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Enova International (ENVA) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 22, 2026 · Enova International (ENVA) Q3 2026 earnings results →
Q3 2026 Revenue up 26% year over year to $1.0B · 11¢ of every $1 of revenue kept as net profit · operating margin 24.5%
Enova International made $1.0B in Q3 2026 (+26% Y/Y). Operating margin 24.5%, net earnings $107M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 22, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.0B in Q3 2026, up 26% year over year and up 9% from the previous quarter.
Gross margin was 60.9%, up 3.5 points from Q3 2025. Operating profit was $0.25B, a 24.5% margin (unchanged year over year). Of the extra revenue versus Q3 2025, 24% reached operating profit, below the 25% margin then. Operating expenses grew 39% against revenue growth of 26%. The fastest-growing cost line was Other operating costs (+43%). Net earnings were $0.11B, up 34% year over year. The effective tax rate was 24.9%.
Operating cash flow was $0.54B (up 11% year over year), 499% of net earnings. Non-cash charges added back $0.01B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.41B. Capital expenditures of $0.01B left free cash flow of $0.52B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 22, 2026 | $1.0B | +26% | 24.5% | $107M | $536M |
| Q2 2026 | 10-Q | Jul 23, 2026 | $929M | +22% | 25.5% | $105M | $544M |
| Q1 2026 | 10-Q | Apr 23, 2026 | $875M | +17% | 23.7% | $91.1M | $475M |
| Q4 2025 | 10-K | Feb 20, 2026 | $839M | +15% | 22.2% | $79.0M | $499M |
| Q3 2025 | 10-Q | Oct 24, 2025 | $803M | +16% | 24.5% | $80.3M | $482M |
| Q2 2025 | 10-Q | Jul 25, 2025 | $764M | +22% | 24.1% | $76.1M | $447M |
| Q1 2025 | 10-Q | Apr 29, 2025 | $746M | +22% | 23.1% | $72.9M | $391M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Enova International
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $72 billion in loans and financing to more than 15 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.
In its own words, from its 8-K, filed Jul 23, 2026.
Enova International against its Personal Credit Institutions peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +26% against the peers' median +8%. Operating margin: 24.5% against the peers' median 15.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ENVA Enova International | Q3 2026 | $1.0B | +26% | 24.5% |
| OMF OneMain Holdings | Q3 2026 | $1.4B | +10% | 17.2% |
| AFRM Affirm Holdings | Q1 FY27 | $1.3B | +35% | 14.8% |
| BFH Bread Financial Holdings | Q3 2026 | $1.0B | +5% | 20.6% |
| ATLC Atlanticus Holdings | Q3 2026 | $776M | +60% | 15.6% |
| CACC Credit Acceptance | Q3 2026 | $595M | +2% | -12.4% |
| HAPN Happen | Q3 2026 | $263M | -1% | 29.2% |
| RM Regional Management | Q3 2026 | $179M | +8% | 11.1% |
| WRLD World Acceptance | Q2 FY27 | $139M | +3% | 8.4% |
Source: Enova International 10-Q on SEC EDGAR · CIK 1529864 · Personal Credit Institutions
13F: who owns ENVA and who is buying
More on ENVA
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- Is Enova International a takeover target? LBO and rumors
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History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results