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Enova International cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$524M in Q3 2026 · $2.0B over twelve months

Operating cash flow$536M
Capital spending−$11.6M
Free cash flow+$524M
Cash / net income5.0×

Analysis

In Q3 2026, Enova International generated $536M of operating cash flow and spent $11.6M on capital projects, leaving free cash flow of $524M. That is $53.5M more than in Q3 2025 ($470M).

Over the twelve months to Sep 30, 2026, operating cash flow was $2.1B; the largest uses were other investing ($3.0B), buybacks ($141M), capital spending ($46.7M); besides operations, cash came from net borrowing (+) / repaid (−) ($1.3B), shares issued ($7.0M); the cash balance rose by $139M.

Operating cash flow was $536M against net income of $107M — 5.0× profit, cash ran ahead of reported earnings. The largest differences: deferred taxes +$23.7M, income taxes payable +$11.8M, depreciation & amortization +$10.6M.

Free cash flow

Enova International: free cash flow by quarterEnova International: free cash flow by quarter$420MQ4 2024$378MQ1 2025$436MQ2 2025$470MQ3 2025$487MQ4 2025$464MQ1 2026$531MQ2 2026$524MQ3 2026
Operating cash flow less capital spending.
Enova International: operating cash flow against capital spendingEnova International: operating cash flow against capital spendingOperating cash flowCapital spending$431M$10.2MQ4 2024$391M$12.9MQ1 2025$447M$11.2MQ2 2025$482M$11.3MQ3 2025$499M$11.7MQ4 2025$475M$10.8MQ1 2026$544M$12.6MQ2 2026$536M$11.6MQ3 2026
Latest (Q3 2026): Operating cash flow $536M, Capital spending $11.6M.

Capital allocation, year by year

Enova International: where the cash came from (up) and went (down), by fiscal yearEnova International: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $472MFY2021: Net borrowing $473MFY2021: Shares issued $15.5MFY2021: Capital spending −$29.7MFY2021: Acquisitions −$29.2MFY2021: Buybacks −$117M$960MFY2021FY2022: Operating cash flow $894MFY2022: Net borrowing $871MFY2022: Shares issued $4.2MFY2022: Capital spending −$43.6MFY2022: Buybacks −$143M$1.8BFY2022FY2023: Operating cash flow $1.2BFY2023: Net borrowing $362MFY2023: Shares issued $5.6MFY2023: Capital spending −$45.2MFY2023: Buybacks −$153M$1.5BFY2023FY2024: Operating cash flow $1.5BFY2024: Net borrowing $52.6MFY2024: Shares issued $12.2MFY2024: Capital spending −$43.4MFY2024: Buybacks −$289M$1.6BFY2024FY2025: Operating cash flow $1.8BFY2025: Net borrowing $934MFY2025: Shares issued $8.7MFY2025: Capital spending −$47.1MFY2025: Buybacks −$215M$2.8BFY2025
Over these 5 years operating cash flow totalled $5.9B; the largest uses were buybacks ($917M) and capital spending ($209M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$106M
Debt$5.4B
Net debt$5.3B

Enova International funds itself: free cash flow was $2.0B over the last twelve months, and $106M of cash and investments stands against $5.4B of debt.

Enova International: debt maturities by year (FY2025)Enova International: debt maturities by year (FY2025)$400MYear 3$1.1BYear 4
Principal due in each year as disclosed in the annual report, against $106M of cash and investments now.

Where the cash came from and went

Enova International: sources (+) and uses (−) of cash, Q3 2026Enova International: sources (+) and uses (−) of cash, Q3 2026Other investing−$800MOperating cash flow$536MNet borrowing (+) / repaid (−)$369MBuybacks−$46.3MCash drawn (+) / kept (−)−$31.2MOther financing−$16.7MCapital spending−$11.6MShares issued$1.4MExchange rates−$53K
Enova International: sources (+) and uses (−) of cash, TTM to Q3 2026Enova International: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$3.0BOperating cash flow$2.1BNet borrowing (+) / repaid (−)$1.3BBuybacks−$141MCash drawn (+) / kept (−)−$139MCapital spending−$46.7MOther financing−$24.5MShares issued$7.0MExchange rates−$539K

From profit to cash

Enova International: net income to operating cash flow, Q3 2026Enova International: net income to operating cash flow, Q3 2026Net income$107MDepreciation & amortization$10.6MStock-based pay$9.4MDeferred taxes$23.7MPayables$3.4MIncome taxes payable$11.8MOperating cash flow$536M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$536M−$11.6M−$46.3M$369M$1.4M−$31.2M$524M
Q2 2026$544M−$12.6M−$19.8M$178M$1.4M−$43.9M$531M
Q1 2026$475M−$10.8M−$39.6M$331M$1.7M−$13.5M$464M
Q4 2025$499M−$11.7M−$35.3M$393M$2.5M−$50.9M$487M
Q3 2025$482M−$11.3M−$38.4M$140M$3.6M$22.5M$470M
Q2 2025$447M−$11.2M−$55.3M$357M$1.1M−$67.6M$436M
Q1 2025$391M−$12.9M−$85.5M$495M$1.5M$10.8M$378M
Q4 2024$431M−$10.2M−$51.2M$267M$1.7M−$68.3M$420M

Enova International: income statement and cash flow

Enova International, Q3 2026: revenue $1.0B (+26% year over year), operating margin 24.5%. The chart follows the revenue to costs, profit and cash.

Enova International: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.