The earnings call reflected a strong overall performance with significant growth in revenue and origination volumes, particularly in the small business segment. Despite some challenges in the consumer segment with slightly elevated defaults in one product, these were quickly addressed. The leadership transition was presented positively, highlighting confidence in future growth.

Company Guidance -

Q3 2025

During Enova International's Second Quarter 2025 Earnings Conference Call, the company reported robust financial performance, continuing a trend of strong growth and stability. Key metrics highlighted include a 28% increase in originations year-over-year to $1.8 billion, contributing to a 20% rise in combined loan and finance receivables to a record $4.3 billion. Revenue grew by 22% year-over-year to $764 million, with SMB revenue reaching $326 million, up 30%, and consumer revenue hitting $428 million, a 17% increase. Notably, adjusted EPS surged 48% year-over-year, underpinned by efficient marketing and lower funding costs, while maintaining a consolidated net charge-off ratio of 8.1%, indicating solid credit quality. Looking ahead, Enova anticipates over 15% revenue growth in Q3 2025 compared to the previous year, with full-year revenue expected to grow around 20% and adjusted EPS growth projected at approximately 30%. The company's strategic focus on balanced growth, robust risk management, and market adaptability continues to drive shareholder value and operational excellence.

Strong Revenue and Profit Growth

For the fifth consecutive quarter, Enova generated more than 20% year-over-year growth in revenue, originations, and adjusted EPS. Revenue increased 22% year-over-year to $764 million.

Record Origination Growth

Second quarter originations increased 28% year-over-year to $1.8 billion, with small business originations reaching a record $1.2 billion.

Leadership Transition

CEO David Fisher announced a transition to Executive Chairman, with CFO Steve Cunningham set to take over as CEO in January 2026. Scott Cornelis will become CFO.

Strong Performance in Small Business Segment

Small business revenue increased 30% year-over-year to a record $326 million, driven by solid demand and low competition.

Efficient Marketing and Lower Cost of Funds

Adjusted EPS increased 48% year-over-year due to efficient marketing and a lower cost of funds. Marketing expenses were 19% of total revenue.

Stable Credit Quality

Consolidated net charge-off ratio declined to 8.1% from 8.6% last quarter, indicating solid credit quality across the portfolio.

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

Daily Earnings Calendar >

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 (ENVA) report earnings?

Enova International (ENVA) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Enova International (ENVA) earnings time?

Enova International (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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