Every 10-Q that Enova Intl Inc (ENVA) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ENVA and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ENVA filings page.
Enova International, Inc., a digital lender to non-prime consumers and small businesses, reported strong results for the quarter ended June 30, 2026. Revenue rose to $928.9 million from $764.0 million a year earlier, with net revenue increasing to $568.1 million from $441.5 million. Net income grew to $105.1 million from $76.1 million, and diluted EPS was $4.00 versus $2.86. For the first six months of 2026, revenue reached $1.80 billion and net income $196.2 million.
Loans and finance receivables at fair value expanded to $6.17 billion as of June 30, 2026, up from $5.47 billion at year-end 2025, driving total assets to $7.22 billion. Long-term debt increased to $5.01 billion with a six-month weighted average interest rate of 8.14%, while total stockholders’ equity rose to $1.50 billion. Operating cash flow was strong at $1.02 billion for the first half, supporting significant loan originations and securitization funding.
The company continues to finance growth through multiple securitization facilities and a revolving credit line, many of which were recently upsized or extended. Key risks highlighted include extensive consumer-credit regulation and oversight, credit performance of its loan portfolio, funding market conditions, cyber risk, and execution and regulatory risks tied to a pending acquisition of Grasshopper Bancorp, Inc. and Grasshopper Bank. Enova also resolved a Virginia legal matter via a Consent Decree, with associated payments and loan forgiveness previously recognized in prior periods.
Enova International reported strong first-quarter results, with total revenue rising to $875.1 million from $745.5 million and net revenue reaching $528.9 million. Income from operations increased to $207.1 million, while net income grew to $91.1 million, or diluted earnings per share of $3.46, up from $2.69.
Growth was driven by higher loans and finance receivables revenue across consumer and small business portfolios, which together generated $863.3 million. The company expanded its securitization facilities and maintained consolidated assets of $6.88 billion and stockholders’ equity of $1.40 billion as of March 31, 2026.
Enova International (ENVA) reported third‑quarter 2025 results. Revenue was $802,678 thousand, up from $689,924 thousand a year ago, and net revenue was $460,707 thousand. Income from operations reached $196,775 thousand. Net income was $80,314 thousand, with diluted EPS of $3.03.
Loans and finance receivables at fair value were $5,012,853 thousand at September 30, 2025, reflecting growth in both consumer and small business portfolios. Long‑term debt totaled $4,106,471 thousand, including funding and corporate borrowings.
The company enhanced liquidity and term funding: it amended its revolving credit facility to $825,000 thousand, extended maturity to August 2029, and reduced rate spreads. It also executed asset‑backed transactions, including the NCLOCR 2025 securitization facility with a $150,000 thousand total revolving commitment, the 2025‑A consumer notes of $163,900 thousand at 7.29% (legal final October 2031), and ODAS IV 2025‑1 small business notes of $261,400 thousand (legal final April 2032). Common shares outstanding were 24,801,579 as of October 22, 2025.