Enova International (NYSE:ENVA) Issues Quarterly Earnings Results, Beats Expectations By $0.29 EPS

Enova International (NYSE:ENVA) issued its quarterly earnings data on Tuesday. The credit services provider reported $3.46 earnings per share for the quarter, beating analysts’ consensus estimates of $3.17 by $0.29, FiscalAI reports. The business had revenue of $1.34 billion during the quarter, compared to analysts’ expectations of $838.59 million. Enova International had a return on equity of 24.50% and a net margin of 9.64%.The company’s revenue was up 15.0% on a year-over-year basis. During the same period in the previous year, the firm posted $2.61 earnings per share.

Here are the key takeaways from Enova International’s conference call:

• Enova reported record growth in 2025 with fourth-quarter originations up 32% YoY to $2.3B and year-end receivables of $4.9B, driving Adjusted EPS +42% for the year.
• Credit trends remain strong — consolidated net charge-offs fell to 8.3% in Q4, consumer NCO improved to 16%, and SMB NCO stayed low at 4.6%, supporting margin expansion.
• Management expects to close the pending Grasshopper Bank acquisition in H2 2026 after filing regulatory applications, forecasting $125M–$220M of annual net synergies and >25% EPS accretion once realized, though timing/approval risk remains.
• 2026 guidance assumes continued momentum with ~15% originations growth for the year and at least 20% adjusted EPS growth (excludes any Grasshopper contribution), plus Q1 EPS expected +20%–25% YoY.
• Enova significantly increased marketing in Q4 to 23% of revenue (driving record originations), lifting total operating expenses to 36% of revenue; management says marketing should normalize to upper‑teens as demand reverts.

Enova International Trading Down 0.6%

ENVA opened at $157.65 on Wednesday. The company has a quick ratio of 19.29, a current ratio of 19.29 and a debt-to-equity ratio of 3.20. Enova International has a 52 week low of $79.41 and a 52 week high of $168.68. The business’s 50 day moving average is $151.05 and its two-hundred day moving average is $127.88. The firm has a market cap of $4.43 billion, a price-to-earnings ratio of 14.49 and a beta of 1.27.

Insiders Place Their Bets

In other Enova International news, CEO David Fisher sold 15,000 shares of the firm’s stock in a transaction on Tuesday, December 16th. The shares were sold at an average price of $160.24, for a total transaction of $2,403,600.00. Following the transaction, the chief executive officer directly owned 348,223 shares of the company’s stock, valued at approximately $55,799,253.52. This trade represents a 4.13% decrease in their position. The sale was disclosed in a document filed with the SEC, which is available at the SEC website. 8.40% of the stock is currently owned by corporate insiders.

Institutional Trading of Enova International

Hedge funds have recently added to or reduced their stakes in the stock. Danske Bank A S acquired a new stake in shares of Enova International in the 3rd quarter worth $991,000. Horizon Investments LLC increased its holdings in Enova International by 5.9% during the 3rd quarter. Horizon Investments LLC now owns 14,054 shares of the credit services provider’s stock valued at $1,617,000 after acquiring an additional 789 shares in the last quarter. California State Teachers Retirement System increased its stake in shares of Enova International by 0.4% during the 2nd quarter. California State Teachers Retirement System now owns 24,268 shares of the credit services provider’s stock worth $2,706,000 after purchasing an additional 105 shares in the last quarter. Finally, EverSource Wealth Advisors LLC increased its position in Enova International by 350.0% during the second quarter. EverSource Wealth Advisors LLC now owns 450 shares of the credit services provider’s stock worth $50,000 after buying an additional 350 shares in the last quarter. 89.43% of the stock is owned by institutional investors and hedge funds.

Enova International declared that its board has initiated a share repurchase program on Wednesday, November 12th that permits the company to buyback $400.00 million in outstanding shares. This buyback authorization permits the credit services provider to buy up to 12.5% of its stock through open market purchases. Stock buyback programs are often a sign that the company’s leadership believes its stock is undervalued.

Key Enova International News

Here are the key news stories impacting Enova International this week:

• Positive Sentiment: Q4 adjusted EPS beat consensus — adjusted EPS of $3.46 topped estimates (~$3.20), driven by improved margins and higher originations; this earnings beat is a clear near‑term positive for ENVA. Enova International (ENVA) Q4 Earnings Surpass Estimates
• Positive Sentiment: Top-line and originations strength — total revenue was reported at $1.34B (up 15% YoY) and originations rose ~32%; credit performance remained stable (net charge-off ~8.3%, 30+ delinquencies improved) and liquidity was ~$1.1B. Management also repurchased $35M of shares in the quarter. These operational metrics support earnings durability. Enova Reports Fourth Quarter and Full Year 2025 Results
• Positive Sentiment: Bullish 2026 outlook — Enova expects ~15% origination growth and at least 20% EPS growth in 2026 and signaled progress on the Grasshopper acquisition, which could expand product mix and scale. That guidance provides a catalyst for upside if execution continues. Enova expects 15% origination growth and at least 20% EPS growth in 2026 as Grasshopper acquisition advances
• Neutral Sentiment: Management commentary detail — the earnings call/transcript provides more context on acquisition timing, credit outlook and capital allocation (buybacks vs. M&A); investors should review the transcript for color on margin sustainability and credit assumptions. Enova International, Inc. (ENVA) Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Snapshot coverage and previews — outlets published earnings snapshots and previews that help contextualize the results versus expectations; these are useful for short‑term traders assessing momentum. Enova International: Q4 Earnings Snapshot
• Negative Sentiment: Conflicting sales coverage — at least one report characterized Q4 sales as below analyst estimates, creating headline noise and contributing to intraday weakness despite the company’s reported revenue beat; the discrepancy may reflect differing definitions or earlier estimates and is fueling short‑term volatility. Enova (NYSE:ENVA) reports sales below analyst estimates in Q4 CY2025 earnings

Analysts Set New Price Targets

A number of equities research analysts have issued reports on ENVA shares. JMP Securities increased their target price on shares of Enova International from $135.00 to $149.00 and gave the stock a “market outperform” rating in a report on Friday, October 24th. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Enova International in a research report on Thursday, January 22nd. TD Cowen restated a “buy” rating on shares of Enova International in a research note on Thursday, January 8th. Citizens Jmp lifted their price target on shares of Enova International from $149.00 to $180.00 and gave the stock a “market outperform” rating in a research note on Friday, December 12th. Finally, BTIG Research boosted their price target on shares of Enova International from $144.00 to $199.00 and gave the stock a “buy” rating in a report on Friday, December 12th. Eight analysts have rated the stock with a Buy rating and one has issued a Hold rating to the stock. According to data from MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and a consensus target price of $163.67.

Enova International Company Profile

Enova International, Inc (NYSE: ENVA) is a Chicago-based financial services company specializing in online lending solutions. Since its founding in 2004, Enova has leveraged proprietary data analytics and technology platforms to underwrite and deliver short-term consumer loans, lines of credit and installment loans. Through its flagship consumer brand NetCredit, Enova provides flexible credit options designed to serve a wide range of borrowers, including those with limited or non-traditional credit histories.

In addition to its U.S.