# Enova International, Inc.: overview

ENVA · NYSE · CIK 1529864 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/enva.md) · [Financials](/companies/enva/financials.md) · [Filings](/companies/enva/filings.md) · [Insiders](/companies/enva/insiders.md)

Latest reported revenue: [$1.01bn](/filings/0001193125-26-429122.md) for Q3 FY2026, three months to 2026-09-30, from the 10-Q filed Oct 22, 2026 (XBRL us-gaap:Revenues, accession 0001193125-26-429122).

## Last eight quarters

| Line item | Unit | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [730 d](/filings/0001193125-26-060461.md) | [746](/filings/0001193125-26-174021.md) | [764](/filings/0001193125-26-314590.md) | [803](/filings/0001193125-26-429122.md) | [839 d](/filings/0001193125-26-060461.md) | [875](/filings/0001193125-26-174021.md) | [929](/filings/0001193125-26-314590.md) | [1,009](/filings/0001193125-26-429122.md) |
| Gross margin | % | [56.6% d](/filings/0001193125-26-060461.md) | [57.2%](/filings/0001193125-26-174021.md) | [57.8%](/filings/0001193125-26-314590.md) | [57.4%](/filings/0001193125-26-429122.md) | [59.8% d](/filings/0001193125-26-060461.md) | [60.4%](/filings/0001193125-26-174021.md) | [61.2%](/filings/0001193125-26-314590.md) | [60.9%](/filings/0001193125-26-429122.md) |
| Operating margin | % | [21.3% d](/filings/0001193125-26-060461.md) | [23.1%](/filings/0001193125-26-174021.md) | [24.1%](/filings/0001193125-26-314590.md) | [24.5%](/filings/0001193125-26-429122.md) | [22.2% d](/filings/0001193125-26-060461.md) | [23.7%](/filings/0001193125-26-174021.md) | [25.5%](/filings/0001193125-26-314590.md) | [24.5%](/filings/0001193125-26-429122.md) |
| Net margin | % | [8.7% d](/filings/0001193125-26-060461.md) | [9.8%](/filings/0001193125-26-174021.md) | [10.0%](/filings/0001193125-26-314590.md) | [10.0%](/filings/0001193125-26-429122.md) | [9.4% d](/filings/0001193125-26-060461.md) | [10.4%](/filings/0001193125-26-174021.md) | [11.3%](/filings/0001193125-26-314590.md) | [10.6%](/filings/0001193125-26-429122.md) |
| Diluted EPS | $ per share | not reported | [2.69](/filings/0001193125-26-174021.md) | [2.86](/filings/0001193125-26-314590.md) | [3.03](/filings/0001193125-26-429122.md) | not reported | [3.46](/filings/0001193125-26-174021.md) | [4.00](/filings/0001193125-26-314590.md) | [4.06](/filings/0001193125-26-429122.md) |
| Free cash flow | $m | [420 d](/filings/0001193125-26-060461.md) | [378](/filings/0001193125-26-174021.md) | [436 d](/filings/0001193125-26-314590.md) | [470 d](/filings/0001193125-26-429122.md) | [487 d](/filings/0001193125-26-060461.md) | [464](/filings/0001193125-26-174021.md) | [531 d](/filings/0001193125-26-314590.md) | [524 d](/filings/0001193125-26-429122.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Gross profit: us-gaap:GrossProfit; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets. Derived values: 12-month figure less the 9-month figure; 6-month figure less the 3-month figure; 9-month figure less the 6-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [1,208](/filings/0000950170-24-019385.md) | [1,736](/filings/0000950170-25-022244.md) | [2,118](/filings/0001193125-26-060461.md) | [2,658](/filings/0001193125-26-060461.md) | [3,152](/filings/0001193125-26-060461.md) |
| Gross margin | % | [84.8%](/filings/0000950170-24-019385.md) | [64.4%](/filings/0000950170-25-022244.md) | [58.1%](/filings/0001193125-26-060461.md) | [57.5%](/filings/0001193125-26-060461.md) | [58.1%](/filings/0001193125-26-060461.md) |
| Operating margin | % | [34.2%](/filings/0000950170-24-019385.md) | [22.1%](/filings/0000950170-25-022244.md) | [19.9%](/filings/0001193125-26-060461.md) | [22.0%](/filings/0001193125-26-060461.md) | [23.5%](/filings/0001193125-26-060461.md) |
| Net margin | % | [21.2%](/filings/0000950170-24-019385.md) | [11.9%](/filings/0000950170-25-022244.md) | [8.3%](/filings/0001193125-26-060461.md) | [7.9%](/filings/0001193125-26-060461.md) | [9.8%](/filings/0001193125-26-060461.md) |
| Diluted EPS | $ per share | [6.79](/filings/0000950170-24-019385.md) | [6.19](/filings/0000950170-25-022244.md) | [5.49](/filings/0001193125-26-060461.md) | [7.43](/filings/0001193125-26-060461.md) | [11.52](/filings/0001193125-26-060461.md) |
| Free cash flow | $m | [442](/filings/0000950170-24-019385.md) | [850](/filings/0000950170-25-022244.md) | [1,122](/filings/0001193125-26-060461.md) | [1,495](/filings/0001193125-26-060461.md) | [1,772](/filings/0001193125-26-060461.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Gross profit: us-gaap:GrossProfit; Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment; Capital expenditure: us-gaap:PaymentsToAcquireProductiveAssets.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/enva/insiders.md)

