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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%
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:LongTermDebt.

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
Accounts payable and accrued expenses(1)$334,882$257,509$305,849
Operating lease liabilities31,55432,65432,041
Deferred tax liabilities, net344,742242,421295,437
Long-term debt(1)5,013,9013,963,5144,498,381
Total liabilities5,725,0794,496,0985,131,708
Commitments and contingencies (Note 7)
Stockholders’ equity:
Common stock, $0.00001 par value, 250,000,000 shares authorized, 47,989,998, 47,176,544 and 47,441,228 shares issued and 24,885,756, 25,070,028 and 24,715,608 outstanding as of June 30, 2026 and 2025 and December 31, 2025, respectively

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Enova International's long-term debt?
Enova International (ENVA) reported long-term debt of $5.01B in Q2 2026.
How has Enova International's long-term debt changed year-over-year?
Enova International's long-term debt increased by 26.5% year-over-year, from $3.96B to $5.01B.
What is the long-term trend for Enova International's long-term debt?
Over 5 years (2020 to 2025), Enova International's long-term debt has grown at a 36.6% compound annual growth rate (CAGR), from $946.46M to $4.5B.
What does long-term debt mean?
Bonds, term loans, notes payable, and other borrowings with maturities beyond one year — the primary long-term financing source.

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