ENVA · XBRL financial data

Enova International financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

How these numbers work

Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
* marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
0 means a filing states zero; a dash (—) means no filing states that number.
“year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
Shares outstanding come from each filing's cover page, as of the date printed there.
Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

Fiscal quarters (ENVA's year ends in late December)

In millions of dollars	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026	Q3 FY26Sep 30, 2026
Revenue	584*	610	628	690	730*	746	764	803	839*	875	929	1,009
Gross profit	—	346	370	400	—	426	441	461	—	529	568	614
General and administrative	49*	40	40	39	38*	42	41	40	47*	48	44	46
Total operating expenses	227*	215	225	247	258*	254	257	264	315*	322	331	367
Operating income (loss)	98*	131	145	154	155*	172	184	197	187*	207	237	247
Interest expense	57*	66	71	77	77*	81	83	87	89*	94	98	104
Other income (expense)	(0)*	(0)	(1)	(5)	0*	0	(1)	0	0*	—	0	(1)
Income tax expense (benefit)	7*	16	20	12	14*	18	25	30	20*	22	35	36
Net income (loss)	35*	48	54	43	64*	73	76	80	79*	91	105	107
Earnings per share, basic USD per share	1.17*	1.72	2.00	1.64	2.44*	2.84	3.01	3.22	3.19*	3.66	4.22	4.31
Earnings per share, diluted USD per share	1.13*	1.64	1.93	1.57	2.30*	2.69	2.86	3.03	2.94*	3.46	4.00	4.06
Weighted average shares, basic millions of shares	30*	28	27	26	26*	26	25	25	25*	25	25	25
Weighted average shares, diluted millions of shares	31*	30	28	28	28*	27	27	26	27*	26	26	26

Fiscal quarters (ENVA's year ends in late December)

In millions of dollars	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026	Q3 FY26Sep 30, 2026
Cash and cash equivalents	54	76	60	68	74	56	56	54	72	96	122	106
Property and equipment, net	109	112	115	118	120	125	128	129	133	136	140	141
Right-of-use asset	14	14	13	13	18	18	18	17	17	16	15	16
Goodwill	279	279	279	279	279	279	279	279	279	279	279	279
Total assets	4,586	4,637	4,817	4,976	5,266	5,457	5,725	5,962	6,468	6,877	7,222	7,696
Total liabilities	3,345	3,486	3,670	3,797	4,069	4,261	4,496	4,679	5,132	5,475	5,725	6,127
Retained earnings	1,488	1,537	1,591	1,634	1,698	1,771	1,847	1,927	2,006	2,097	2,202	2,310
Total stockholders' equity	1,240	1,150	1,148	1,179	1,197	1,197	1,229	1,284	1,337	1,402	1,497	1,569
Total liabilities and equity	4,586	4,637	4,817	4,976	5,266	5,457	5,725	5,962	6,468	6,877	7,222	7,696
Common shares outstanding (cover page) millions of shares	28	27	26	26	26	25	25	25	25	25	25	24

Fiscal quarters (ENVA's year ends in late December)

In millions of dollars	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026	Q3 FY26Sep 30, 2026
Net income (loss)	35*	48	54	43	64*	73	76	80	79*	91	105	107
Stock-based compensation	7*	8	8*	8*	8*	8	8*	9*	9*	9	9*	9*
Net cash from operating activities	314*	349	361*	399*	431*	391	447*	482*	499*	475	544*	536*
Net cash from investing activities	(566)*	(443)	(407)*	(482)*	(579)*	(510)	(528)*	(605)*	(803)*	(753)	(658)*	(812)*
Share repurchases	67*	151	63*	23*	51*	86	55*	38*	35*	40	20*	46*
Net cash from financing activities	433*	(54)	89*	67*	217*	107	149*	101*	355*	292	158*	307*
Net change in cash	181*	(149)	42*	(17)*	68*	(11)	68*	(22)*	51*	13	44*	31*

SIC 6141 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen

SIC 6141 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
* marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.

Company	Cash ($M)	Revenue, quarter ($M)	Operating cash flow, quarter ($M)	Shares outstanding	Quarter
Enova International	106	1,009	536*	24.5M	Q3 FY26 10-QSep 30, 2026
Bread Financial Holdings	3,961	1,017	601*	38.0M	Q3 FY26 10-QSep 30, 2026
Atlanticus Holdings	555	744	277*	15.2M	Q2 FY26 10-QJun 30, 2026
Credit Acceptance	1.3	595	336*	10.1M	Q3 FY26 10-QSep 30, 2026
Happen	15	263	(692)*	115.2M	Q3 FY26 10-QSep 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.