Enova International Inc (ENVA)

Enova To Present at the Needham Technology, Media, & Consumer ConferenceApril 30, 2026 4:16 PM
PR Newswire (US)

CHICAGO, April 30, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced that Steve Cunningham, Chief Executive Officer, and Scott Cornelis, Chief Financial Officer, will present virtually via a fireside chat format at the Needham Technology, Media, & Consumer Conference on Thursday, May 14, 2026 at 1:30 p.m. Eastern Time / 12:30 p.m. Central Time.







A live audio webcast and archive of Enova's fireside chat will be available on the company's website at http://ir.enova.com.About EnovaEnova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided approximately $70 billion in loans and financing to nearly 15 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of business at www.enova.com.



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Original: Enova To Present at the Needham Technology, Media, & Consumer Conference

Enova Reports First Quarter 2026 ResultsApril 23, 2026 4:16 PM
PR Newswire (US)

Originations rose 33% and total company revenue increased 17% from the first quarter of 2025Diluted earnings per share of $3.46 increased 29% and adjusted earnings per share1 of $3.87 rose 30% compared to the first quarter of 2025Credit performance remained strong with a lower net charge-off ratio compared to a year ago of 7.6% and a net revenue margin of 60%Year-over-year stability in the consolidated 30+ day delinquency ratio and fair value premium reflect a stable credit outlookLiquidity, including cash and marketable securities and available capacity on facilities, totaled $1.1 billion at March 31CHICAGO, April 23, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced financial results for the first quarter ended March 31, 2026. 







