Q3 FY2026 · ended Sep 30, 2026 · Revenue $1.01B, +25.7% YoY · Filed Oct 22, 2026
Enova International, Inc. (ENVA) files with the SEC under industry code 6141, Personal Credit Institutions. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $1.0 billion and net income of $107.3 million. Free cash flow was $524.0 million. As of Sep 30, 2026 it held $106.0 million in cash and investments and $5.4 billion in total debt.
Revenue
$1.01B
+25.7% vs year-ago quarter
Net income
$107.30M
+33.6% vs year-ago quarter
Operating cash flow
$535.62M
+11.2% vs year-ago quarter
Free cash flow
$523.99M
+11.4% vs year-ago quarter
EPS
$4.06
+34.0% vs year-ago quarter
Dividend per share
None
Shares outstanding
24.46M
-1.4% vs year-ago quarter
Net cash
$-5.30B
Q3 FY2026
Operating margin
24.0%
TTM
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- ENVA (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Chicago, IL
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1529864
- Former names
- Enova International, Inc. (until Nov 4, 2026)
Other Personal Credit Institutions companies
- Affirm Holdings, Inc. AFRM
- OneMain Holdings, Inc. OMF
- Credit Acceptance Corp CACC
- Nelnet Inc NNI
- Bread Financial Holdings, Inc. BFH
- SLM Corp SLM
- Happen, Inc. HAPN
- Atlanticus Holdings Corp ATLC
Key figures
Fiscal-year totals from the annual reports; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $1.0B | $928.9M | $875.1M | $839.4M | $802.7M |
| Operating income | $247.2M | $237.1M | $207.1M | $186.6M | $196.8M |
| Net income | $107.3M | $105.1M | $91.1M | $79.0M | $80.3M |
| Diluted EPS | $4.06 | $4.00 | $3.46 | $2.98 | $3.03 |
| Operating cash flow | $535.6M | $544.0M | $474.5M | $498.8M | $481.8M |
| Free cash flow | $524.0M | $531.4M | $463.8M | $487.1M | $470.5M |
| Total assets | $7.7B | $7.2B | $6.9B | $6.5B | $6.0B |
| Total liabilities | $6.1B | $5.7B | $5.5B | $5.1B | $4.7B |
| Stockholders' equity | $1.6B | $1.5B | $1.4B | $1.3B | $1.3B |
| Cash and investments | $106.0M | $122.2M | $96.1M | $71.7M | $53.6M |
| Total debt | $5.4B | $5.0B | $4.9B | $4.5B | $4.1B |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Other events
|
Nov 4, 2026 | Nov 4, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Nov 3, 2026 | Nov 3, 2026 |
| 8-K |
Current report
Material agreement, New debt
|
Oct 30, 2026 | Oct 30, 2026 |
| 10-Q | Quarterly report | Oct 22, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 22, 2026 | Oct 22, 2026 |
| 8-K |
Current report
Material agreement, Agreement ended
|
Oct 16, 2026 | Oct 16, 2026 |
All 1001 Enova International, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.