Enova International, Inc. (ENVA)
Enova International, Inc. brought in $3.7B of revenue over the twelve months to September 30, 2026, up 20.1% from a year earlier. Net income was $382.4M, a net margin of 10.5%. Operating cash flow minus capital spending left $1.8B of free cash flow in fiscal 2025. At September 30, 2026 it held $106M in cash against $5.4B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 22, 2026.
Key facts about Enova International, Inc.
- Net worth
- Enova International, Inc. has a market value (market cap) of $4.2B at the latest share price, and shareholders' equity of $1.6B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $3.2B (+18.6% year on year), with net income of $308.4M. Over the 12 months to September 30, 2026: revenue $3.7B, net income $382.4M.
- Cash flow
- In fiscal 2025 operations brought in $1.8B of cash; after $47.1M of capital spending, free cash flow was $1.8B.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 22, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Enova International, Inc.'s next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Enova International, Inc. paid dividends of $3.71 per share in fiscal 2015.
What Enova International, Inc. does
Enova International, Inc. is registered with the SEC under industry code SIC 6141 (Personal Credit Institutions). Its shares trade on NYSE under the ticker ENVA.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $3.2B | $308.4M | $11.52 | $1.8B |
| 2024 | $2.7B | $209.4M | $7.43 | $1.5B |
| 2023 | $2.1B | $175.1M | $5.49 | $1.1B |
| 2022 | $1.7B | $207.4M | $6.19 | $850.4M |
| 2021 | $1.2B | $256.3M | $6.79 | $442.2M |
| 2020 | $1.1B | $377.8M | $11.70 | $711.4M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where ENVA ranks in Finance
Dividends
Enova International, Inc. paid $3.71 per share in fiscal 2015.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2015 | $3.71 | n/a | n/a |
| 2014 | $3.71 | $122.4M | n/a |
Latest SEC filings
What Enova International, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026
- November 5, 2026Other event 8-K
- November 5, 2026Passive stake (5% or more) SCHEDULE 13G
- November 4, 2026Other event 8-K
- November 3, 2026
- October 30, 2026
- October 23, 2026Form POS AM filing POS AM
- October 22, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 26% to $1B versus the same quarter last year; diluted EPS $4.06 versus $3.03.
- October 22, 2026
- October 16, 2026
What is ENVA worth? A DCF from its reported cash flow
Insider trades
What the people running Enova International, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $21.5M worth of shares in the last 90 days and bought none on the open market. Most of the selling (57%) was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 29, 2026 | Rahilly SeanGeneral Counsel and Secretary | Exercised options | 10,000 | $207.3K |
| October 29, 2026 | Rahilly SeanGeneral Counsel and Secretary | Sold | 10,000 | $1.8M |
| October 28, 2026 | Fisher DavidExecutive Chairman, Director | Exercised options | 9,957 | $206.4K |
| October 28, 2026 | Fisher DavidExecutive Chairman, Director | Soldpre-planned (10b5-1) | 9,957 | $1.8M |
| October 27, 2026 | Fisher DavidExecutive Chairman, Director | Exercised options | 13,200 | $273.6K |
| October 27, 2026 | Fisher DavidExecutive Chairman, Director | Soldpre-planned (10b5-1) | 13,200 | $2.3M |
| October 27, 2026 | Chartier KirkChief Strategy Officer | Sold | 27,977 | $4.8M |
| October 27, 2026 | Cunningham Steven EChief Executive Officer, Director | Exercised options | 7,391 | $236.4K |
Who owns ENVA
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Fmr LLC13G, passive with 1 related filers | 6.2% | November 5, 2026 |
| Vanguard Capital Management13G, passive | 5.01% | July 31, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 427 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 4,164,846 | +104,453 |
| Vanguard Capital Management LLC | 1,063,968 | -1,169 |
| State Street Corp | 1,014,929 | +49,926 |
| Invesco Ltd. | 941,183 | +52,996 |
| Dimensional Fund Advisors LP | 880,279 | -176,435 |
| Fmr LLC | 868,413 | +264,859 |
| Vanguard Portfolio Management LLC | 831,027 | -35,423 |
| Renaissance Technologies LLC | 777,294 | +27,200 |
| Geode Capital Management, LLC | 707,535 | +38,910 |
| Franklin Resources Inc | 563,498 | -4,332 |
| American Century Companies Inc | 415,103 | +81,609 |
| Empyrean Capital Partners, LP | 391,000 | -3,064 |
| Charles Schwab Investment Management Inc | 388,643 | -12,110 |
| Morgan Stanley | 355,027 | +13,120 |
| Northern Trust Corp | 296,864 | +19,234 |
| Jpmorgan Chase & Co | 293,663 | +73,049 |
| Goldman Sachs Group Inc | 281,905 | -132,058 |
| No Street GP LP | 275,000 | -12,500 |
| Park West Asset Management LLC | 249,213 | +2,950 |
| Wellington Management Group Llp | 245,185 | -9,037 |
Insiders
16 insiders reported holding 1,044,822 shares in total, about $177.5M at the last price.
| Holder | Shares |
|---|---|
| Fisher DavidExecutive Chairman, Director | 306,444 |
| Cunningham Steven EChief Executive Officer, Director | 118,789 |
| Rahilly SeanGeneral Counsel and Secretary | 104,249 |
| Gray James ADirector | 80,02910,000 held indirectly |
| Chartier KirkChief Strategy Officer | 76,995 |
| Feehan Daniel RDirector | 61,706 |
| Carnahan EllenDirector | 59,704 |
| Goodyear William MDirector | 50,820 |
| Tebbe MarkDirector | 50,029 |
| McGowan MarkDirector | 47,021 |
Questions about ENVA
What does Enova International, Inc. do?
Enova International, Inc. is a company in the Finance sector, listed on NYSE as ENVA. Its shares trade on NYSE under the ticker ENVA.
What is Enova International, Inc.'s net worth?
Enova International, Inc. has a market value (market cap) of $4.2B at the latest share price, and shareholders' equity of $1.6B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Enova International, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $382.4M on revenue of $3.7B, a net margin of 10.5%.
How much revenue does Enova International, Inc. make?
Over the twelve months to September 30, 2026 Enova International, Inc. reported revenue of $3.7B. That is 20.1% more than a year earlier.
When did Enova International, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 22, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the investor disclosure from November 6, 2026.
When is Enova International, Inc.'s next earnings report?
Enova International, Inc.'s next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Enova International, Inc. pay a dividend?
Yes. Enova International, Inc. paid dividends of $3.71 per share in fiscal 2015.
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Where the numbers come from
Financial figures are the values Enova International, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.