"Our first quarter results marked a great start to the year," said Steve Cunningham, Enova's CEO. "Strong originations growth and credit across our portfolio highlight the power of our balanced growth strategy, our experienced team's ability to drive differentiated and consistent performance and the resiliency of our consumer and small business customers. We continue to expect a second half of 2026 closing of our acquisition of Grasshopper Bank as we remain engaged with regulators on the typical application review process. In addition, we are highly encouraged by the readiness we are building across the companies through integration planning to ensure we hit the ground running on day one to deliver on the significant synergies from geographic expansion of our existing products and lower funding costs from Grasshopper's deposit businesses.  We remain well positioned to deliver sustainable and profitable growth this year and beyond."First Quarter 2026 SummaryTotal revenue of $875 million increased 17% from $746 million in the first quarter of 2025.Net revenue margin of 60% compared to 57% in the first quarter of 2025, reflecting continued solid credit performance.Net income of $91 million, or $3.46 per diluted share, increased 25% from $73 million, or $2.69 per diluted share, in the first quarter of 2025.Adjusted EBITDA1 of $227 million increased 20% from $190 million in the first quarter of 2025.Adjusted earnings per share1 of $3.87 increased 30% from $2.98 per diluted share in the first quarter of 2025.Total company combined loans and finance receivables1 increased 28% from the end of the first quarter of 2025 to a record $5.3 billion with total company originations of $2.3 billion in the quarter.Repurchased $16 million of common stock under the company's share repurchase program."We are pleased to deliver another quarter of strong top- and bottom-line results," said Scott Cornelis, CFO of Enova. "We remain confident in our ability to drive meaningful and consistent financial results, backed by our balanced growth strategy and unit economics discipline. Our diversified products, flexible online-only model, experienced team, world-class risk management capabilities and strong balance sheet position us well to continue to generate profitable growth and deliver on our commitment to driving long-term shareholder value."________________1 Non-GAAP measure. Refer to "Non-GAAP Financial Measures," "Loans and Finance Receivables Financial and Operating Data," and "Reconciliation of GAAP to Non-GAAP Financial Measures" below for additional information.Conference CallEnova will host a conference call to discuss its first quarter 2026 results at 4 p.m. Central Time / 5 p.m. Eastern Time today, April 23rd. The live webcast of the call can be accessed at the Enova Investor Relations website at http://ir.enova.com, along with the company's earnings press release and supplemental financial information. The U.S. dial-in for the call is 1-855-560-2575 (1-412-542-4161 for non-U.S. callers). Please ask to join the Enova International call. A replay of the conference call will be available until April 30, 2026, at 10:59 p.m. Central Time / 11:59 p.m. Eastern Time, while an archived version of the webcast will be available on the Enova International Investor Relations website for 90 days. The U.S. dial-in for the conference call replay is 1-855-669-9658 (1-412-317-0088). The replay access code is 3473857.About EnovaEnova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. Over its 20-year history, Enova has provided approximately $70 billion in loans and financing to nearly 15 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.Cautionary Statement Concerning Forward Looking StatementsThis release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 about the business, financial condition and prospects of Enova. These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of Enova's senior management with respect to the business, financial condition and prospects of Enova as of the date of this release and are not guarantees of future performance. The actual results of Enova could differ materially from those indicated by such forward-looking statements because of various risks and uncertainties applicable to Enova's business, including, without limitation, those risks and uncertainties indicated in Enova's filings with the Securities and Exchange Commission ("SEC"), including our annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K. These risks and uncertainties are beyond the ability of Enova to control, and, in many cases, Enova cannot predict all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, the words "believes," "estimates," "plans," "expects," "anticipates" and similar expressions or variations as they relate to Enova or its management are intended to identify forward-looking statements. Enova cautions you not to put undue reliance on these statements. Enova disclaims any intention or obligation to update or revise any forward-looking statements after the date of this release.Important Additional Information Filed with the SEC In connection with the proposed transaction with Grasshopper, Enova filed with the SEC a registration statement on Form S-4 (File No. 333-292287) (the "registration statement"), which contains a proxy statement of Grasshopper and a prospectus of Enova (the "proxy statement/prospectus"), and Enova may file with the SEC other relevant documents regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS CAREFULLY AND IN THEIR ENTIRETY AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC BY ENOVA, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY CONTAIN IMPORTANT INFORMATION ABOUT ENOVA, GRASSHOPPER AND THE PROPOSED TRANSACTION.  A definitive copy of the proxy statement/prospectus was mailed to stockholders of Grasshopper on or about December 31, 2025. Investors and security holders are able to obtain the registration statement and the proxy statement/prospectus, as well as other filings containing information about Enova, free of charge from Enova or from the SEC's website. The documents filed by Enova with the SEC may be obtained free of charge at Enova's website, at https://ir.enova.com/sec-filings, or by requesting them by mail at Enova International, Inc., Attention: General Counsel, 175 West Jackson Blvd., Suite 600, Chicago, Illinois 60604.Participants in the Solicitation This communication is not a solicitation of a proxy from any security holder of Enova or Grasshopper. However, Enova, Grasshopper and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from the stockholders of Grasshopper in respect of the proposed transaction. Information about Enova's directors and executive officers is available in its Annual Report on Form 10-K for the year ended December 31, 2025 and other documents filed by Enova with the SEC. Information regarding the persons who may, under the rules of the SEC, be deemed participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, are contained in the proxy statement/prospectus and other relevant materials to be filed with the SEC. Free copies of this document may be obtained as described in the preceding paragraph.This communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities of Enova or a solicitation of any vote or approval with respect to the proposed transaction by Enova of Grasshopper, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.  No offering of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the U.S. Securities Act of 1933, as amended.Non-GAAP Financial MeasuresIn addition to the financial information prepared in conformity with generally accepted accounting principles in the United States, or GAAP, Enova provides historical non-GAAP financial information. Enova presents non-GAAP financial information because such measures are used by management in understanding the activities and business metrics of Enova's operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of Enova's business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.Management provides non-GAAP financial information for informational purposes and to enhance understanding of Enova's GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of or superior to, Enova's financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.Combined Loans and Finance Receivables
The combined loans and finance receivables measures are non-GAAP measures that include loans and finance receivables that Enova owns or has purchased and loans that Enova guarantees. Management believes these non-GAAP measures provide management and investors with important information needed to evaluate the magnitude of potential receivable losses and the opportunity for revenue performance of the loans and finance receivable portfolio on an aggregate basis. Management also believes that the comparison of the aggregate amounts from period to period is more meaningful than comparing only the amounts reflected on Enova's consolidated balance sheet since revenue is impacted by the aggregate amount of receivables owned by Enova and those guaranteed by Enova as reflected in its consolidated financial statements.Adjusted Earnings Measures
Enova provides adjusted earnings and adjusted earnings per share, or, collectively, the Adjusted Earnings Measures, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which can provide a more complete understanding of Enova's financial performance, competitive position and prospects for the future. Management utilizes, and also believes that investors utilize, the Adjusted Earnings Measures to assess operating performance, recognizing that such measures may highlight trends in Enova's business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the Adjusted Earnings Measures are useful to management and investors in comparing Enova's financial results during the periods shown without the effect of certain items that are not indicative of Enova's core operating performance or results of operations.Adjusted EBITDA Measures
Enova provides Adjusted EBITDA and Adjusted EBITDA margin, or, collectively, the Adjusted EBITDA measures, which are non-GAAP measures. Adjusted EBITDA is a non-GAAP measure that Enova defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes, stock-based compensation and certain other items, as appropriate, that are not indicative of our core operating performance. Adjusted EBITDA margin is a non-GAAP measure that Enova defines as Adjusted EBITDA as a percentage of total revenue. Management utilizes, and also believes that investors utilize, Adjusted EBITDA Measures to analyze operating performance and evaluate Enova's ability to incur and service debt and Enova's capacity for making capital expenditures. Enova believes that Adjusted EBITDA is useful to management and investors in comparing Enova's financial results during the periods shown without the effect of certain non-cash items and certain items that are not indicative of Enova's core operating performance or results of operations. Adjusted EBITDA Measures are also useful to investors to help assess Enova's estimated enterprise value.ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (dollars in thousands, except per share data) (Unaudited) 

