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Enova International ENVA Q2 2026 earnings

Reported July 23, 2026 · After market close

Revenue$928.9MBeat by $19.3M
Adjusted EPS$4.31Beat by $0.32
Revenue estimate$909.6M
EPS estimate$3.99
“We are excited to build upon our proven capabilities with the planned acquisition of Grasshopper Bank. We remain in a constructive dialogue with regulators as they continue their application review process, and we look forward to closing later this year to begin immediately delivering on the significant transaction synergies.”
Steve Cunningham

Next report

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

Financials

Q2 2026

Income statement

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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

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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

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Operating cash flow$544.0M+21.6%
CapEx$12.6M+12.4%
Free cash flow$531.4M+21.8%

Valuation & ratios

Valuation

as of 08/04/26
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Market cap$6.33B+151%
Enterprise value$11.25B+74.6%
P/E17.8×+8.0×
P/S1.8×+1.0×

Profitability

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Gross margin59.8%+2.4pp
Operating margin24%+1.3pp
Net margin10.3%+1.6pp
FCF margin56.7%+1.3pp

Returns & leverage

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Return on equity26.1%+4.5pp
Debt / equity3.4×+0.1×

Segments

By geography

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US$903.6M—

FAQ

When did Enova International report Q2 2026 earnings?
Enova International (ENVA) reported Q2 2026 earnings on July 23, 2026 after market close.
What were Enova International's Q2 2026 revenue and EPS?
Enova International reported revenue of $928.9M and adjusted eps of $4.31 for Q2 2026.
Did Enova International beat estimates in Q2 2026?
Revenue beat the consensus estimate of $909.6M by $19.3M. EPS beat the consensus estimate of $3.99 by $0.32.
How did Enova International's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.6% from $764.0M a year earlier.
Where can I find Enova International's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-314134) and the 10-Q periodic report (0001193125-26-314590) directly on SEC EDGAR. The filing index links above go to sec.gov.