Filing Flows › Enova International (ENVA) › How it makes money
How Enova International (ENVA) makes money
Enova International (ENVA) made $1.0B of revenue in the third quarter 2026 (Q3 2026), +26% from a year earlier. Of every dollar of revenue, 61¢ was left as gross profit, 24¢ was left as operating profit, 11¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $1.0B | 100.0% |
| Cost of revenue | $395M | 39.1% |
| Gross profit | $614M | 60.9% |
| Operating expenses | $367M | 36.4% |
| Operating profit | $247M | 24.5% |
| Income tax | $35.5M | 3.5% |
| Net earnings | $107M | 10.6% |
| Operating cash flow | $536M | 53.1% |
| Free cash flow | $524M | 51.9% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $1.0B | +26% |
| Q2 2026 | $929M | +22% |
| Q1 2026 | $875M | +17% |
| Q4 2025 | $839M | +15% |
| Q3 2025 | $803M | +16% |
| Q2 2025 | $764M | +22% |
| Q1 2025 | $746M | +22% |
From Enova International's 10-Q filed Oct 22, 2026 (on EDGAR).
Questions
How does Enova International make money?
Enova International (ENVA) made $1.0B of revenue in the third quarter 2026 (Q3 2026), +26% from a year earlier. Of every dollar of revenue, 61¢ was left as gross profit, 24¢ was left as operating profit, 11¢ was left as net earnings.
What is Enova International's profit margin?
Net earnings were $107M, 10.6% of revenue, in the third quarter 2026; the operating margin was 24.5%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.