March 31,

December 31,


2026

2025

2025
Assets











Cash and cash equivalents
$96,130

$55,514

$71,709
Restricted cash

325,226


256,342


336,154
Loans and finance receivables at fair value

5,872,957


4,569,819


5,471,544
Income taxes receivable

41,020


48,117


40,901
Other receivables and prepaid expenses

74,149


71,617


80,870
Property and equipment, net

135,666


124,791


132,566
Operating lease right-of-use assets

15,926


17,607


16,549
Goodwill

279,275


279,275


279,275
Intangible assets, net

2,410


8,937


3,660
Other assets

34,492


25,239


35,204
Total assets
$6,877,251

$5,457,258

$6,468,432
Liabilities and Stockholders' Equity











Accounts payable and accrued expenses
$282,112

$237,420

$305,849
Operating lease liabilities

31,713


32,144


32,041
Deferred tax liabilities, net

329,101


233,693


295,437
Long-term debt

4,832,542


3,757,351


4,498,381
Total liabilities

5,475,468


4,260,608


5,131,708
Commitments and contingencies











Stockholders' equity:











Common stock, $0.00001 par value, 250,000,000 shares authorized, 47,904,945, 47,085,738 and 47,441,228 shares issued and 24,920,150, 25,559,390 and 24,715,608 outstanding as of March 31, 2026 and 2025 and December 31, 2025, respectively

—


—


—
Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding

—


—


—
Additional paid in capital

380,534


337,679


370,078
Retained earnings

2,097,242


1,770,699


2,006,143
Accumulated other comprehensive loss

(6,406)


(10,782)


(9,500)
Treasury stock, at cost (22,984,795, 21,526,348 and 22,725,620 shares as of March 31, 2026 and 2025 and December 31, 2025, respectively)

(1,069,587)


(900,946)


(1,029,997)
Total stockholders' equity

1,401,783


1,196,650


1,336,724
Total liabilities and stockholders' equity
$6,877,251

$5,457,258

$6,468,432
ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (in thousands, except per share data) (Unaudited) 

Three Months Ended


March 31,


2026

2025
Revenue
$875,142

$745,541
Change in Fair Value

(346,183)


(319,359)
Net Revenue

528,959


426,182
Operating Expenses







Marketing

189,415


139,291
Operations and technology

75,751


62,462
General and administrative

47,778


42,464
Depreciation and amortization

8,909


10,061
Total Operating Expenses

321,853


254,278
Income from Operations

207,106


171,904
Interest expense, net

(94,046)


(80,544)
Foreign currency transaction loss

(496)


(452)
Equity method investment income

301


120
Income before Income Taxes

112,865


91,028
Provision for income taxes

21,766


18,083
Net income
$91,099

$72,945
Earnings Per Share







Earnings per common share:







Basic
$3.66

$2.84
Diluted
$3.46

$2.69
Weighted average common shares outstanding:







Basic

24,874


25,676
Diluted

26,349


27,104
ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW (dollars in thousands) (Unaudited) 

Three Months Ended March 31,


2026

2025
Total cash flows provided by operating activities
$474,540

$391,144
Cash flows from investing activities







Loans and finance receivables

(742,621)


(496,715)
Capitalization of software development costs and purchases of fixed assets

(10,751)


(12,875)
Total cash flows used in investing activities

(753,372)


(509,590)
Cash flows provided by financing activities

292,119


107,327
Effect of exchange rates on cash, cash equivalents and restricted cash

206


307
Net increase (decrease) in cash, cash equivalents and restricted cash

13,493


(10,812)
Cash, cash equivalents and restricted cash at beginning of year

407,863


322,668
Cash, cash equivalents and restricted cash at end of period
$421,356

$311,856
ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES LOANS AND FINANCE RECEIVABLES FINANCIAL AND OPERATING DATA (dollars in thousands) The following table includes financial information for loans and finance receivables, which is based on loan and finance receivable balances for the three months ended March 31, 2026 and 2025. Three Months Ended March 31,
2026

2025

Change
Ending combined loan and finance receivable principal balance:











Company owned
$5,098,548

$3,964,419

$1,134,129
Guaranteed by the Company(a)

14,806


14,813


(7)
Total combined loan and finance receivable principal balance(b)
$5,113,354

$3,979,232

$1,134,122
Ending combined loan and finance receivable fair value balance:











Company owned
$5,872,957

$4,569,819

$1,303,138
Guaranteed by the Company(a)

20,925


21,225


(300)
Ending combined loan and finance receivable fair value balance(b)
$5,893,882

$4,591,044

$1,302,838
Fair value as a % of principal(c)

115.3%

115.4%

(0.1)%Ending combined loan and finance receivable balance, including principal and accrued fees/interest outstanding:











Company owned
$5,257,711

$4,117,245

$1,140,466
Guaranteed by the Company(a)

17,867


17,954


(87)
Ending combined loan and finance receivable balance(b)
$5,275,578

$4,135,199

$1,140,379
Average combined loan and finance receivable balance, including principal and accrued fees/interest outstanding:











Company owned(d)
$5,120,550

$4,068,475

$1,052,075
Guaranteed by the Company(a)(d)

19,696


20,700


(1,004)
Average combined loan and finance receivable balance(a)(d)
$5,140,246

$4,089,175

$1,051,071
Installment loans as percentage of average combined loan and finance receivable balance

43.8%

44.4%

(0.7)%Line of credit accounts as percentage of average combined loan and finance receivable balance

56.2%

55.6%

0.7%












Revenue
$863,307

$735,421

$127,886
Change in fair value

(344,300)


(317,480)


