AI-extracted from the 10-Q filed 2026-10-22 — Q3 FY2026 (quarter ended September 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Enova's Q3 2026 total revenue rose 25.7% to $1,009.2M, with net income up 33.6% to $107.3M, driven by a 31.7% increase in small business loan revenue.
Biggest Revenue Drivers
Small business loans and finance receivables$458.7M+31.7% YoY
Higher levels of originations have led to higher loan balances for the small business portfolio.
Consumer loans and finance receivables$537.1M+21.1% YoY
Higher levels of originations have led to higher loan balances for the consumer portfolio.
Biggest Revenue Drivers
Total revenue: $1,009.2M+25.7% YoY
Small business loans and finance receivables$458.7M+31.7% YoY
Higher levels of originations have led to higher loan balances for the small business portfolio.
Consumer loans and finance receivables$537.1M+21.1% YoY
Higher levels of originations have led to higher loan balances for the consumer portfolio.
Other$13.3M+21.5% YoY
Largest Expense Items
Operations and technology$80.7M+25.0% YoY
Higher variable costs, particularly collection, personnel, underwriting and computer and software maintenance from increased originations and loan portfolio size.
Margins: Consolidated net revenue margin rose to 60.9% from 57.4%, as revenue growth outpaced operating expense growth as a percentage of revenue. Consumer net revenue margin was 54.0% and small business 68.3% in the quarter.
Watch Items from the Filing
Greater than 30-day delinquency on small business loans rose to 7.8% at September 30, 2026 from 6.2% a year earlier, though within the observed range.
Grasshopper merger was mutually terminated October 16, 2026; company paid a $4.0M cash fee and withdrew regulatory applications, leaving its bank-charter pathway uncertain.
Total long-term debt rose to $5,376.9M from $4,106.5M a year earlier, with average debt outstanding up 29.14% year over year.
Consolidated 90-day-plus past due fair value of loans was $76.4M versus $36.7M a year earlier, with the company stating its credit metrics remain in the normal range.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Carnahan EllenReporting ownerGrant or award · May 13, 2026
Congress trading in ENVA
1 transaction in ENVA reported by 1 member of Congress under the STOCK Act, most recent trade Dec 29, 2021. Reported transactions, not recommendations.
About Enova International, Inc. (ENVA): stock profile, AI score and financials
Enova International, Inc. (ENVA) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores ENVA at 69.5/100 on a composite quality score built from its SEC filings, placing it at rank #253 of 2,925 stocks — the top 10% of the AI-ranked universe. ENVA scores in the top quartile across earnings quality (97.0), free cash flow (96.2), revenue growth (81.1). Areas of concern include institutional flow (17.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q3 2026), Enova International, Inc. reports quarterly revenue of $1.0B, net income of $107.3M, an operating margin of 24.5%. Top institutional holders of ENVA by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. ENVA trades on the NYSE exchange and files with the SEC under CIK 1529864. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ENVA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Enova International, Inc. directly from SEC EDGAR.