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Enova International ENVA Cash & Equivalents

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$550.33M-22.6%

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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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

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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:CashAndCashEquivalentsAtCarryingValue.

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 itemJune 30, 2026June 30, 2025December 31, 2025
Assets
Cash and cash equivalents(1)$122,226$55,560$71,709
Restricted cash(1)342,986323,883336,154
Loans and finance receivables at fair value(1)6,172,7644,773,3155,471,544
Income taxes receivable32,04535,58640,901
Other receivables and prepaid expenses(1)81,22578,04580,870
Property and equipment, net140,251127,686132,566
Operating lease right-of-use assets15,35217,78116,549

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Enova International's cash & equivalents?
Enova International (ENVA) reported cash & equivalents of $122.23M in Q2 2026.
How has Enova International's cash & equivalents changed year-over-year?
Enova International's cash & equivalents increased by 120.0% year-over-year, from $55.56M to $122.23M.
What is the long-term trend for Enova International's cash & equivalents?
Over 5 years (2020 to 2025), Enova International's cash & equivalents has grown at a -24.8% compound annual growth rate (CAGR), from $297.27M to $71.71M.
What does cash & equivalents mean?
Cash on hand plus highly liquid investments with maturities of three months or less at purchase — treasury bills, money market funds, and commercial paper.

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