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Enova International ENVA Retained Earnings

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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:RetainedEarningsAccumulatedDeficit.

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
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
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding
Additional paid in capital390,645346,926370,078
Retained earnings2,202,3001,846,8482,006,143
Accumulated other comprehensive loss(6,475)(8,853)(9,500)
Treasury stock, at cost (23,104,242, 22,106,516 and 22,725,620 shares as of June 30, 2026 and 2025 and December 31, 2025, respectively)(1,089,367)(956,266)(1,029,997)
Total stockholders’ equity1,497,1031,228,6551,336,724
Total liabilities and stockholders’ equity$7,222,182$5,724,753$6,468,432

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Enova International's retained earnings?
Enova International (ENVA) reported retained earnings of $2.2B in Q2 2026.
How has Enova International's retained earnings changed year-over-year?
Enova International's retained earnings increased by 19.2% year-over-year, from $1.85B to $2.2B.
What is the long-term trend for Enova International's retained earnings?
Over 5 years (2020 to 2025), Enova International's retained earnings has grown at a 18.8% compound annual growth rate (CAGR), from $849.47M to $2.01B.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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