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Enova International vs Atlanticus Holdings: ENVA and ATLC compared
Enova International is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $776M for Atlanticus Holdings (Q3 2026). Atlanticus Holdings is growing faster (+60% against +26% a year earlier). Enova International is more profitable, with an operating margin of 24.5% against 15.6%.
Where the money goes: ENVA and ATLC
Enova International (ENVA) · Q3 2026
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.
Atlanticus Holdings (ATLC) · Q3 2026
Atlanticus Holdings, Q3 2026: revenue $776M (+60% year over year), operating margin 15.6%, net earnings $95.4M, operating cash flow $253M. The chart follows the revenue to costs, profit and cash.
| Enova International (ENVA) | Atlanticus Holdings (ATLC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.0B | $776M |
| Revenue growth, Y/Y | +26% | +60% |
| Gross margin | 60.9% | — |
| Operating margin | 24.5% | 15.6% |
| Net earnings | $107M | $95.4M |
| Net margin | 10.6% | 12.3% |
| Operating cash flow | $536M | $253M |
| Free cash flow | $524M | — |
| Market value | $4.6B | $1.8B |
| P/E | 11.9× | 8.2× |
| Analysts’ mean target | $230.83 | $130.60 |
Questions
Which is bigger, Enova International or Atlanticus Holdings?
Enova International is the larger company: $1.0B of revenue in its latest quarter (Q3 2026) against $776M for Atlanticus Holdings (Q3 2026).
Is Enova International or Atlanticus Holdings growing faster?
Atlanticus Holdings is growing faster (+60% against +26% a year earlier).
Which is more profitable, Enova International or Atlanticus Holdings?
Enova International is more profitable, with an operating margin of 24.5% against 15.6%.
More: Enova International earnings · how Enova International makes money · Atlanticus Holdings earnings · how Atlanticus Holdings makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 22, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.