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Enova International ENVA Q3 2025 earnings

Reported October 23, 2025 · After market close

Revenue$802.7MMiss by $4.0M
EPS$3.36Beat by $0.33
Revenue estimate$806.6M
EPS estimate$3.03

Next report

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

Financials

Q3 2025

Income statement

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Revenue$802.7M+16.3%
Gross profit$460.7M+15.1%
Operating income$196.8M+28.0%
Net income$80.3M+85.0%
EPS (diluted)$3.03+93.0%

Balance sheet

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Cash & equivalents$53.6M-20.6%
Total debt$4.1B+24.7%
Total equity$1.3B+8.9%
Total assets$6.0B+19.8%

Cash flow

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Operating cash flow$481.8M+20.9%
CapEx$11.3M+3.8%
Free cash flow$470.5M+21.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.88B+30.2%
Enterprise value$6.96B+27.4%
P/E9.8×-2.4×
P/S0.9×+0.1×

Profitability

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Gross margin57.2%-0.1pp
Operating margin23.3%+2.3pp
Net margin9.6%+2.4pp
FCF margin56.1%+1.2pp

Returns & leverage

See full
Return on equity23.8%+9.0pp
Debt / equity3.2×+0.4×

FAQ

When did Enova International report Q3 2025 earnings?
Enova International (ENVA) reported Q3 2025 earnings on October 23, 2025 after market close.
What were Enova International's Q3 2025 revenue and EPS?
Enova International reported revenue of $802.7M and eps of $3.36 for Q3 2025.
Did Enova International beat estimates in Q3 2025?
Revenue missed the consensus estimate of $806.6M by $4.0M. EPS beat the consensus estimate of $3.03 by $0.33.
Where can I find Enova International's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-248781) and the 10-Q periodic report (0001193125-25-249986) directly on SEC EDGAR. The filing index links above go to sec.gov.