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Enova International (ENVA)
NYSE:ENVA
Earnings Data
Report Date
Feb 04, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
3.18Last Year’s EPS
2.61Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call highlights strong financial performance, including significant growth in originations and revenue, stable credit metrics, and operational efficiency. However, there were concerns about a previous consumer credit adjustment and the company's current market valuation.Company Guidance
Strong Loan Growth and Revenue Increase
Third quarter originations increased 22% year-over-year and 9% sequentially to almost $2 billion. Revenue increased 16% year-over-year and 5% sequentially to $803 million.
Small Business Lending Surge
SMB revenue increased 29% year-over-year and 7% sequentially to a record $348 million. Small business originations rose 31% year-over-year to $1.4 billion.
Record Consumer Revenue
Consumer revenue increased 8% year-over-year and 4% sequentially to $443 million.
Operational Efficiency and Profitability
Adjusted EPS increased 37% year-over-year, with a net revenue margin of 57.4%. Marketing expenses were efficient, comprising 18% of revenue, down from 20% in the prior year.
Strong Liquidity Position
Enova ended the quarter with $1.2 billion of liquidity, including $366 million of cash and marketable securities.
Stable Credit Performance
Consolidated net charge-off ratio was 8.5%, reflecting stable credit performance. Small business credit metrics improved year-over-year.
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 |
|---|---|---|---|
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% |
Feb 04, 2025 | $112.94 | $114.74 | +1.59% |
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 Feb 04, 2026, After Close (Confirmed).
What is Enova International (ENVA) earnings time?
Enova International (ENVA) earnings time is at Feb 04, 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 2025 (Q4) is 3.18.