(26,820)
Net revenue
$519,007

$417,941

$101,066
Net revenue margin

60.1%

56.8%

3.3%












Combined loan and finance receivable originations and purchases
$2,293,177

$1,729,479

$563,698













Delinquencies:











>30 days delinquent
$388,264

$318,356

$69,908
>30 days delinquent as a % of combined loan and finance receivable balance(c)

7.4%

7.7%

(0.3)%












Charge-offs:











Charge-offs (net of recoveries)
$390,594

$350,336

$40,258
Charge-offs (net of recoveries) as a % of average combined loan and finance receivable balance(d)

7.6%

8.6%

(1.0)%______________________(a)   Represents loans originated by third-party lenders through the CSO programs, which are not included in our consolidated balance sheets. (b)   Non-GAAP measure.(c)    Determined using period-end balances.(d)   The average combined loan and finance receivable balance is the average of the month-end balances during the period.ENOVA INTERNATIONAL, INC. AND SUBSIDIARIESRECONCILIATION OF GAAP TO NON-GAAP FINANCIAL MEASURES (dollars in thousands, except per share data) Adjusted Earnings Measures 

Three Months Ended


March 31,


2026

2025
Net income
$91,099

$72,945
Adjustments:







Transaction-related costs(a)

2,650


—
Equity method investment income

(301)


(120)
Intangible asset amortization

1,250


2,014
Stock-based compensation expense

8,709


7,936
Foreign currency transaction loss

496


452
Cumulative tax effect of adjustments

(1,971)


(2,488)









Adjusted earnings
$101,932

$80,739









Diluted earnings per share
$3.46

$2.69









Adjusted earnings per share
$3.87

$2.98
 Adjusted EBITDA 

Three Months Ended


March 31,


2026

2025
Net income
$91,099

$72,945
Depreciation and amortization expenses

8,909


10,061
Interest expense, net

94,046


80,544
Foreign currency transaction loss

496


452
Provision for income taxes

21,766


18,083
Stock-based compensation expense

8,709


7,936
Adjustments:







Transaction-related costs(a)

2,650


—
Equity method investment income

(301)


(120)









Adjusted EBITDA
$227,374

$189,901









Adjusted EBITDA margin calculated as follows:







Total Revenue
$875,142

$745,541
Adjusted EBITDA

227,374


189,901
Adjusted EBITDA as a percentage of total revenue

26.0%

25.5%(a)  In the first quarter of 2026, the Company recorded $2.7 million ($2.0 million net of tax) of costs related to the announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank. 



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Original: Enova Reports First Quarter 2026 Results

Enova Announces Date of First Quarter 2026 Financial Results Conference CallApril 9, 2026 4:16 PM
PR Newswire (US)

CHICAGO, April 9, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced the company's first quarter 2026 financial results will be released after the market close on Thursday, April 23, 2026.







Enova will host a conference call to discuss its results at 4 p.m. Central Time / 5 p.m. Eastern Time the same day. The live webcast of the call can be accessed at the Enova International Investor Relations website at http://ir.enova.com, along with the company's earnings press release and supplemental financial information.The U.S. dial-in for the call is 1-855-560-2575 (1-412-542-4161 for non-U.S. callers). Please ask to join the Enova International call. A replay of the conference call will be available until April 30, 2026, at 10:59 p.m. Central Time / 11:59 p.m. Eastern Time, while an archived version of the webcast will be available on the Enova International Investor Relations website for 90 days. The U.S. dial-in for the conference call replay is 1-855-669-9658 (1-412-317-0088). The replay access code is 3473857.About Enova
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $67 billion in loans and financing to more than 14 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.



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Original: Enova Announces Date of First Quarter 2026 Financial Results Conference Call

New Report: Small Businesses Enter 2026 with Sustained Confidence, Expanding Access to Capital and Growing Use of AIJanuary 28, 2026 2:41 PM
PR Newswire (US)

94% of small businesses anticipate growth over the next year as owners invest in efficiency and plan ahead amid evolving market conditionsCHICAGO, Jan. 28, 2026 /PRNewswire/ -- Small business confidence remains resilient heading into the new year, according to the latest Small Business Cash Flow Trend Report from OnDeck, a market leader in small business lending and Ocrolus, an AI workflow and cash flow analytics platform for lenders.







