY2025: 15.8%WRLD FY2026: 5.9%FY18FY19FY20FY21FY22FY23FY24FY25FY26
ENVA 9.8%WRLD 5.9%
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%WRLD FY2019: +8.4%WRLD FY2021: -10.5%WRLD FY2022: +10.8%WRLD FY2023: +5.4%WRLD FY2024: -7.1%WRLD FY2025: -1.5%WRLD FY2026: +3.7%FY19FY20FY21FY22FY23FY24FY25FY26
ENVA +18.6%WRLD +3.7%
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: $1.8BWRLD FY2018: $234.9MWRLD FY2019: $269.7MWRLD FY2021: $215.3MWRLD FY2022: $266.4MWRLD FY2023: $285.7MWRLD FY2024: $259.9MWRLD FY2025: $250.5MWRLD FY2026: $255.5MFY18FY19FY20FY21FY22FY23FY24FY25FY26
ENVA $1.8BWRLD $255.5M

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

Questions about Enova International and World Acceptance

Which is bigger by revenue, Enova International or World Acceptance?

Enova International is bigger by revenue: $3.2B in fiscal 2025, against $585.2M for World Acceptance in fiscal 2026.

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

Enova International had a net margin of 9.8% in fiscal 2025; World Acceptance had 5.9% in fiscal 2026.

Which grew revenue faster, Enova International or World Acceptance?

In their latest fiscal years revenue changed by +18.6% at Enova International and +3.7% at World Acceptance.

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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