Enova International financials
$167.92−1.24%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $568.1M | $529.0M | $1.82B | $460.7M | $441.5M | $426.2M | $1.54B | $400.4M | $370.2M | $345.9M | $583.6M | $551.4M |
| Gross profit | $568.1M | $529.0M | $1.82B | $460.7M | $441.5M | $426.2M | $1.54B | $400.4M | $370.2M | $345.9M | $583.6M | $551.4M |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating income | $237.1M | $207.1M | $186.6M | $196.8M | $184.1M | $171.9M | $155.2M | $153.7M | $145.1M | $130.8M | $97.5M | $103.7M |
| Net income | $105.1M | $91.1M | $79.0M | $80.3M | $76.1M | $72.9M | $63.7M | $43.4M | $53.9M | $48.4M | $34.8M | $41.3M |
| Net margin | 18.5% | 17.2% | 4.3% | 17.4% | 17.2% | 17.1% | 4.1% | 10.8% | 14.6% | 14.0% | 6.0% | 7.5% |
| Diluted EPS | $4.00 | $3.46 | $2.94 | $3.03 | $2.86 | $2.69 | $2.30 | $1.57 | $1.93 | $1.64 | $1.13 | $1.29 |
| EBITDA | $245.6M | $216.0M | $195.7M | $209.1M | $194.5M | $182.0M | $165.4M | $163.8M | $154.8M | $141.1M | $97.5M | $113.7M |
| Operating cash flow | $544.0M | $474.5M | $498.8M | $481.8M | $447.4M | $391.1M | $430.5M | $398.6M | $360.9M | $348.6M | $314.3M | $271.2M |
| Free cash flow | $531.4M | $463.8M | $487.1M | $470.5M | $436.1M | $378.3M | $420.3M | $387.6M | $349.9M | $337.3M | $302.5M | $258.5M |
| Diluted shares | 26.3M | 26.3M | 26.9M | 26.5M | 26.6M | 27.1M | 27.7M | 27.7M | 27.9M | 29.5M | 30.9M | 31.9M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $122.2M | $96.1M | $71.7M | $53.6M | $55.6M | $55.5M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $5.01B | $4.83B | $4.50B | $4.11B | $3.96B | $3.76B |
| Total assets | $7.22B | $6.88B | $6.47B | $5.96B | $5.72B | $5.46B |
| Total liabilities | $5.73B | $5.48B | $5.13B | $4.68B | $4.50B | $4.26B |
| Shareholders' equity | $1.50B | $1.40B | $1.34B | $1.28B | $1.23B | $1.20B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology