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Enova International ENVA Q1 2026 earnings

Reported July 23, 2026 · After market close

Revenue$928.9MBeat by $19.3M
EPS$4.31Beat by $0.35
Revenue estimate$909.6M
EPS estimate$3.96

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$1.0B
EPS estimate$4.46

Financials

Q1 2026

Income statement

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Revenue$875.1M+17.4%
Gross profit$529.0M+24.1%
Operating income$207.1M+20.5%
Net income$91.1M+24.9%
EPS (diluted)$3.46+28.6%

Balance sheet

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Cash & equivalents$96.1M+73.2%
Total debt$4.9B+28.4%
Total equity$1.4B+17.1%
Total assets$6.9B+26.0%

Cash flow

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Operating cash flow$474.5M+21.3%
CapEx$10.8M-16.5%
Free cash flow$463.8M+22.6%

Valuation & ratios

Valuation

as of 03/31/26
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Market cap$3.4B+36.4%
Enterprise value$8.17B+31.2%
P/E10.4×-0.2×
P/S1×+0.1×

Profitability

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Gross margin58.9%+1.3pp
Operating margin23.6%+1.2pp
Net margin10%+1.6pp
FCF margin56.6%+1.6pp

Returns & leverage

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Return on equity25.1%+5.2pp
Debt / equity3.5×+0.3×

FAQ

When did Enova International report Q1 2026 earnings?
Enova International (ENVA) reported Q1 2026 earnings on July 23, 2026 after market close.
What were Enova International's Q1 2026 revenue and EPS?
Enova International reported revenue of $928.9M and eps of $4.31 for Q1 2026.
Did Enova International beat estimates in Q1 2026?
Revenue beat the consensus estimate of $909.6M by $19.3M. EPS beat the consensus estimate of $3.96 by $0.35.
How did Enova International's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 24.6% from $745.5M a year earlier and eps grew 44.6% from $2.98.
Where can I find Enova International's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-314134) and the 10-Q periodic report (0001193125-26-174021) directly on SEC EDGAR. The filing index links above go to sec.gov.