Key findings include:Growth Expectations. 94% of small business owners project growth in 2026, matching a survey all-time high.Top Challenges. Inflation (31%) and cash flow (29%) remain the top challenges for small businesses in the fourth quarter.Non-Bank Lender Preference. Small businesses are increasingly leveraging the speed and ease of non-bank lenders for their working capital needs, with 74% choosing these solutions over traditional banks.AI Adoption. Among the 56% of small businesses reporting AI use, adoption is concentrated in marketing (63%). Overall, 87% of all AI users report a positive impact on their business.2026 Planning Strategies. Small business owners report that consumer spending trends (38%) and access to credit (37%) are among the most influential factors shaping their business strategies heading into 2026."Small business owners are entering 2026 with confidence and clarity. They're investing in AI and maintaining disciplined cash flow strategies while using a wider range of financing options, like OnDeck, to support sustainable growth," said Cory Kampfer, Co-President of Small Business at Enova."The data shows that small businesses are taking a proactive approach to growth," said David Snitkof, General Manager of Small Business at Ocrolus. "With access to real-time, AI-driven cash flow insights, lenders can move faster, and business owners can make informed decisions that support success in the new year and long-term."The report is based on responses from 468 small businesses with working capital loans and over 3.45 million small business applications for working capital financing during the past 15 months. The nationwide survey was completed between December 15–23, 2025. For more information and complete survey results, please visit: ondeck.com/small-business-trends.About OnDeck®
OnDeck®, part of Enova International, is the proven leader in transparent and responsible online lending to small businesses. Founded in 2006, the company pioneered the use of data analytics and digital technology to make real-time lending decisions and deliver capital rapidly to small businesses online. Today, OnDeck offers a wide range of term loans and lines of credit customized for the needs of small business owners. OnDeck has provided loans to customers in 900 different industries nationwide. For more information, visit www.ondeck.com.About Enova
Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $67 billion in loans and financing to more than 14 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.About Ocrolus
Ocrolus is a vertical AI workflow and analytics platform that transforms messy documents and digital data into regulatory-grade decision intelligence. Since 2016, Ocrolus has used purpose-built, lending-specific AI models trained on financial documents to help financial institutions make faster and more accurate credit decisions. For more information, visit www.ocrolus.com.



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Original: New Report: Small Businesses Enter 2026 with Sustained Confidence, Expanding Access to Capital and Growing Use of AI

Enova Reports Fourth Quarter and Full Year 2025 ResultsJanuary 27, 2026 9:16 PM
PR Newswire (US)

Originations rose 32% and total company revenue increased 15% from the fourth quarter of 2024Diluted earnings per share of $3.00 increased 30% and adjusted earnings per share1 of $3.46 rose 33% compared to the fourth quarter of 2024Consolidated credit performance remained strong with a net charge-off ratio of 8.3% and net revenue margin of 60%Year-over-year improvement in the consolidated 30+ day delinquency ratio of 6.7% and stability in the consolidated portfolio fair value premium of 115% reflect a stable credit outlookLiquidity, including cash and marketable securities and available capacity on facilities, totaled $1.1 billion at December 31stShare repurchases during the quarter totaled $35 millionCHICAGO, Jan. 27, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced financial results for the fourth quarter and full year ended December 31, 2025. 







