Enova's earnings call highlighted strong revenue and profit growth, successful small business segment performance, and efficient cost management. Despite minor credit fluctuations in one consumer product, the company demonstrated resilience and proactive risk management. The leadership transition was announced with confidence in future growth. Overall, positive sentiment with strong financial performance outweighing minor challenges.

Company Guidance -

Q3 2025

In the second quarter of 2025, Enova International delivered robust financial results characterized by significant growth across key metrics. The company reported a 28% year-over-year increase in originations, reaching $1.8 billion, and a 22% rise in revenue to $764 million. Enova's small business segment demonstrated strong performance, with originations up 35% year-over-year to $1.2 billion and revenue increasing by 30% to a record $326 million. The consumer segment also showed resilience, with a 17% growth in revenue to $428 million. The company's net charge-off ratio improved to 8.1%, down from 8.6% in the previous quarter. Adjusted EPS saw a significant 48% year-over-year increase, reflecting effective marketing and a lower cost of funds. Looking forward, Enova expects third-quarter revenue to be over 15% higher than the same period in 2024 and anticipates full-year revenue growth of around 20%, with adjusted EPS projected to grow by 30%.

Strong Revenue and Profit Growth

In the second quarter, Enova achieved over 20% year-over-year growth in revenue, originations, and adjusted EPS. Revenue increased 22% year-over-year to $764 million, and adjusted EPS grew 48% year-over-year.

Record Origination and Loan Growth

Second quarter originations increased 28% year-over-year to $1.8 billion, and loan and finance receivables reached a record $4.3 billion, with small business products representing 65% and consumer products 35%.

Small Business Segment Success

SMB revenue increased 30% year-over-year to $326 million, with small business originations rising 35% year-over-year to $1.2 billion. The segment's credit performance remains strong and stable.

Leadership Transition Announcement

David Fisher announced his transition to Executive Chairman effective January 1, 2026, with Steve Cunningham succeeding him as CEO. Scott Cornelis will become CFO.

Efficient Marketing and Cost Management

Marketing expense was 19% of total revenue, slightly below expectations. Operating expenses, including marketing, were 32% of revenue, compared to 34% in the second quarter of 2024.

Enova International (ENVA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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ENVA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	3.03 / -	2.45	―	―	―
Jul 24, 2025	2025 (Q2)	2.98 / 3.23	2.21	46.15% (+1.02)
Apr 29, 2025	2025 (Q1)	2.80 / 2.98	1.91	56.02% (+1.07)
Feb 04, 2025	2024 (Q4)	2.27 / 2.61	1.83	42.62% (+0.78)
Oct 22, 2024	2024 (Q3)	2.31 / 2.45	1.5	63.33% (+0.95)
Jul 23, 2024	2024 (Q2)	2.07 / 2.21	1.72	28.49% (+0.49)
Apr 23, 2024	2024 (Q1)	1.72 / 1.91	1.79	6.70% (+0.12)
Jan 30, 2024	2023 (Q4)	1.66 / 1.83	1.76	3.98% (+0.07)	―
Oct 24, 2023	2023 (Q3)	2.00 / 1.50	1.74	-13.79% (-0.24)	―
Jul 25, 2023	2023 (Q2)	1.68 / 1.72	1.64	4.88% (+0.08)	―

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
Jul 24, 2025	$111.74	$105.82	-5.30%
Apr 29, 2025	$99.55	$91.79	-7.80%
Feb 04, 2025	$112.94	$114.74	+1.59%
Oct 22, 2024	$89.87	$88.17	-1.89%

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 Oct 23, 2025, After Close (Confirmed).

What is Enova International Inc. (ENVA) earnings time?

Enova International Inc. (ENVA) earnings time is at Oct 23, 2025, 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 2025 (Q3) is 3.03.

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