What is Enova International's market cap?

Enova International (ENVA) has a market capitalization of $6.4B and trades on NYSE.

What is Enova International's revenue and profitability?

Enova International generated $3.4B in trailing twelve-month revenue with net income of $355.5M, representing a net margin of 10.3%. Gross margin stands at 59.8%, with free cash flow of $2.0B. These figures are based on the Q2 2026 filing.

Who are Enova International's competitors?

Enova International's key competitors include OneMain Financial, Upstart, First Bancorp/NC, and others. These companies compete in similar markets and product categories.

Who does Enova International partner with?

Enova International's notable partners include Trustpilot, Fair Isaac Corporation, Grasshopper.

What subsidiaries does Enova International have?

Enova International's subsidiaries include On Deck Capital Inc., Pangea Universal Holdings.

Where is Enova International headquartered?

Enova International is headquartered in United States of America and employs approximately 1,675 people. It has been publicly traded since 2014.

Enova International (ENVA) Stock Fundamentals & Financials

Enova International is a technology and analytics company that provides online financial services to non-prime consumers and small businesses.

Market cap

$6.44B+147%

Revenue$3.4B+17.7%

Net income$355.5M+38.7%

Free cash flow$2.0B+20.4%

EPS (diluted)$13.48+43.3%

Trailing twelve months · change vs. prior year

Earnings

Q2 2026 report

July 23, 2026

Revenue$928.9MBeat by $19.3M EPS$4.31Beat by $0.32

Read the full report

Next report

Oct 22, 2026 (in 3 months)

Revenue estimate$1.0B

EPS estimate$4.46

Financials

Q2 2026

Income statement

See full

Revenue$928.9M+21.6%

Gross profit$568.1M+28.7%

Operating income$237.1M+28.8%

Net income$105.1M+38.0%

EPS (diluted)$4.00+39.9%

Balance sheet

See full

Cash & equivalents$122.2M+120%

Total debt$5.0B+26.3%

Total equity$1.5B+21.8%

Total assets$7.2B+26.2%

Cash flow

See full

Operating cash flow$544.0M+21.6%

CapEx$12.6M+12.4%

Free cash flow$531.4M+21.8%

Valuation & ratios

Valuation

See full

Market cap$6.33B+147%

Enterprise value$11.25B+74.6%

P/E17.8×+8.0×

P/S1.8×+1.0×

Profitability

See full

Gross margin59.8%+2.4pp

Operating margin24%+1.3pp

Net margin10.3%+1.6pp

FCF margin56.7%+1.3pp

Returns & leverage

See full

Return on equity26.1%+4.5pp

Debt / equity3.4×+0.1×

Segments

By geography

See full

US$903.6M—

Competitors

By market cap

PNF

Pinnacle Financial Partners $15.9B+138%

OneMain Holdings$7.2B+7.2%

Enova International$6.3B+152%

Upstart Holdings, Inc.$2.6B-65.2%

First Bancorp$2.6B+29.7%

World Acceptance$838.0M-0.3%

Navient$788.6M-37.7%

Primis Financial Corp.$398.6M+45.8%

By revenue growth

Upstart Holdings, Inc.+46.3%

Enova International+17.7%

First Bancorp+11.6%

World Acceptance+4.3%

By net margin

Navient48.34%—

First Bancorp31.49%+5.8pp

Primis Financial Corp.21.89%—

Enova International10.31%+1.6pp

World Acceptance6.61%-7.6pp

Upstart Holdings, Inc.4.84%+5.6pp

Profile

Enova International is a technology and analytics company that provides online financial services to non-prime consumers and small businesses. The company leverages proprietary machine learning and artificial intelligence to offer credit and financing solutions to individuals and entities with limited access to traditional banking services. Its core value proposition centers on speed of funding, convenience, and data-driven underwriting that outperforms traditional credit scores.

Competitive position

Enova maintains a leading position in the online non-prime lending market, supported by over 21 years of proprietary behavioral data and a highly scalable AI-driven decision engine.

GeographiesUnited States, Brazil

Customer segmentsNon-prime consumers, Small and Medium Enterprises (SME), Underbanked

Business modelDirect Lending, Marketplace Lending, B2B2C, Transaction-based

SuppliersCredit reporting agencies, Data providers, Cloud infrastructure providers, Payment processors (ACH/Debit), Capital market investors

CustomersNon-prime individual borrowers, Small business owners, International remittance senders

CountryUnited States of America

Listed2014

Employees1.7K

CEOSteven E. Cunningham

SectorFinancial Services

IndustryFinancial - Credit Services

Websiteenova.com

FilingsSEC EDGAR

FAQ

What is Enova International's market cap?: Enova International (ENVA) has a market capitalization of $6.4B and trades on NYSE.
What is Enova International's revenue and profitability?: Enova International generated $3.4B in trailing twelve-month revenue with net income of $355.5M, representing a net margin of 10.3%. Gross margin stands at 59.8%, with free cash flow of $2.0B. These figures are based on the Q2 2026 filing.
Who are Enova International's competitors?: Enova International's key competitors include OneMain Financial, Upstart, First Bancorp/NC, and others. These companies compete in similar markets and product categories.
Who does Enova International partner with?: Enova International's notable partners include Trustpilot, Fair Isaac Corporation, Grasshopper.
What subsidiaries does Enova International have?: Enova International's subsidiaries include On Deck Capital Inc., Pangea Universal Holdings.
Where is Enova International headquartered?: Enova International is headquartered in United States of America and employs approximately 1,675 people. It has been publicly traded since 2014.

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