"Our fourth quarter results capped off another exceptional year for Enova as originations growth and solid credit across our portfolio once again drove strong financial performance," said Steve Cunningham, Enova's CEO. "We have considerable momentum heading into 2026 and believe our balanced growth strategy will continue to deliver sustainable and profitable growth while delivering on our commitment to driving long-term shareholder value. In addition, our recently announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank, which we expect to close during the second half of 2026, will unite Enova's sophisticated online lending platform with Grasshopper's client-first digital banking capabilities under a national bank charter, enabling us to serve our customers in more states and providing opportunities to deliver a comprehensive suite of financial products."Fourth Quarter 2025 SummaryTotal revenue of $839 million increased 15% from $730 million in the fourth quarter of 2024.Net revenue margin of 60% compared to 57% in the fourth quarter of 2024, reflecting continued solid credit performance.Net income of $79 million, or $3.00 per diluted share, increased 24% from $64 million, or $2.30 per diluted share, in the fourth quarter of 2024.Adjusted EBITDA1 of $211 million increased 21% from $174 million in the fourth quarter of 2024.Adjusted earnings per share1 of $3.46 increased 33% from $2.61 per diluted share in the fourth quarter of 2024.Total company combined loans and finance receivables1 increased 23% from the end of the fourth quarter of 2024 to a record $4.9 billion with total company originations of $2.3 billion in the quarter.Repurchased $35 million of common stock under the company's share repurchase program.Full Year 2025 SummaryTotal revenue of $3.2 billion increased 19% from $2.7 billion in 2024.Net revenue margin of 58% was consistent with 2024.Net income of $308 million, or $11.52 per diluted share, increased 47% from $209 million, or $7.43 per diluted share, in 2024.Adjusted EBITDA1 of $821 million increased 25% from $657 million in 2024.Adjusted earnings per share1 of $12.96 increased 42% from $9.15 in 2024."We were pleased to close 2025 with fourth quarter financial results that once again met or exceeded our expectations," said Scott Cornelis, CFO of Enova. "Strong growth in originations, receivables and revenue combined with strong credit performance and operating efficiency delivered another solid quarter of financial performance. Our fourth quarter and full year results highlight the strength of our diversified products, scalable operating model, world-class risk management capabilities and balance sheet flexibility. We remain well positioned to drive meaningful financial results in 2026 and beyond."________________________1 Non-GAAP measure. Refer to "Non-GAAP Financial Measures," "Loans and Finance Receivables Financial and Operating Data,"
 and "Reconciliation of GAAP to Non-GAAP Financial Measures" below for additional information.Conference CallEnova will host a conference call to discuss its fourth quarter and full year 2025 results at 4 p.m. Central Time / 5 p.m. Eastern Time today, January 27th. The live webcast of the call can be accessed at the Enova Investor Relations website at http://ir.enova.com, along with the company's earnings press release and supplemental financial information. The U.S. dial-in for the call is 1-855-560-2575 (1-412-542-4161 for non-U.S. callers). Please ask to join the Enova International call. A replay of the conference call will be available until February 3, 2026, at 10:59 p.m. Central Time / 11:59 p.m. Eastern Time, while an archived version of the webcast will be available on the Enova International Investor Relations website for 90 days. The U.S. dial-in for the conference call replay is 1-877-344-7529 (1-412-317-0088). The replay access code is 9073897.About EnovaEnova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $67 billion in loans and financing to more than 14 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.Cautionary Statement Concerning Forward Looking StatementsThis release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 about the business, financial condition and prospects of Enova. These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of Enova's senior management with respect to the business, financial condition and prospects of Enova as of the date of this release and are not guarantees of future performance. The actual results of Enova could differ materially from those indicated by such forward-looking statements because of various risks and uncertainties applicable to Enova's business, including, without limitation, those risks and uncertainties indicated in Enova's filings with the Securities and Exchange Commission ("SEC"), including our annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K. These risks and uncertainties are beyond the ability of Enova to control, and, in many cases, Enova cannot predict all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, the words "believes," "estimates," "plans," "expects," "anticipates" and similar expressions or variations as they relate to Enova or its management are intended to identify forward-looking statements. Enova cautions you not to put undue reliance on these statements. Enova disclaims any intention or obligation to update or revise any forward-looking statements after the date of this release.Important Additional Information Filed with the SEC In connection with the proposed transaction with Grasshopper, Enova filed with the SEC a registration statement on Form S-4 (File No. 333-292287) (the "registration statement"), which contains a proxy statement of Grasshopper and a prospectus of Enova (the "proxy statement/prospectus"), and Enova may file with the SEC other relevant documents regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS CAREFULLY AND IN THEIR ENTIRETY AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC BY ENOVA, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY CONTAIN IMPORTANT INFORMATION ABOUT ENOVA, GRASSHOPPER AND THE PROPOSED TRANSACTION.  A definitive copy of the proxy statement/prospectus was mailed to stockholders of Grasshopper on or about December 31, 2025. Investors and security holders are able to obtain the registration statement and the proxy statement/prospectus, as well as other filings containing information about Enova, free of charge from Enova or from the SEC's website. The documents filed by Enova with the SEC may be obtained free of charge at Enova's website, at https://ir.enova.com/sec-filings, or by requesting them by mail at Enova International, Inc., Attention: General Counsel, 175 West Jackson Blvd., Suite 600, Chicago, Illinois 60604.Participants in the Solicitation This communication is not a solicitation of a proxy from any security holder of Enova or Grasshopper. However, Enova, Grasshopper and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from the stockholders of Grasshopper in respect of the proposed transaction. Information about Enova's directors and executive officers is available in its Annual Report on Form 10-K for the year ended December 31, 2024 and other documents filed by Enova with the SEC. Information regarding the persons who may, under the rules of the SEC, be deemed participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, are contained in the proxy statement/prospectus and other relevant materials to be filed with the SEC. Free copies of this document may be obtained as described in the preceding paragraph.This communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities of Enova or a solicitation of any vote or approval with respect to the proposed transaction by Enova of Grasshopper, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.  No offering of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the U.S. Securities Act of 1933, as amended.Non-GAAP Financial MeasuresIn addition to the financial information prepared in conformity with generally accepted accounting principles in the United States, or GAAP, Enova provides historical non-GAAP financial information. Enova presents non-GAAP financial information because such measures are used by management in understanding the activities and business metrics of Enova's operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of Enova's business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.Management provides non-GAAP financial information for informational purposes and to enhance understanding of Enova's GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of or superior to, Enova's financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.Combined Loans and Finance Receivables
The combined loans and finance receivables measures are non-GAAP measures that include loans and finance receivables that Enova owns or has purchased and loans that Enova guarantees. Management believes these non-GAAP measures provide management and investors with important information needed to evaluate the magnitude of potential receivable losses and the opportunity for revenue performance of the loans and finance receivable portfolio on an aggregate basis. Management also believes that the comparison of the aggregate amounts from period to period is more meaningful than comparing only the amounts reflected on Enova's consolidated balance sheet since revenue is impacted by the aggregate amount of receivables owned by Enova and those guaranteed by Enova as reflected in its consolidated financial statements.Adjusted Earnings Measures
Enova provides adjusted earnings and adjusted earnings per share, or, collectively, the Adjusted Earnings Measures, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which can provide a more complete understanding of Enova's financial performance, competitive position and prospects for the future. Management utilizes, and also believes that investors utilize, the Adjusted Earnings Measures to assess operating performance, recognizing that such measures may highlight trends in Enova's business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the Adjusted Earnings Measures are useful to management and investors in comparing Enova's financial results during the periods shown without the effect of certain items that are not indicative of Enova's core operating performance or results of operations.Adjusted EBITDA Measures
Enova provides Adjusted EBITDA and Adjusted EBITDA margin, or, collectively, the Adjusted EBITDA measures, which are non-GAAP measures. Adjusted EBITDA is a non-GAAP measure that Enova defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes, stock-based compensation and certain other items, as appropriate, that are not indicative of our core operating performance. Adjusted EBITDA margin is a non-GAAP measure that Enova defines as Adjusted EBITDA as a percentage of total revenue. Management utilizes, and also believes that investors utilize, Adjusted EBITDA Measures to analyze operating performance and evaluate Enova's ability to incur and service debt and Enova's capacity for making capital expenditures. Enova believes that Adjusted EBITDA is useful to management and investors in comparing Enova's financial results during the periods shown without the effect of certain non-cash items and certain items that are not indicative of Enova's core operating performance or results of operations. Adjusted EBITDA Measures are also useful to investors to help assess Enova's estimated enterprise value. ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (dollars in thousands, except per share data) (Unaudited)