| Date | Insider | Role | Transaction | Shares | Reported price | Value | Filing |
| --- | --- | --- | --- | ---: | ---: | ---: | --- |
| 2026-10-28 | [Fisher David](/insiders/1315224.md) | Executive Chairman, Director, Officer | Sale (S) | 9,957 | $178.157 | $1.8m | [Form 4](/filings/0001193125-26-438273.md) |
| 2026-10-27 | [Fisher David](/insiders/1315224.md) | Executive Chairman, Director, Officer | Sale (S) | 13,200 | $171.7872 | $2.3m | [Form 4](/filings/0001193125-26-438273.md) |
| 2026-10-27 | [Chartier Kirk](/insiders/1483333.md) | Chief Strategy Officer, Officer | Sale (S) | 27,977 | $171.5082 | $4.8m | [Form 4](/filings/0001193125-26-438274.md) |
| 2026-10-27 | [Cunningham Steven E](/insiders/1575452.md) | Chief Executive Officer, Director, Officer | Sale (S) | 4,156 | $172.00 | $714.8k | [Form 4](/filings/0001193125-26-438275.md) |
| 2026-10-27 | [Cunningham Steven E](/insiders/1575452.md) | Chief Executive Officer, Director, Officer | Sale (S) | 3,758 | $172.00 | $646.4k | [Form 4](/filings/0001193125-26-438275.md) |
| 2026-10-27 | [Cunningham Steven E](/insiders/1575452.md) | Chief Executive Officer, Director, Officer | Sale (S) | 7,391 | $172.00 | $1.3m | [Form 4](/filings/0001193125-26-438275.md) |
| 2016-11-14 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 159,074 | $11.15 | $1.8m | [Form 4](/filings/0000840489-16-000230.md) |
| 2016-11-11 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 939,703 | $9.95 | $9.4m | [Form 4](/filings/0000840489-16-000230.md) |
| 2016-11-10 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 738,532 | $9.72 | $7.2m | [Form 4](/filings/0000840489-16-000230.md) |
| 2016-11-09 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 272,742 | $9.35 | $2.6m | [Form 4](/filings/0000840489-16-000230.md) |
| 2016-11-08 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 40,800 | $8.85 | $361.1k | [Form 4](/filings/0000840489-16-000216.md) |
| 2016-11-07 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 149,838 | $8.91 | $1.3m | [Form 4](/filings/0000840489-16-000216.md) |
| 2016-11-02 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 100,000 | $8.80 | $880.0k | [Form 4](/filings/0000840489-16-000208.md) |
| 2016-10-28 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 552,047 | $9.25 | $5.1m | [Form 4](/filings/0000840489-16-000204.md) |
| 2016-10-27 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 51,804 | $9.07 | $469.9k | [Form 4](/filings/0000840489-16-000198.md) |
| 2016-10-26 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 1,700 | $9.15 | $15.6k | [Form 4](/filings/0000840489-16-000198.md) |
| 2016-10-25 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 24,900 | $9.19 | $228.8k | [Form 4](/filings/0000840489-16-000194.md) |
| 2016-10-24 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 16,039 | $9.10 | $146.0k | [Form 4](/filings/0000840489-16-000194.md) |
| 2016-10-21 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 5,912 | $9.19 | $54.3k | [Form 4](/filings/0000840489-16-000194.md) |
| 2016-10-20 | [Firstcash, Inc](/insiders/840489.md) | 10% owner | Sale (S) | 13,800 | $9.37 | $129.3k | [Form 4](/filings/0000840489-16-000192.md) |

