Security
Enova International, Inc. · ENVA
ENVANYSECommon stockCurrentCIK 1529864Updated Nov 3, 2026
Name history
Enova International, Inc. · through Nov 2, 2026
ENVA price & chart
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NYSE:ENVA on TradingView ↗About the company
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $74 billion in loans and financing to more than 16 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.
In the news
Enova To Participate in Upcoming Investor Conferences ↗
Enova Reports Third Quarter 2026 Results ↗
Wolf Popper LLP Announces Investigation on Behalf of Enova International, Inc. Investors ↗
Recent filings
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
Items 1.01, 2.03
4 filing
4 filing
EFFECT filing
144 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 5,962,237,000Source | 4,975,696,000Source | 7,222,182,000Source | 5,724,753,000Source | 4,817,091,000Source | 6,877,251,000Source | 5,457,258,000Source | 4,636,527,000Source | 6,468,432,000Source | 5,266,131,000Source | 4,585,536,000Source | 3,780,889,000Source |
| Property, Plant and Equipment, NetUSD | 128,690,000Source | 117,970,000Source | 140,251,000Source | 127,686,000Source | 115,061,000Source | 135,666,000Source | 124,791,000Source | 111,678,000Source | 132,566,000Source | 119,956,000Source | 108,705,000Source | 93,228,000Source |
| GoodwillUSD | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 4,910,000Source | 12,964,000Source | 2,151,000Source | 6,923,000Source | 14,978,000Source | 2,410,000Source | 8,937,000Source | 16,991,000Source | 3,660,000Source | 10,951,000Source | 19,005,000Source | 27,390,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 53,600,000Source | 67,500,000Source | 122,226,000Source | 55,560,000Source | 60,138,000Source | 96,130,000Source | 55,514,000Source | 76,458,000Source | 71,709,000Source | 73,910,000Source | 54,357,000Source | 100,165,000Source |
| Operating Lease, Right-of-Use AssetUSD | 17,167,000Source | 12,705,000Source | 15,352,000Source | 17,781,000Source | 13,180,000Source | 15,926,000Source | 17,607,000Source | 13,651,000Source | 16,549,000Source | 18,201,000Source | 14,251,000Source | 19,347,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 4,678,562,000Source | 3,797,003,000Source | 5,725,079,000Source | 4,496,098,000Source | 3,669,563,000Source | 5,475,468,000Source | 4,260,608,000Source | 3,486,316,000Source | 5,131,708,000Source | 4,069,207,000Source | 3,345,353,000Source | 2,594,744,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Retained Earnings (Accumulated Deficit)USD | 1,927,162,000Source | 1,634,059,000Source | 2,202,300,000Source | 1,846,848,000Source | 1,590,645,000Source | 2,097,242,000Source | 1,770,699,000Source | 1,536,734,000Source | 2,006,143,000Source | 1,697,754,000Source | 1,488,306,000Source | 1,313,185,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -7,872,000Source | -9,422,000Source | -6,475,000Source | -8,853,000Source | -10,749,000Source | -6,406,000Source | -10,782,000Source | -7,234,000Source | -9,500,000Source | -13,691,000Source | -6,264,000Source | -5,990,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,283,675,000Source | 1,178,693,000Source | 1,497,103,000Source | 1,228,655,000Source | 1,147,528,000Source | 1,401,783,000Source | 1,196,650,000Source | 1,150,211,000Source | 1,336,724,000Source | 1,196,924,000Source | 1,240,183,000Source | 1,186,145,000Source |
| Additional Paid in Capital, Common StockUSD | 359,054,000Source | 318,223,000Source | 390,645,000Source | 346,926,000Source | 308,481,000Source | 380,534,000Source | 337,679,000Source | 298,191,000Source | 370,078,000Source | 328,268,000Source | 284,256,000Source | 251,878,000Source |
| Liabilities and EquityUSD | 5,962,237,000Source | 4,975,696,000Source | 7,222,182,000Source | 5,724,753,000Source | 4,817,091,000Source | 6,877,251,000Source | 5,457,258,000Source | 4,636,527,000Source | 6,468,432,000Source | 5,266,131,000Source | 4,585,536,000Source | 3,780,889,000Source |
| Deferred Income Tax Liabilities, NetUSD | 286,930,000Source | 217,387,000Source | 344,742,000Source | 242,421,000Source | 114,959,000Source | 329,101,000Source | 233,693,000Source | 127,887,000Source | 295,437,000Source | 223,590,000Source | 113,350,000Source | 104,169,000Source |
| Additional Financial Items | ||||||||||||