December 31,

2025

2024Assets






Cash and cash equivalents
$71,709

$73,910Restricted cash

336,154


248,758Loans and finance receivables at fair value

5,471,544


4,386,444Income taxes receivable

40,901


40,690Other receivables and prepaid expenses

80,870


63,752Property and equipment, net

132,566


119,956Operating lease right-of-use asset

16,549


18,201Goodwill

279,275


279,275Intangible assets, net

3,660


10,951Other assets

35,204


24,194Total assets
$6,468,432

$5,266,131Liabilities and Stockholders' Equity






Accounts payable and accrued expenses
$305,849

$249,970Operating lease liability

32,041


32,165Deferred tax liabilities, net

295,437


223,590Long-term debt

4,498,381


3,563,482Total liabilities

5,131,708


4,069,207Commitments and contingencies






Stockholders' equity:






Common stock, $0.00001 par value, 250,000,000 shares authorized, 47,441,228and 46,520,916 shares issued and 24,715,608 and 25,808,096 outstanding as ofDecember 31, 2025 and 2024, respectively

—


—Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no sharesissued and outstanding

—


—Additional paid in capital

370,078


328,268Retained earnings

2,006,143


1,697,754Accumulated other comprehensive loss

(9,500)


(13,691)Treasury stock, at cost (22,725,620 and 20,712,820 shares as ofDecember 31, 2025 and 2024, respectively)

(1,029,997)


(815,407)Total stockholders' equity

1,336,724


1,196,924Total liabilities and stockholders' equity
$6,468,432

$5,266,131 ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (in thousands, except per share data) (Unaudited)


Three Months Ended

Year Ended

December 31,

December 31,

2025

2024

2025

2024Revenue
$839,391

$729,551

$3,151,653

$2,657,800Change in Fair Value

(337,497)


(316,515)


(1,321,412)


(1,128,351)Net Revenue

501,894


413,036


1,830,241


1,529,449Operating Expenses














Marketing

191,587


151,178


621,077


523,569Operations and technology

67,505


58,431


258,179


224,391General and administrative

47,089


38,035


169,722


156,524Depreciation and amortization

9,066


10,196


41,831


40,207Total Operating Expenses

315,247


257,840


1,090,809


944,691Income from Operations

186,647


155,196


739,432


584,758Interest expense, net

(89,026)


(76,989)


(339,305)


(290,442)Foreign currency transaction gain (loss)

595


(902)


367


(1,064)Equity method investment income (loss)

568


92


1,559


(16,460)Other nonoperating expenses

—


—


(1,019)


(5,691)Income before Income Taxes

98,784


77,397


401,034


271,101Provision for income taxes

19,803


13,702


92,645


61,653Net income
$78,981

$63,695

$308,389

$209,448Earnings Per Share:














Earnings per common share:














  Basic
$3.19

$2.44

$12.25

$7.78  Diluted
$3.00

$2.30

$11.52

$7.43Weighted average common shares outstanding:














  Basic

24,758


26,141


25,169


26,920  Diluted

26,357


27,666


26,775


28,202 ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW (dollars in thousands) (Unaudited)


Year Ended December 31,

2025

2024Cash flows provided by operating activities
$1,819,121

$1,538,576Cash flows from investing activities






Loans and finance receivables

(2,398,643)


(1,867,773)Property and equipment additions

(47,140)


(43,422)Total cash flows used in investing activities

(2,445,783)


(1,911,195)Cash flows provided by financing activities

711,818


318,882Effect of exchange rates on cash

39


(1,034)Net change in cash and cash equivalents and restricted cash

85,195


(54,771)Cash, cash equivalents and restricted cash at beginning of year

322,668


377,439Cash, cash equivalents and restricted cash at end of period
$407,863

$322,668 ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES LOANS AND FINANCE RECEIVABLES FINANCIAL AND OPERATING DATA (dollars in thousands)
The following table includes financial information for loans and finance receivables, which is based on loan and finance receivablebalances for the three months ended December 31, 2025 and 2024.
Three Months Ended December 31
2025

2024

Change
Ending combined loan and finance receivable principal balance:











Company owned
$4,748,014

$3,810,444

$937,570
Guaranteed by the Company(a)

18,656


19,859


(1,203)
Total combined loan and finance receivable principal balance(b)
$4,766,670

$3,830,303

$936,367
Ending combined loan and finance receivable fair value balance:











Company owned
$5,471,544

$4,386,444

$1,085,100
Guaranteed by the Company(a)

