Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers ...
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Est. EPS $4.49 · Revenue $1.00B · 3 analysts
Est. EPS $4.67 · Revenue $1.06B · 3 analysts
Est. EPS $17.34 · Revenue $3.87B · 3 analysts
Est. EPS $5.07 · Revenue $1.10B · 1 analysts
EPS $2.69 · Revenue $745.54M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $3.2B | +18.6% | -43.6% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $308.4M | +47.2% | +15.3% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +50.1% | +7.5% | -0.8% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +23.5% | +6.6% | +100.4% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +9.8% | +24.2% | +104.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $1.8B | +18.5% | +14.6% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +56.2% | -0.1% | +103.1% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 341.3% | +13.6% | -2.9% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.23x | -97.6% | +7798.5% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $6.5B | +22.8% | +5.0% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 11.58 vs 12.80 | -9.5% | 3.99 vs 4.49 | -11.1% |
| Revenue Surprise | $3.2B vs $3.2B | +0.0% | $493.7M vs $1.0B | -50.9% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 26, 2026 | Fisher David | director, officer: Executive Chairman | Common stock, par value $0.00001 per share | A | 9,078 | $20.73 |
| Aug 26, 2026 | Fisher David | director, officer: Executive Chairman | Common stock, par value $0.00001 per share | D | 9,078 | $239.16 |
| Aug 26, 2026 | Fisher David | director, officer: Executive Chairman | Non-Qualified Stock Option (right to buy) with limited SAR | D | 9,078 | $20.73 |
| Aug 25, 2026 | Fisher David | director, officer: Executive Chairman | Common stock, par value $0.00001 per share | A | 9,491 | $20.73 |
| Aug 25, 2026 | Fisher David | director, officer: Executive Chairman | Common stock, par value $0.00001 per share | D | 9,491 | $244.01 |
Operator : Good afternoon, and welcome to the Enova International Second Quarter 2026 Earnings Conference Call. Please note this event is being recorded. I would now like to turn the conference over to Lindsay Savarese, Investor Relations, Enova. Please go ahead. Lindsay Savarese : Thank you, operator, and good afternoon, everyone. Enova released results for the second quarter 2026 ended June 30, 2026, this afternoon after market close. If you did not receive a copy of our earnings press release, you may obtain it from the Investor Relations section of our website at ir.enova.com. With me on today's call are Steve Cunningham, Chief Executive Officer; and Scott Cornelis, Chief Financial Officer. This call is being webcast and will be archived on our Investor Relations section of our website. Before I turn the call over to Steve, I'd like to note that today's discussion will contain forward-looking statements and as such, is subject to risks and uncertainties. Actual results may differ materially as a result from various important risk factors, including those discussed in our earnings press release and in our annual report on Form 10-K, quarterly reports on Form 10-Q and current reports on Forms 8-K. Please note that any forward-looking statements that are made on this call are based on assumptions as of today, and we undertake no obligation to update these statements as a result of new information or future events. In addition to U.S. GAAP reporting, Enova reports certain financial measures that do not conform to generally accepted accounting principles. We believe these non-GAAP measures enhance the understanding of our performance. Reconciliations between these GAAP and non-GAAP measures are included in the tables found in today's press release. As noted in our earnings release, we have posted supplemental financial information on the IR portion of our website. And with that, I'd like to turn the call over to Steve. Steven Cunningham : Thank you, Lindsay, and good afternoon, everyone. I appreciate you joining our call today. In the second quarter, healthy originations growth in credit supported by a stable macro environment drove top and bottom line financial results that exceeded our expectations. Our second quarter results and our long track record of consistent and differentiated financial performance reflect the strength and resiliency of our business that is powered by our talented team, diversified product offerings, scalable operating model and world-class risk management capabilities. Second quarter originations were strong across both consumer and small business, driving consolidated originations 27% higher year-over-year to nearly $2.3 billion and marked the 11th consecutive quarter of consolidated year-over-year originations growth of 20% or more. Originations growth drove 28% year-over-year growth in the portfolio to $5.5 billion, with small business products representing 69% of the portfolio and consumer products accounting …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
David A. Fisher | Executive Chairman | USD 3,612,373 | Male | 1969 | Active |
Steven E. Cunningham | CEO & Director | USD 1,709,629 | Male | 1970 | Active |
Kirk L. F. Chartier | Chief Strategy Officer | USD 1,190,872 | Male | 1964 | Active |
Sean Rahilly | General Counsel, Secretary & Chief Compliance Officer | USD 1,103,532 | Male | 1973 | Active |
Joseph DeCosmo | Chief Technology Officer & Chief Analytics Officer | USD 561,329 | Male | 1966 | Active |
Erin Yeager | Head of Communications | — | — | — | Active |
Nick Drew | Managing Director | — | Male | — | Active |
Claudine Kourkoumelis | Chief People Officer | — | Female | — | Active |
Scott Cornelis | CFO & Treasurer | — | Male | 1979 | Active |
Kelly Jordan | Chief Marketing Officer | — | Female | — | Active |
James Joseph Lee | Chief Accounting Officer & Controller | — | Male | 1979 | Active |
Through brands like CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic and Pangea, Enova lends to consumers and small businesses that traditional banks often turn away. That's been the source of its strength, and more recently, some unwanted attention.
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