Symbols

ENVA

Enova International·NYSE

--(--)

ENVA fundamentals

ENVA Q4 2025 Earnings

Enova International (ENVA) released its earnings on Jan 27, 2026: revenue was 839.39M (YoY +15.06%), beat estimates; EPS was 3.46 (YoY +32.57%), beat estimates.

Revenue / YoY

839.39M

+15.06%

EPS / YoY

3.46

+32.57%

Report date

Jan 27, 2026

ENVA Earnings Call Summary for Q4,2025

Record Q4 Growth: Originations up 32% YoY, revenue $839M (+15%), adjusted EPS $3.46 (+33%).
SMB Dominance: SMB originations +48% YoY, consumer originations +2%, with stable credit (8.3% net charge-off ratio).
Grasshopper Synergies: $125-220M annual savings by 2028, enabling expansion into 15+ new states.
2026 Outlook: 15% originations growth, 20%+ EPS growth, and $1.1B+ liquidity for M&A.
Tax Season Boost: Consumer demand expected to remain strong, with tax refunds supporting credit performance.

Earnings

EPS

Revenue

Revenue & Expenses

ENVA has released its 2025 Q4 earnings report, with revenue of 839.39M, reflecting a YoY change of 15.06%, and net profit of 78.98M, showing a YoY change of 24.00%. The Sankey diagram below clearly presents ENVA's revenue sources and cost distribution.

Key Indicators

Enova International (ENVA) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Enova International (ENVA)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

Trend

Breakdown

Balance Sheet

Enova International (ENVA)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

Trend

Breakdown

Cash Flow

Enova International (ENVA)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

Trend

Breakdown