Filing Flows › Enova International (ENVA) › Q2 2026
Enova International (ENVA) Q2 2026 earnings results (second quarter 2026)
10-Q filed Jul 23, 2026
Enova International (ENVA) reported revenue of $929M for the second quarter 2026 (Q2 2026), +22% from a year earlier and +6% from the quarter before. Operating margin was 25.5%, net earnings $105M (11.3% of revenue).
Enova International, Q2 2026: revenue $929M (+22% year over year), operating margin 25.5%, net earnings $105M, operating cash flow $544M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $929M | +6% | +22% |
| Gross profit | $568M | +7% | +29% |
| Operating profit | $237M | +15% | +29% |
| Net earnings | $105M | +15% | +38% |
| Operating cash flow | $544M | +15% | +22% |
| Free cash flow | $531M | +15% | +22% |
What changed
Revenue was $928.9M in Q2 2026, up 22% year over year and up 6% from the previous quarter.
Gross margin was 61.2%, up 3.4 points from Q2 2025. Operating profit was $237.1M, a 25.5% margin (up 1.4 points year over year). Of the extra revenue versus Q2 2025, 32% reached operating profit, above the 24% margin then. Operating expenses grew 29% against revenue growth of 22%. The fastest-growing cost line was Other operating costs (+32%). Net earnings were $105.1M, up 38% year over year. The effective tax rate was 25.0%.
Operating cash flow was $544.0M (up 22% year over year), 518% of net earnings. Non-cash charges added back $8.4M of depreciation and amortization and $8.7M of share-based compensation. Working capital and other items added $421.8M. Capital expenditures of $12.6M left free cash flow of $531.4M.
Questions
What was Enova International's revenue in the second quarter 2026?
Enova International (ENVA) reported revenue of $929M for the second quarter 2026 (Q2 2026), +22% from a year earlier and +6% from the quarter before.
Was Enova International profitable in the second quarter 2026?
Operating profit was $237M (25.5% of revenue) and net earnings $105M.