Filing Flows › Enova International (ENVA) › Q3 2026
Enova International (ENVA) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 22, 2026
Enova International (ENVA) reported revenue of $1.0B for the third quarter 2026 (Q3 2026), +26% from a year earlier and +9% from the quarter before. Operating margin was 24.5%, net earnings $107M (10.6% of revenue).
Enova International, Q3 2026: revenue $1.0B (+26% year over year), operating margin 24.5%, net earnings $107M, operating cash flow $536M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.0B | +9% | +26% |
| Gross profit | $614M | +8% | +33% |
| Operating profit | $247M | +4% | +26% |
| Net earnings | $107M | +2% | +34% |
| Operating cash flow | $536M | -2% | +11% |
| Free cash flow | $524M | -1% | +11% |
What changed
Revenue was $1.0B in Q3 2026, up 26% year over year and up 9% from the previous quarter.
Gross margin was 60.9%, up 3.5 points from Q3 2025. Operating profit was $0.25B, a 24.5% margin (unchanged year over year). Of the extra revenue versus Q3 2025, 24% reached operating profit, below the 25% margin then. Operating expenses grew 39% against revenue growth of 26%. The fastest-growing cost line was Other operating costs (+43%). Net earnings were $0.11B, up 34% year over year. The effective tax rate was 24.9%.
Operating cash flow was $0.54B (up 11% year over year), 499% of net earnings. Non-cash charges added back $0.01B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.41B. Capital expenditures of $0.01B left free cash flow of $0.52B.
Questions
What was Enova International's revenue in the third quarter 2026?
Enova International (ENVA) reported revenue of $1.0B for the third quarter 2026 (Q3 2026), +26% from a year earlier and +9% from the quarter before.
Was Enova International profitable in the third quarter 2026?
Operating profit was $247M (24.5% of revenue) and net earnings $107M.