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | 295,437,000Source | 223,590,000Source | 113,350,000Source | 104,169,000Source |
| Long-term DebtUSD | 4,106,471,000Source | 3,293,735,000Source | 5,013,901,000Source | 3,963,514,000Source | 3,194,121,000Source | 4,832,542,000Source | 3,757,351,000Source | 3,040,867,000Source | 4,498,381,000Source | 3,563,482,000Source | 2,943,805,000Source | 2,258,660,000Source |
| Preferred Stock, Value, Issued | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 91,099,000Source | 72,945,000Source | 308,389,000Source | 209,448,000Source | 175,121,000Source | 207,424,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation and amortization | — | — | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 8,709,000Source | 7,936,000Source | 33,096,000Source | 31,816,000Source | 26,738,000Source | 21,950,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | 32,698,000Source | 9,189,000Source | 70,560,000Source | 112,722,000Source | 8,545,000Source | 17,034,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 474,540,000Source | 391,144,000Source | 1,819,121,000Source | 1,538,576,000Source | 1,166,869,000Source | 893,998,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -753,372,000Source | -509,590,000Source | -2,445,783,000Source | -1,911,195,000Source | -1,494,658,000Source | -1,666,270,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 39,590,000Source | 85,539,000Source | 214,590,000Source | 289,292,000Source | 153,187,000Source | 143,070,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 292,119,000Source | 107,327,000Source | 711,818,000Source | 318,882,000Source | 526,541,000Source | 724,866,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 13,493,000Source | -10,812,000Source | 85,195,000Source | -54,771,000Source | 199,039,000Source | -47,483,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | — | — | 321,080,000Source | 274,117,000Source | 182,407,000Source | 108,006,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 1,439,000Source | -1,517,000Source | -3,105,000Source | -2,354,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Debt Issuance Costs and DiscountsUSD | — | — | — | — | — | — | 4,306,000Source | 3,837,000Source | 16,588,000Source | 15,787,000Source | 10,123,000Source | 5,698,000Source |
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 7,300,000Source | 8,100,000Source | 8,400,000Source | 8,100,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 34,500,000Source | 32,200,000Source | 29,800,000Source | 28,800,000Source |
| Disposal Group, Not Discontinued Operation, Gain (Loss) on DisposalUSD | — | — | — | — | — | — | — | — | — | — | — | -4,388,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | — | — | 90,000Source | -95,000Source | 440,000Source | 134,000Source | -496,000Source | -452,000Source | 367,000Source | -1,064,000Source | 57,000Source | -645,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | — | — | — | — | 0Source | -1,019,000Source | -5,690,000Source | -282,000Source | — |
| General and Administrative ExpenseUSD | — | — | 39,661,000Source | 38,916,000Source | 44,080,000Source | 40,508,000Source | 47,778,000Source | 42,464,000Source | 169,722,000Source | 156,524,000Source | 160,265,000Source | 140,464,000Source |
| GoodwillUSD | — | — | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source | 279,275,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to ParentUSD | — | — | — | — | — | — | — | — | — | — | — | 207,424,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | — | — | 175,121,000Source | 207,424,000Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | 258,000Source | -16,552,000Source | 338,000Source | 613,000Source | 301,000Source | 120,000Source | 1,559,000Source | -16,460,000Source | 116,000Source | 6,435,000Source |
| Income Tax Expense (Benefit)USD | — | — | 29,855,000Source | 12,073,000Source | 35,049,000Source | 24,904,000Source | 21,766,000Source | 18,083,000Source | 92,645,000Source | 61,653,000Source | 52,126,000Source | 65,150,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 80,314,000Source | 43,414,000Source | 105,058,000Source | 76,149,000Source | 91,099,000Source | 72,945,000Source | 308,389,000Source | 209,448,000Source | 175,121,000Source | 207,424,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | — | 209,448,000Source | — | — |
