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Other financials

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%
Free cash flow$531.4M+21.8%

Valuation

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Market cap$6.37B+144%
Enterprise value$11.3B+72.5%
P/E17.9×+7.7×
P/S1.9×+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×

Where this comes from

Reported directly by Enova International in its filing.

Tagged under the XBRL concept us-gaap:PaymentsToAcquireProductiveAssets.

The source filing: Enova International’s 10-Q, filed July 23, 2026.

Filed
Jul 23, 2026, 5:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-314590
Line itemSix Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Cash Flows from Investing Activities
Loans and finance receivables originated or acquired(4,292,884)(3,260,806)
Loans and finance receivables repaid2,904,9112,247,079
Capitalization of software development costs and purchases of fixed assets(23,365)(24,099)
Net cash used in investing activities(1,411,338)(1,037,826)
Cash Flows from Financing Activities
Borrowings under revolving line of credit1,092,000748,000
Repayments under revolving line of credit(1,109,000)(720,000)

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Enova International's capex?
Enova International (ENVA) reported capex of $12.61M in Q2 2026.
How has Enova International's capex changed year-over-year?
Enova International's capex increased by 12.4% year-over-year, from $11.22M to $12.61M.
What is the long-term trend for Enova International's capex?
Over 4 years (2021 to 2025), Enova International's capex has grown at a 12.3% compound annual growth rate (CAGR), from $29.67M to $47.14M.
What does capex mean?
Cash spent on property, plant, and equipment — the primary measure of investment in productive capacity and infrastructure.

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