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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:ProfitLoss.

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 Operating Activities
Net income$196,157$149,094
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization17,32720,409
Amortization of deferred loan costs and debt discount8,6057,970
Change in fair value of loans and finance receivables703,086638,036
Stock-based compensation expense17,45616,042
Loss on early extinguishment of debt1,019

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 $257.07M to $308.39M.
What does net income mean?
Net income as the starting point for the indirect method operating cash flow reconciliation.

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