| Operating ExpensesUSD | — | — | 263,932,000Source | 246,642,000Source | 330,919,000Source | 257,352,000Source | 321,853,000Source | 254,278,000Source | 1,090,809,000Source | 944,691,000Source | 807,787,000Source | 733,572,000Source |
| Operating Lease, Impairment LossUSD | — | — | — | — | — | — | — | — | — | — | — | -72,000Source |
| Other Nonoperating Income (Expense)USD | — | — | 0Source | -4,678,000Source | 0Source | -1,019,000Source | — | 0Source | -1,019,000Source | -5,691,000Source | -282,000Source | -1,321,000Source |
| Payments of Financing CostsUSD | — | — | — | — | — | — | 1,247,000Source | 3,991,000Source | 15,301,000Source | 28,066,000Source | 22,422,000Source | 7,473,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | 1,747,000Source | 1,475,000Source | 8,714,000Source | 12,196,000Source | 5,640,000Source | 4,239,000Source |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 802,678,000Source | 689,924,000Source | 928,927,000Source | 764,043,000Source | 875,142,000Source | 745,541,000Source | 3,151,653,000Source | 2,657,800,000Source | 2,117,639,000Source | 1,736,085,000Source |
| Operating Income (Loss)USD | — | — | 196,775,000Source | 153,714,000Source | 237,147,000Source | 184,106,000Source | 207,106,000Source | 171,904,000Source | 739,432,000Source | 584,758,000Source | 422,135,000Source | 383,992,000Source |
| Other Nonoperating Income (Expense)USD | — | — | 0Source | -4,678,000Source | 0Source | -1,019,000Source | — | 0Source | -1,019,000Source | -5,691,000Source | -282,000Source | -1,321,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 110,169,000Source | 55,487,000Source | 140,107,000Source | 101,053,000Source | 112,865,000Source | 91,028,000Source | 401,034,000Source | 271,101,000Source | 227,247,000Source | 272,574,000Source |
| Income Tax Expense (Benefit)USD | — | — | 29,855,000Source | 12,073,000Source | 35,049,000Source | 24,904,000Source | 21,766,000Source | 18,083,000Source | 92,645,000Source | 61,653,000Source | 52,126,000Source | 65,150,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | — | 209,448,000Source | — | — |
| Net Income (Loss) Attributable to ParentUSD | — | — | 80,314,000Source | 43,414,000Source | 105,058,000Source | 76,149,000Source | 91,099,000Source | 72,945,000Source | 308,389,000Source | 209,448,000Source | 175,121,000Source | 207,424,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 3.22Source | 1.64Source | 4.22Source | 3.01Source | 3.66Source | 2.84Source | 12.25Source | 7.78Source | 5.71Source | 6.42Source |
| Earnings Per Share, DilutedUSD per share | — | — | 3.03Source | 1.57Source | 4Source | 2.86Source | 3.46Source | 2.69Source | 11.52Source | 7.43Source | 5.49Source | 6.19Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 24,955,000Source | 26,420,000Source | 24,882,000Source | 25,297,000Source | 24,874,000Source | 25,676,000Source | 25,169,000Source | 26,920,000Source | 30,673,000Source | 32,290,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 26,472,000Source | 27,711,000Source | 26,274,000Source | 26,646,000Source | 26,349,000Source | 27,104,000Source | 26,775,000Source | 28,202,000Source | 31,921,000Source | 33,483,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 7,300,000Source | 8,100,000Source | 8,400,000Source | 8,100,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | — | — | — | — | — | — | — | — | — | 17,700,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 22,144,000Source | -51,070,000Source | 43,570,000Source | 48,160,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | 12,356,000Source | 10,039,000Source | 8,418,000Source | 10,348,000Source | 8,909,000Source | 10,061,000Source | 41,831,000Source | 40,207,000Source | 38,157,000Source | 36,867,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | — | — | 90,000Source | -95,000Source | 440,000Source | 134,000Source | -496,000Source | -452,000Source | 367,000Source | -1,064,000Source | 57,000Source | -645,000Source |
| General and Administrative ExpenseUSD | — | — | 39,661,000Source | 38,916,000Source | 44,080,000Source | 40,508,000Source | 47,778,000Source | 42,464,000Source | 169,722,000Source | 156,524,000Source | 160,265,000Source | 140,464,000Source |
