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Enova International Inc. (ENVA)
NYSE:ENVA
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
3.64Last Year’s EPS
2.98Same Quarter Last Year
Strong Buy
Based on 7 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong operational and financial positives: record originations and portfolio growth, robust Q4 revenue and profitability, stable/improving credit metrics, healthy liquidity and a strategic acquisition with material expected synergies. The main cautions were higher near-term marketing and operating expenses, a still-elevated consumer net charge-off level, reliance on macro stability for 2026 guidance, and regulatory/execution risk tied to the Grasshopper acquisition. Overall, the positives - including clear guidance for continued growth and meaningful synergies from the pending acquisition - outweigh the manageable near-term challenges.Company Guidance
Record Annual Performance and EPS Growth
Full year 2025 originations grew 27% driving revenue growth of nearly 20% and adjusted EPS growth of 42% year-over-year, marking the second consecutive year of adjusted EPS growth in excess of 30%.
Very Strong Q4 Originations and Portfolio Expansion
Fourth quarter originations increased 32% year-over-year to $2.3 billion, and combined loan and finance receivable balances grew 23% year-over-year to a record portfolio of $4.9 billion.
Robust Revenue and Profitability in Q4
Total company Q4 revenue rose 15% year-over-year to $839 million (at the top end of guidance); adjusted EPS increased 33% to $3.46 per diluted share and adjusted EBITDA grew 21% to $211 million.
Small Business (SMB) Momentum
SMB originations rose 48% year-over-year to $1.6 billion in Q4; SMB revenue accelerated 34% year-over-year to $383 million. SMB represented 68% of the portfolio at year-end and exhibited very stable credit (Q4 SMB net charge-off ratio 4.6%).
Improving and Stable Credit Metrics
Consolidated net charge-off ratio improved to 8.3% in Q4 (down 60 bps year-over-year); consolidated 30+ day delinquency declined 70 bps to 6.7%; consolidated net revenue margin was 60% in Q4 and fair value premium remained stable at 115%.
Consumer Business Reacceleration
Consumer originations reaccelerated through Q4 (Q4 consumer originations +2% YoY to $613 million) and consumer revenue was a record $446 million (+3% YoY); early default performance allowed the company to lean into growth.
Funding, Liquidity and Cost of Funds Improvements
Ended Q4 with approximately $1.1 billion liquidity (including $422 million cash/marketable securities and $649 million available debt capacity); cost of funds improved to 8.3% in Q4 from 8.6% in Q3, with expectations for further reductions in 2026.
Strategic Acquisition and Expected Synergies
Pending acquisition of Grasshopper Bank (expected close H2 2026) is projected to simplify regulatory structure, expand markets and funding sources, and deliver net synergies of $125 million to $220 million annually within two years post-close, driving adjusted EPS accretion of more than 25% when fully realized.
ENVA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
ENVA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 27, 2026 | $157.70 | $159.26 | +0.99% |
Oct 23, 2025 | $114.03 | $124.70 | +9.36% |
Jul 24, 2025 | $111.74 | $105.82 | -5.30% |
Apr 29, 2025 | $99.55 | $91.79 | -7.80% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Enova International Inc. (ENVA) report earnings?
Enova International Inc. (ENVA) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Enova International Inc. (ENVA) earnings time?
Enova International Inc. (ENVA) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ENVA EPS forecast?
ENVA EPS forecast for the fiscal quarter 2026 (Q1) is 3.64.