Enova International, Inc.
ENVA
Jodie read · what matters now
Revenue increased 17.4% versus the comparable filing period.
The story is only the start. Jodie keeps watching the filing evidence, the companies connected to ENVA, and whether its market group begins moving.
Latest filing assessment · baseline
Fundamentals strengthened in the latest filing
10-Q filed 2026-04-23 against the comparable filing from 2025-04-29.
What improved
- Revenue increased 17.4% versus the comparable filing period.
- Operating margin improved 0.6 percentage points.
- Net income increased 24.9% versus the comparable filing period.
What weakened
- Operating cash flow was 5.21x net income; review non-cash and one-time items before treating this as recurring conversion.
Filing receipts
“The increase was due primarily to an increase in income from operations due to higher net revenue which outpaced increases in operating expenses as a percentage of revenue, partially offset by higher interest expense, which was the result of an increase in the average amount of debt outstanding.”
“The increase was driven primarily by additional interest and fee income from growth in the loan portfolio, partially offset by higher marketing expenses, variable operations and technology expenses and interest expense on higher outstanding debt balances to fund growth in the loan portfolio.”
“The lower effective tax rate is primarily due to higher excess tax benefits on stock compensation due to stock price appreciation and interest income on a federal income tax refund in the current quarter, partially offset by increased interest expense on unrecognized tax benefits.”
Retrospective baseline calibration. It was generated after the filing date and is not part of Jodie's live track record.
Who this business touches
The relationships behind ENVA
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
Filing peers
Companies whose filings use similar operating language.
You can see the shape of the network here. Pro opens 3 more links, the original filing receipts, and alerts when connected names begin moving. See Pro →
What is moving around it
Live connections
ENVA is currently a Participant in the organic co-movement group Diversified Financial Services. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 3 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.
Theme membership history
No durable theme membership has been observed for this name yet.