Filing Flows › Enova International (ENVA) › Q3 2026 › vs Q2 2026
Enova International (ENVA) Q3 2026 vs Q2 2026 (quarter over quarter)
Enova International's revenue rose $80.2M (+9%) from $929M in Q2 2026 to $1.0B in Q3 2026. Gross margin 60.9% against 61.2% (-0.3 pts).
Enova International, Q3 2026: revenue $1.0B (+26% year over year), operating margin 24.5%, net earnings $107M, operating cash flow $536M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Gross margin | 60.9% | 61.2% | -0.3 pts |
| Operating margin | 24.5% | 25.5% | -1.0 pts |
| Net margin | 10.6% | 11.3% | -0.7 pts |
| Free cash flow margin | 51.9% | 57.2% | -5.3 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $1.0B | $929M | $80.2M | +9% |
| Gross profit | $614M | $568M | $46.3M | +8% |
| Cost of revenue | $395M | $361M | $34.0M | +9% |
| Operating profit | $247M | $237M | $10.1M | +4% |
| Operating expenses | $367M | $331M | $36.2M | +11% |
| Pre-tax earnings | $143M | $140M | $2.7M | +2% |
| Other expense, net | $104M | $97.0M | $7.3M | +8% |
| General & admin | $46.2M | $44.1M | $2.1M | +5% |
| Other operating costs | $321M | $287M | $34.1M | +12% |
| Net earnings | $107M | $105M | $2.2M | +2% |
| Income tax | $35.5M | $35.0M | $489K | +1% |
| Depreciation & amortization | $10.6M | $8.4M | $2.2M | +26% |
| Share-based compensation | $9.4M | $8.7M | $675K | +8% |
| Working capital & other | $408M | $422M | −$13.5M | -3% |
| Operating cash flow | $536M | $544M | −$8.4M | -2% |
| Free cash flow (OCF − capex) | $524M | $531M | −$7.4M | -1% |
| Capital expenditures | $11.6M | $12.6M | −$990K | -8% |
Questions
How much did Enova International's revenue grow quarter over quarter in Q3 2026?
Enova International's revenue rose $80.2M (+9%) from $929M in Q2 2026 to $1.0B in Q3 2026. Gross margin 60.9% against 61.2% (-0.3 pts).