Enova International, Inc. (NYSE: ENVA) reported its financial results for the three months ended September 30, 2026, in a filing released on October 22, 2026. The company announced that total revenue for the third quarter of 2026 reached $1.01 billion, a 26% increase compared to the same period in 2025. This marked the first time the company has reported revenue exceeding $1 billion in a single quarter.
Key financial metrics for the quarter included a net revenue margin of 61%, up from 57% in the prior year period. Net income was reported at $107 million, or $4.06 per diluted share, representing a 34% increase from the $80 million, or $3.03 per diluted share, earned in the third quarter of 2025. Adjusted earnings per share (a non-GAAP measure) were $4.48, a 33% increase year-over-year.
Enova also highlighted growth in its loan portfolio, with total company combined loans and finance receivables increasing 30% from the end of the third quarter of 2025 to a record $5.9 billion. Originations for the quarter totaled $2.6 billion, a 31% increase from the third quarter of 2025. The company noted that credit performance remained strong, with the consolidated net charge-off ratio decreasing to 8.1% from 8.5% in the prior year period.
In terms of liquidity, Enova reported cash and marketable securities of $105,957,000 and restricted cash of $390,443,000 as of September 30, 2026. The company also repurchased $46 million of common stock during the quarter and began the fourth quarter with $252 million of available share repurchase capacity. Additionally, the company announced a conference call to discuss the results will be held at 4 p.m. Central Time on October 22, 2026.
