ENVA
Enova International·NYSE
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ENVA fundamentals
Enova International (ENVA) released its earnings on Oct 23, 2025: revenue was 803.00M (YoY +16.38%), missed estimates; EPS was 3.36 (YoY +37.14%), beat estimates.
Revenue / YoY
803.00M
+16.38%
EPS / YoY
3.36
+37.14%
Report date
Oct 23, 2025
ENVA Earnings Call Summary for Q3,2025
- Revenue Surge: Q3 originations up 22% YoY to $2 billion, with SMB originations jumping 31% YoY to $1.4 billion.
- Profitability Boost: Adjusted EPS rose 37% YoY to $3.36, driven by efficient marketing (18% of revenue) and operating leverage.
- Credit Resilience: Consolidated net charge-off ratio stable at 8.5%, with SMB credit metrics improving and consumer credit metrics rebounding post-Q2 adjustments.
- Growth Catalysts: Q4 consumer originations expected to accelerate, with SMB growth sustained by strong demand and credit performance.
- Valuation Disparity: Management emphasizes frustration with stock trading at historical PE multiples despite improved diversification and risk management.
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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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You can ask Aime
Did Enova International beat or miss consensus estimates last quarter?What were the key takeaways from Enova International's earnings call?What were the key takeaways from Enova International’s earnings call?What factors drove the changes in Enova International's revenue and profit?What is Enova International's gross profit margin?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 does Enova International do and what are its main business segments?
