ENVA

Value Q3, 24Q4, 24Q1, 25Q2, 25Q3, 25Q4, 25 TTM Total revenue 689.92 M729.55 M745.54 M764.04 M802.68 M839.39 M 3.15 B Gross profit 400.36 M413.04 M426.18 M441.46 M460.71 M501.89 M 1.83 B Operating expenses 246.64 M257.84 M254.28 M257.35 M263.93 M315.25 M 1.09 B Selling/general/admin expenses 179.97 M189.21 M181.75 M183.36 M187.01 M238.68 M 790.8 M Research & development —————— — Operating income 153.71 M155.2 M171.9 M184.11 M196.78 M186.65 M 739.43 M Non-Operating Income, Total 4.77 M902 K452 K1.15 M90 K-309 K 1.39 M Interest expense, net of interest capitalized 76.9 M76.99 M80.54 M82.78 M86.95 M89.03 M 339.31 M Non-Operating Income, excl. Interest Expenses -76.81 M-76.09 M-80.09 M-82.65 M-86.86 M-89.33 M -338.94 M Unusual income/expense 4.68 M001.02 M00 1.02 M Pretax income 55.49 M77.4 M91.03 M101.05 M110.17 M98.78 M 401.03 M Equity in earnings 16.55 M-92 K120 K613 K258 K568 K 1.56 M Taxes 12.07 M13.7 M18.08 M24.9 M29.86 M19.8 M 92.64 M Non-controlling/minority interest —————— — After tax other income/expense —————— — Net income before discontinued operations 43.41 M63.7 M72.94 M76.15 M80.31 M78.98 M 308.39 M Discontinued operations —————— — Net income 43.41 M63.7 M72.94 M76.15 M80.31 M78.98 M 308.39 M Dilution adjustment —————— — Preferred dividends —————— — Diluted net income available to common stockholders 43.41 M63.7 M72.94 M76.15 M80.31 M78.98 M 308.39 M Basic earnings per share (Basic EPS) 1.642.422.843.013.223.18 12.25 Diluted earnings per share (Diluted EPS) 1.572.292.692.863.032.94 11.52 Average basic shares outstanding 26.42 M26.92 M25.68 M25.3 M24.95 M25.17 M 101.1 M Diluted shares outstanding 27.71 M28.2 M27.1 M26.65 M26.47 M26.77 M 107 M EBITDA —————— — EBIT —————— — Cost of revenue —————— — Other cost of goods sold —————— — Depreciation & amortization (cash flow) 5.04 M11.87 M3.84 M4.13 M4.36 M11.56 M 23.89 M