ENVA
Enova International·NYSE
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ENVA fundamentals
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.
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Revenue
Revenue & Expenses
ENVA has released its 2025 Q3 earnings report, with revenue of 802.68M, reflecting a YoY change of 16.34%, and net profit of 80.31M, showing a YoY change of 85.00%. 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.
Enova International (ENVA)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Enova International (ENVA)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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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.
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Where does Enova International (ENVA) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Enova International (ENVA) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
You can ask Aime
What were the key takeaways from Enova International's earnings call?What is Enova International's latest dividend and current dividend yield?What is the revenue and EPS growth rate for Enova International year over year?What is Enova International's gross profit margin?What guidance did Enova International's management provide for the next earnings period?What is the market's earnings forecast for Enova International next quarter?What factors drove the changes in Enova International's revenue and profit?Did Enova International beat or miss consensus estimates last quarter?
