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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%
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:NetIncomeLoss.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Other nonoperating expenses(1,019)(1,019)
Income before Income Taxes140,107101,053252,972192,081
Provision for income taxes35,04924,90456,81542,987
Net income$105,058$76,149$196,157$149,094
Earnings Per Share
Earnings per common share:
Basic$4.22$3.01$7.88$5.85
Diluted$4.00$2.86$7.45$5.51

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Enova International's net income?
Enova International (ENVA) reported net income of $105.06M in Q2 2026.
How has Enova International's net income changed year-over-year?
Enova International's net income increased by 38.0% year-over-year, from $76.15M to $105.06M.
What is the long-term trend for Enova International's net income?
Over 4 years (2021 to 2025), Enova International's net income has grown at a 4.7% compound annual growth rate (CAGR), from $256.3M to $308.39M.
What does net income mean?
The bottom line — total revenue minus all expenses, taxes, and costs. Represents the profit attributable to the company's shareholders after all obligations are met.

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