SuperworthEnova International free cash flow ENVA
Cash from operations less capital spending, by quarter and over the last twelve months, from 2013.
- Last 12 months, to Sep 30, 2026
- $2B
- Latest quarter, Q3 FY26
- $524M
- +11% on a year earlier
- Fiscal year 2025
- $1.8B
- +19% on the year before
Enova International's free cash flow was $2B over the twelve months to Sep 30, 2026, up 18% on a year earlier.
In its latest quarter, Q3 FY26, it was $524M, up 11% on the same quarter a year before.
Over the five fiscal years to FY2025 it grew 20% a year on average.
Free cash flow over time
Fiscal year by fiscal year
| Fiscal year | Free cash flow | Change |
|---|---|---|
| FY2025 | $1.8B | +19% |
| FY2024 | $1.5B | +33% |
| FY2023 | $1.1B | +32% |
| FY2022 | $850.4M | +92% |
| FY2021 | $442.2M | −38% |
| FY2020 | $711.4M | −14% |
| FY2019 | $828.6M | +24% |
| FY2018 | $668.8M | +55% |
| FY2017 | $430.6M | +14% |
| FY2016 | $379M | +51% |
| FY2015 | $251.7M | −40% |
| FY2014 | $416.7M | n/a |
| FY2013 | n/a | n/a |
Each fiscal year is the twelve months to its fourth quarter.
Quarter by quarter
| Quarter | Ended | Free cash flow | On a year earlier | Last 12 months |
|---|---|---|---|---|
| Q3 FY26 | $524M | +11% | $2B | |
| Q2 FY26 | $531.4M | +22% | $2B | |
| Q1 FY26 | $463.8M | +23% | $1.9B | |
| Q4 FY25 | $487.1M | +16% | $1.8B | |
| Q3 FY25 | $470.5M | +21% | $1.7B | |
| Q2 FY25 | $436.1M | +25% | $1.6B | |
| Q1 FY25 | $378.3M | +12% | $1.5B | |
| Q4 FY24 | $420.3M | +39% | $1.5B | |
| Q3 FY24 | $387.6M | +50% | $1.4B | |
| Q2 FY24 | $349.9M | +21% | $1.2B | |
| Q1 FY24 | $337.3M | +24% | $1.2B | |
| Q4 FY23 | $302.5M | +17% | $1.1B |
Against its peers
Companies in Financial - Credit Services nearest Enova International's size, closest first, today.
| Company | Free cash flow yield |
|---|---|
| ENVAEnova International | n/m |
| PAYPaymentus | 3.8% |
| BFHBread Financial | n/m |
| NNINelnet | 8.3% |
| SEZLSezzle | 7.4% |
| DAVEDave | 7.2% |
| SLMSLM | n/m |
| TNETTrinet | 8.3% |
| MMSMaximus | 13.1% |
| FIGRFigure Technology Solutions | n/m |
| RELYRemitly Global | 6.8% |
| Peer median | 7.4% |
What the free cash flow tells you
Cash from operations minus capital spending. The cash the company could hand back or reinvest.
Seasonal and lumpy quarter to quarter. The TTM view is the one to trust.
More on Enova International
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.