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Enova International ENVA Operating margin

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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
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

Calculated from Enova International’s reported figures.

Based on trailing twelve months.

The source filing: Enova International’s 10-Q, filed July 23, 2026. Open the filing →

Filed
Jul 23, 2026, 5:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-314590

FAQ

What is Enova International's operating margin?
Enova International (ENVA) reported operating margin of 24% in Q2 2026.
How has Enova International's operating margin changed year-over-year?
Enova International's operating margin increased by 5.8% year-over-year, from 22.7% to 24%.
What is the long-term trend for Enova International's operating margin?
Over 5 years (2020 to 2025), Enova International's operating margin has grown at a -6.6% compound annual growth rate (CAGR), from 33% to 23.5%.
What does operating margin mean?
Operating income as a percentage of revenue (trailing twelve months). Captures profitability from core operations after both cost of revenue and operating expenses, but before interest and taxes.

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