Enova International (ENVA) earnings

Enova International, Inc.· Financials

Results to: Sep 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

Company research is public. Sign in to keep your own companies, notes and cases.

Enova International earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	1,009 $ million	+25.7% YoY	Quarterly, as filed	Quarter to Sep 2026	Revenue from operations as filed.
Operating margin	24.5 %	−0.0 pts YoY	Operating profit / revenue	Quarter to Sep 2026	For the quarter; a change is in percentage points.
Net profit	107 $ million	+33.6% YoY	Quarterly, as filed	Quarter to Sep 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Sep 2026

Price

$165.07 −6.62% · −$11.71

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +44.9% 1Y

1Y: $113.95 on 22 Oct 2025 → $165.07. High $265.45 (14 Aug 2026), low $113.95 (22 Oct 2025).

Previous close: $176.78
52-week range: $113.95 – $265.45
One year: +44.76%

Overview

Symbol: ENVA
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +34% (quarter to sep 2026 against sep 2025).

In $ million. Oldest period first.

Line item	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Sales	730	746	764	803	839	875	929	1,009
Operating profit	155	172	184	197	187	207	237	247
Operating margin	21.3%	23.1%	24.1%	24.5%	22.2%	23.7%	25.5%	24.5%
Interest	77	81	83	87	89	94	98	104
Profit before tax	77	91	101	110	99	113	140	143
Tax rate	17.7%	19.9%	24.6%	27.1%	20.1%	19.3%	25.0%	24.9%
Net profit	64	73	76	80	79	91	105	107
EPS ($ per share)	—	2.84	3.01	3.22	—	3.66	4.22	4.31

Source: Inve data · income statement, quarterly · to Sept 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	0	0	0	0	0	0	0	0
Reserves	336	373	849	1,106	1,313	1,488	1,698	2,006
Total liabilities	987	1,198	1,189	1,668	2,595	3,345	4,069	5,132
Fixed assets	46	55	79	78	93	109	120	133
Total assets	1,334	1,574	2,108	2,761	3,781	4,586	5,266	6,468

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	685	849	741	472	894	1,167	1,539	1,819
Cash from investing	-721	-941	84	-980	-1,666	-1,495	-1,911	-2,446
Cash from financing	22	95	-536	365	725	527	319	712
Net cash flow	-21	4	288	-143	-47	199	-55	85
Capital expenditure	-15	-20	-29	-30	-44	-45	-43	-47
Free cash flow	670	829	711	442	850	1,122	1,495	1,772

Source: Inve data · cash flow · to Dec 2025

Insider filings

87 filings between Oct 27, 2025 and Sep 17, 2026.

Open market

decisions to buy or sell

Purchases

None

No insider bought shares.

Sales

$57.07M

28 sales by 7 insiders

36% filed under a 10b5-1 plan — scheduled in advance, not decided on the day

Compensation

not trading decisions

16: Award — granted as compensation
16: Option exercise — converted options into shares
25: Tax withheld — shares kept back by the company to cover tax