| Gross ProfitUSD | — | — | 460,707,000Source | 400,356,000Source | 568,066,000Source | 441,458,000Source | 528,959,000Source | 426,182,000Source | 1,830,241,000Source | 1,529,449,000Source | 1,229,922,000Source | 1,117,564,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Attributable to ParentUSD | — | — | — | — | — | — | — | — | — | — | — | 207,424,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | — | — | — | — | — | — | — | — | 400,754,000Source | 270,682,000Source | 226,638,000Source | 272,863,000Source |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | — | — | 175,121,000Source | 207,424,000Source |
| Income (Loss) from Continuing Operations, Per Basic ShareUSD per share | — | — | — | — | — | — | — | — | — | — | — | 6.42Source |
| Income (Loss) from Continuing Operations, Per Diluted ShareUSD per share | — | — | — | — | — | — | — | — | — | — | — | 6.19Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | 258,000Source | -16,552,000Source | 338,000Source | 613,000Source | 301,000Source | 120,000Source | 1,559,000Source | -16,460,000Source | 116,000Source | 6,435,000Source |
| Interest ExpenseUSD | — | — | 86,954,000Source | 76,902,000Source | 97,818,000Source | 82,781,000Source | 94,046,000Source | 80,544,000Source | 339,305,000Source | 290,442,000Source | 194,779,000Source | 115,887,000Source |
| Operating ExpensesUSD | — | — | 263,932,000Source | 246,642,000Source | 330,919,000Source | 257,352,000Source | 321,853,000Source | 254,278,000Source | 1,090,809,000Source | 944,691,000Source | 807,787,000Source | 733,572,000Source |
Offerings
Registration 333-292287
Filing attachments
enva-ex4_1.htm · 10-Q · 2026-10-22
Exhibit 4.1 NETCREDIT COMBINED RECEIVABLES B, LLC as Issuer and CITIBANK, N.A. as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary INDENTURE DATED AS OF August 21, 2026 Article I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION Section 1.01 Definitions 2 Section 1.02 Compliance Certificates and…
Read attachment ↗enva-ex4_2.htm · 10-Q · 2026-10-22
Exhibit 4.2 SECOND SUPPLEMENT TO SERIES 2023-1 INDENTURE SUPPLEMENT THIS SECOND SUPPLEMENT TO SERIES 2023-1 INDENTURE SUPPLEMENT dated as of September 16, 2026 (this “Second Supplement”), is entered into between ONDECK ASSET SECURITIZATION IV, LLC, a Delaware limited liability company, as issuer (the “Issuer”) and DEUTSCHE BANK TRUST COMPANY AMERICAS, a New York banking corporation, as trustee (in such capacity, the “Indenture Trustee”). PRELIMINARY STATEMENT WHEREAS, the Issuer and the Inde…
Read attachment ↗enva-ex4_3.htm · 10-Q · 2026-10-22
Exhibit 4.3 ONDECK ASSET SECURITIZATION IV, LLC, as Issuer and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Indenture Trustee SERIES 2026-1 INDENTURE SUPPLEMENT dated as of September 25, 2026 to BASE INDENTURE dated as of July 27, 2023 and amended as of March 20, 2025 and further amended as of November 13, 2025 Up to $500,026,000 of Asset Backed Notes Table of Contents Page PRELIMINARY STATEMENT 1 DESIGNATION …
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-10-22
Exhibit 99.1 Enova Reports Third Quarter 2026 Results • Originations rose 31% and total company revenue increased 26% from the third quarter of 2025. • Diluted earnings per share of $4.06 increased 34% and adjusted earnings per share1 of $4.48 rose 33% compared to the third quarter of 2025. • Credit performance remained strong, with a sequentially stable net revenue margin and the consolidated net charge-off ratio decreasing to 8.1% from 8.5% from the third quarter of 2025. • Sequential sta…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-09-15
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Delinquencies and Net Charge-Offs The following Supplemental Data provides historical information relating to (1) delinquency experience as of the dates indicated for a specific subset of OnDeck’s daily, weekly and monthly pay U.S. term loans and lines of credit (as indicated in the headings below), including both on-balance sheet loans and loans sold to investors, as further described in Item 7.01 of the Current Report on Form 8-K to…
Read attachment ↗enva-ex99_1.htm · 8-K · 2026-09-14
EX-99.1 2 enva-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 Enova Withdraws Bank Regulatory Applications Company Reaffirms 2026 Guidance and Intends to Accelerate Share Repurchases CHICAGO, September 14, 2026/PR Newswire/ - Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced that it has withdrawn its applications with the Office of the Comptroller of the Currency and the Board of Governors of the Federal…
Read attachment ↗