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Enova International ENVA Operating Income

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Income statement

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Revenue$928.9M+21.6%
Gross profit$568.1M+28.7%
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:OperatingIncomeLoss.

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
General and administrative44,08040,50891,85882,972
Depreciation and amortization8,41810,34817,32720,409
Total Operating Expenses330,919257,352652,772511,630
Income from Operations237,147184,106444,253356,010
Interest expense, net(97,818)(82,781)(191,864)(163,325)
Foreign currency transaction gain (loss)440134(56)(318)
Equity method investment income338613639733
Other nonoperating expenses—(1,019)—(1,019)

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Enova International's operating income?
Enova International (ENVA) reported operating income of $237.15M in Q2 2026.
How has Enova International's operating income changed year-over-year?
Enova International's operating income increased by 28.8% year-over-year, from $184.11M to $237.15M.
What is the long-term trend for Enova International's operating income?
Over 4 years (2021 to 2025), Enova International's operating income has grown at a 15.7% compound annual growth rate (CAGR), from $413.06M to $739.43M.
What does operating income mean?
Gross profit minus all operating expenses (SG&A, R&D, D&A). Measures the profit from core business operations before interest, taxes, and non-operating items.

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