Also filed: 2 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
Fisher David	—	$39.21M	Sep 17, 2026
TEBBE MARK	—	$7.47M	Jun 18, 2026
Cunningham Steven E	—	$3.67M	Apr 28, 2026
GOODYEAR WILLIAM M	—	$2.67M	Jun 16, 2026
Rahilly Sean	—	$2.12M	Jan 30, 2026
Gray James A	—	$1.72M	Feb 2, 2026
RICE LINDA JOHNSON	—	$209.6K	May 29, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 17, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	20,750	$430.1K
Sep 17, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	20,750	$3.70M
Aug 26, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	9,078	$188.2K
Aug 26, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	9,078	$2.17M
Aug 25, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	9,491	$2.32M
Aug 25, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	9,491	$196.7K
Aug 5, 2026	Veltre Maria Director	Award	772	$0
Jul 15, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	11,494	$2.66M
Jul 15, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	11,494	$238.3K
Jul 14, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	17,006	$3.94M
Jul 14, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	17,006	$352.5K
Jun 18, 2026	TEBBE MARK Director	Sale	20,000	$4.03M
Jun 17, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	33,060	$685.3K
Jun 17, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	33,060	$6.58M
Jun 16, 2026	GOODYEAR WILLIAM M Director	Sale	3,500	$658.1K
Jun 12, 2026	GOODYEAR WILLIAM M Director	Gift	8,437	$0
Jun 1, 2026	GOODYEAR WILLIAM M Director	Sale	5,983	$976.0K
May 29, 2026	RICE LINDA JOHNSON Director	Sale	1,300	$209.6K
May 22, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	3,076	$63.8K
May 22, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	3,076	$487.4K
May 21, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	7,180	$1.15M
May 21, 2026	Fisher David Executive Chairman	Option exercise 10b5-1 plan	7,180	$148.8K
May 18, 2026	GOODYEAR WILLIAM M Director	Sale	6,231	$1.03M
May 13, 2026	CARNAHAN ELLEN Director	Award	1,320	$0
May 13, 2026	Gray James A Director	Award	1,320	$0
May 13, 2026	KAPLAN GREGG A. Director	Award	1,320	$0
May 13, 2026	GOODYEAR WILLIAM M Director	Award	1,320	$0
May 13, 2026	RICE LINDA JOHNSON Director	Award	1,320	$0
May 13, 2026	McGowan Mark Director	Award	1,320	$0
May 13, 2026	TEBBE MARK Director	Award	1,320	$0
May 13, 2026	Corby Lindsay Y Director	Award	1,320	$0
May 13, 2026	FEEHAN DANIEL R Director	Award	1,320	$0
May 10, 2026	Cornelis Scott Chief Financial Officer	Tax withheld	544	$95.1K
May 7, 2026	Fisher David Executive Chairman	Sale	20,000	$3.46M
Apr 28, 2026	Cunningham Steven E Chief Executive Officer	Sale	3,696	$648.6K
Apr 28, 2026	Cunningham Steven E Chief Executive Officer	Option exercise	3,696	$118.2K
Apr 28, 2026	Cunningham Steven E Chief Executive Officer	Sale	4,156	$729.4K
Feb 18, 2026	Fisher David Executive Chairman	Sale 10b5-1 plan	7,143	$1.07M
Feb 11, 2026	Lee James Joseph Chief Accounting Officer	Award	3,723	$0
Feb 11, 2026	Rahilly Sean General Counsel and Secretary	Award	9,474	$0
Feb 11, 2026	Cornelis Scott Chief Financial Officer	Award	3,276	$0
Feb 11, 2026	Fisher David Executive Chairman	Award	13,515	$0
Feb 11, 2026	Cunningham Steven E Chief Executive Officer	Award	16,067	$0
Feb 11, 2026	Chartier Kirk Chief Strategy Officer	Award	4,573	$0
Feb 8, 2026	Lee James Joseph Chief Accounting Officer	Tax withheld	251	$40.4K
Feb 8, 2026	Cunningham Steven E Chief Executive Officer	Tax withheld	5,209	$839.2K
Feb 8, 2026	Rahilly Sean General Counsel and Secretary	Tax withheld	843	$135.8K
Feb 8, 2026	Lee James Joseph Chief Accounting Officer	Tax withheld	246	$39.6K
Feb 8, 2026	Cornelis Scott Chief Financial Officer	Tax withheld	242	$39.0K
Feb 8, 2026	Chartier Kirk Chief Strategy Officer	Tax withheld	1,791	$288.5K

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

Your own record

Start an Inve Case for Enova International, Inc.

Free account. Everything above stays public.

Write why you follow Enova International, Inc. and the condition you want checked. Inve compares your numeric conditions with available results and management guidance; your own conditions remain yours to review.

What an account adds

Keep reading