Filing Flows › Enova International (ENVA) › Q3 2026 › vs Q3 2025
Enova International (ENVA) Q3 2026 vs Q3 2025 (year over year)
Enova International's revenue rose $206M (+26%) from $803M in Q3 2025 to $1.0B in Q3 2026. Gross margin 60.9% against 57.4% (+3.5 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Gross margin | 60.9% | 57.4% | +3.5 pts |
| Operating margin | 24.5% | 24.5% | -0.0 pts |
| Net margin | 10.6% | 10.0% | +0.6 pts |
| Free cash flow margin | 51.9% | 58.6% | -6.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $1.0B | $803M | $206M | +26% |
| Gross profit | $614M | $461M | $154M | +33% |
| Cost of revenue | $395M | $342M | $52.8M | +15% |
| Operating profit | $247M | $197M | $50.4M | +26% |
| Operating expenses | $367M | $264M | $103M | +39% |
| Pre-tax earnings | $143M | $110M | $32.7M | +30% |
| Other expense, net | $104M | $86.6M | $17.8M | +21% |
| General & admin | $46.2M | $39.7M | $6.5M | +16% |
| Other operating costs | $321M | $224M | $96.7M | +43% |
| Net earnings | $107M | $80.3M | $27.0M | +34% |
| Income tax | $35.5M | $29.9M | $5.7M | +19% |
| Depreciation & amortization | $10.6M | $12.4M | −$1.7M | -14% |
| Share-based compensation | $9.4M | $8.5M | $887K | +10% |
| Working capital & other | $408M | $381M | $27.7M | +7% |
| Operating cash flow | $536M | $482M | $53.8M | +11% |
| Free cash flow (OCF − capex) | $524M | $470M | $53.5M | +11% |
| Capital expenditures | $11.6M | $11.3M | $279K | +2% |
Questions
How much did Enova International's revenue grow year over year in Q3 2026?
Enova International's revenue rose $206M (+26%) from $803M in Q3 2025 to $1.0B in Q3 2026. Gross margin 60.9% against 57.4% (+3.5 pts).