Filing Flows › Enova International (ENVA) › Q2 2026 › vs Q2 2025
Enova International (ENVA) Q2 2026 vs Q2 2025 (year over year)
Enova International's revenue rose $165M (+22%) from $764M in Q2 2025 to $929M in Q2 2026. Gross margin 61.2% against 57.8% (+3.4 pts).
Enova International, Q2 2026: revenue $929M (+22% year over year), operating margin 25.5%, net earnings $105M, operating cash flow $544M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Gross margin | 61.2% | 57.8% | +3.4 pts |
| Operating margin | 25.5% | 24.1% | +1.4 pts |
| Net margin | 11.3% | 10.0% | +1.3 pts |
| Free cash flow margin | 57.2% | 57.1% | +0.1 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $929M | $764M | $165M | +22% |
| Gross profit | $568M | $441M | $127M | +29% |
| Cost of revenue | $361M | $323M | $38.3M | +12% |
| Operating profit | $237M | $184M | $53.0M | +29% |
| Operating expenses | $331M | $257M | $73.6M | +29% |
| Pre-tax earnings | $140M | $101M | $39.1M | +39% |
| Other expense, net | $97.0M | $83.1M | $14.0M | +17% |
| General & admin | $44.1M | $40.5M | $3.6M | +9% |
| Other operating costs | $287M | $217M | $70.0M | +32% |
| Net earnings | $105M | $76.1M | $28.9M | +38% |
| Income tax | $35.0M | $24.9M | $10.1M | +41% |
| Depreciation & amortization | $8.4M | $10.3M | −$1.9M | -19% |
| Share-based compensation | $8.7M | $8.1M | $641K | +8% |
| Working capital & other | $422M | $353M | $69.0M | +20% |
| Operating cash flow | $544M | $447M | $96.7M | +22% |
| Free cash flow (OCF − capex) | $531M | $436M | $95.3M | +22% |
| Capital expenditures | $12.6M | $11.2M | $1.4M | +12% |
Questions
How much did Enova International's revenue grow year over year in Q2 2026?
Enova International's revenue rose $165M (+22%) from $764M in Q2 2025 to $929M in Q2 2026. Gross margin 61.2% against 57.8% (+3.4 pts).