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $1.00bn | 4,164,846 |  | Added +104,453 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $256.1m | 1,063,968 |  | Reduced −1,169 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $244.3m | 1,014,929 |  | Added +49,926 |
| [Invesco Ltd.](/funds/914208.md) | 2026-06-30 | $226.6m | 941,183 |  | Added +52,996 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $211.9m | 880,279 |  | Reduced −176,435 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $209.1m | 868,413 |  | Added +264,859 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $200.1m | 831,027 |  | Reduced −35,423 |
| [RENAISSANCE TECHNOLOGIES LLC](/funds/1037389.md) | 2026-06-30 | $187.1m | 777,294 |  | Added +27,200 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $170.4m | 707,535 |  | Added +38,910 |
| [FRANKLIN RESOURCES INC](/funds/38777.md) | 2026-06-30 | $135.7m | 563,498 |  | Reduced −4,332 |

## Recent filings

[All 1,222 filings](/companies/enva/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-30 | 16:20 ET | [8-K](/filings/0001193125-26-441719.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation | 0001193125-26-441719 |
| 2026-10-22 | 17:20 ET | [10-Q](/filings/0001193125-26-429122.md) | Quarterly report, period 2026-09-30 | 0001193125-26-429122 |
| 2026-10-22 | 16:16 ET | [8-K](/filings/0001193125-26-428941.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001193125-26-428941 |
| 2026-10-16 | 17:25 ET | [8-K](/filings/0001193125-26-424282.md) | 1.01 Entry into a material agreement; 1.02 Termination of a material agreement; 9.01 Financial statements and exhibits | 0001193125-26-424282 |
| 2026-10-13 | 16:20 ET | [8-K](/filings/0001193125-26-420462.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation | 0001193125-26-420462 |
| 2026-09-25 | 16:15 ET | [8-K](/filings/0001193125-26-402851.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation; 9.01 Financial statements and exhibits | 0001193125-26-402851 |
| 2026-09-17 | 16:15 ET | [8-K](/filings/0001193125-26-394356.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation | 0001193125-26-394356 |
| 2026-09-15 | 17:21 ET | [8-K](/filings/0001193125-26-392151.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001193125-26-392151 |
| 2026-09-14 | 16:15 ET | [8-K](/filings/0001193125-26-390599.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001193125-26-390599 |
| 2026-09-09 | 16:20 ET | [8-K](/filings/0001193125-26-386483.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001193125-26-386483 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001193125-26-060461.md), filed Feb 20, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 1529864
- Tickers: ENVA
- Exchange: NYSE
- SIC code: 6141 Personal Credit Institutions
- State of incorporation: DE
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 30, 2026, 16:30 ET. No prices; not investment advice.