Enova International (ENVA) Operating Income (2013 - 2026)
Enova International's Operating Income came in at $247.21 million for Q3 2026, up 25.6% from $196.78 million a year earlier and up 4.2% from the prior quarter.
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Analysis
Enova International (ENVA) Operating Income (2013 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Enova International reported Operating Income of $878.11 million, up 24.0% year-over-year; for FY2025, it came in at $739.43 million, up 26.5% from FY2024.
- Operating Income has increased in each of the last three years, with a five-year compound annual growth rate of 15.6% (FY2020 to FY2025).
- Going back by year, Operating Income was $584.76 million in FY2024 (+38.5%), $422.14 million in FY2023 (+9.9%), $383.99 million in FY2022 (-7.0%) and $413.06 million in FY2021 (+15.4%).
- The Q3 2026 figure represents the highest quarterly Operating Income in data going back to Q3 2013.
- Year-over-year, Operating Income has increased for 11 consecutive quarters, with growth averaging 30.1% over the last eight quarters.
- The fastest year-over-year change in Operating Income over five years came in Q4 2024 (growth of 59.1%), and the weakest in Q4 2021 (a decline of 32.8%).
- Business Quant data shows ENVA's Operating Income at $237.15 million (Q2 2026), $207.11 million (Q1 2026) and $186.65 million (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Op. Inc (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.80 Bn | 30.61 Bn | - | - |
| 2 | Orix | 40.47 Bn | 9.19 Bn | 12.74 Bn | 840.19 Mn |
| 3 | Royalty Pharma | 30.29 Bn | 27.25 Bn | - | 133.12 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 24.17 Bn | 24.17 Bn | - | - |
| 5 | Synchrony Financial | 23.73 Bn | -43.90 Bn | - | - |
| 6 | Affirm Holdings | 23.45 Bn | 17.14 Bn | - | 147.26 Mn |
| 7 | Royal Gold | 21.86 Bn | 21.04 Bn | 390.45 Mn | 279.94 Mn |
| 8 | Annaly Capital Management | 14.30 Bn | 5.25 Bn | - | - |
| 9 | Ares Capital | 13.80 Bn | 11.55 Bn | - | - |
| 10 | Enova International | 4.39 Bn | 4.00 Bn | 614.36 Mn | 247.21 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 247.21 Mn |
| Jun 30, 2026 | 237.15 Mn |
| Mar 31, 2026 | 207.11 Mn |
| Dec 31, 2025 | 186.65 Mn |
| Sep 30, 2025 | 196.78 Mn |
| Jun 30, 2025 | 184.11 Mn |
| Mar 31, 2025 | 171.90 Mn |
| Dec 31, 2024 | 155.20 Mn |
| Sep 30, 2024 | 153.71 Mn |
| Jun 30, 2024 | 145.06 Mn |
| Mar 31, 2024 | 130.79 Mn |
| Dec 31, 2023 | 97.54 Mn |
| Sep 30, 2023 | 103.73 Mn |
| Jun 30, 2023 | 111.60 Mn |
| Mar 31, 2023 | 109.27 Mn |
| Dec 31, 2022 | 105.25 Mn |
| Sep 30, 2022 | 98.51 Mn |
| Jun 30, 2022 | 89.49 Mn |
| Mar 31, 2022 | 90.75 Mn |
| Dec 31, 2021 | 80.68 Mn |
API Access
Enova International Operating Income API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-income&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-income", "ticker": "ENVA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-income&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();