26,148


28,414


(2,266)
Ending combined loan and finance receivable fair value balance(b)
$5,497,692

$4,414,858

$1,082,834
Fair value as a % of principal(c)

115.3%

115.3%

—%Ending combined loan and finance receivable balance, including principal andaccrued fees/interest outstanding:











Company owned
$4,902,287

$3,966,486

$935,801
Guaranteed by the Company(a)

22,349


23,826


(1,477)
Ending combined loan and finance receivable balance(b)
$4,924,636

$3,990,312

$934,324
Average combined loan and finance receivable balance, including principal andaccrued fees/interest outstanding:











Company owned(d)
$4,685,593

$3,842,144

$843,449
Guaranteed by the Company(a)(d)

20,562


22,060


(1,498)
Average combined loan and finance receivable balance(a)(d)
$4,706,155

$3,864,204

$841,951
Installment loans as percentage of average combined loan and finance receivablebalance

44.3%

44.9%

(0.6)%Line of credit accounts as percentage of average combined loan and financereceivable balance

55.7%

55.1%

0.6%












Revenue
$828,580

$719,410

$109,170
Change in fair value

(335,483)


(314,091)


(21,392)
Net revenue

493,097


405,319


87,778
Net revenue margin

59.5%

56.3%

3.2%












Combined loan and finance receivable originations and purchases
$2,255,942

$1,714,919

$541,023













Delinquencies:











>30 days delinquent
$332,164

$297,832

$34,332
>30 days delinquent as a % of loan and finance receivable balance(c)

6.7%

7.5%

(0.8)%












Charge-offs:











Charge-offs (net of recoveries)
$392,075

$342,183

$49,892
Charge-offs (net of recoveries) as a % of average loan and finance receivablebalance(d)

8.3%

8.9%

(0.6)%_____________________(a)Represents loans originated by third-party lenders through the CSO programs, which are not included in our consolidated balance sheets. (b)Non-GAAP measure.(c)Determined using period-end balances.(d)The average combined loan and finance receivable balance is the average of the month-end balances during the period. ENOVA INTERNATIONAL, INC. AND SUBSIDIARIESRECONCILIATION OF GAAP TO NON-GAAP FINANCIAL MEASURES (dollars in thousands, except per share data)







Adjusted Earnings Measures














Three Months Ended

Year Ended


December 31,

December 31,


2025

2024

2025

2024
Net income
$78,981

$63,695

$308,389

$209,448
Adjustments:















Transaction-related costs(a)

6,566


—


6,566


327
Equity method investment (income) loss(b)

(568)


(92)


(1,559)


16,460
Other nonoperating expenses(c)

—


—


1,019


5,691
Intangible asset amortization

1,249


2,014


7,290


8,055
Stock-based compensation expense

8,519


8,297


33,096


31,816
Foreign currency transaction (gain) loss, net

(595)


902


(367)


1,064
Cumulative tax effect of adjustments

(2,860)


(2,608)


(7,528)


(14,789)
Adjusted earnings
$91,292

$72,208

$346,906

$258,072

















Diluted earnings per share
$3.00

$2.30

$11.52

$7.43

















Adjusted earnings per share
$3.46

$2.61

$12.96

$9.15







Adjusted EBITDA














Three Months Ended

Year Ended


December 31,

December 31,


2025

2024

2025

2024
Net income
$78,981

$63,695

$308,389

$209,448
Depreciation and amortization expenses

9,066


10,196


41,831


40,207
Interest expense, net

89,026


76,989


339,305


290,442
Foreign currency transaction (gain) loss, net

(595)


902


(367)


1,064
Provision for income taxes

19,803


13,702


92,645


61,653
Stock-based compensation expense

8,519


8,297


33,096


31,816
Adjustments:















Transaction-related costs(a)

6,566


—


6,566


327
Equity method investment (income) loss(b)

(568)


(92)


(1,559)


16,460
Other nonoperating expenses(c)

—


—


1,019


5,691
Adjusted EBITDA
$210,798

$173,689

$820,925

$657,108

















Adjusted EBITDA margin calculated as follows:















Total Revenue
$839,391

$729,551

$3,151,653

$2,657,800
Adjusted EBITDA

210,798


173,689


820,925


657,108
Adjusted EBITDA as a percentage of total revenue

25.1%

23.8%

26.0%

24.7%_____________________(a)In the fourth quarter of 2025, the Company recorded $6.6 million ($5.0 million net of tax) of costs related to the announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank. In the first quarter of 2024, the Company recorded $0.3 million ($0.2 million net of tax) of costs related to a consent solicitation for the Senior Notes due 2025.(b)In the third quarter of 2024, the Company recorded an equity method investment loss of $16.6 million ($13.3 million net of tax) related to the write-down of its investment in Linear.(c)In the twelve-month periods ended December 31, 2025 and 2024, the Company recorded other nonoperating expense of $1.0 million ($0.8 million net of tax) and $5.7 million ($4.3 million net of tax), respectively, related to the early extinguishment of debt.  



View original content to download multimedia:https://www.prnewswire.com/news-releases/enova-reports-fourth-quarter-and-full-year-2025-results-302671738.htmlSOURCE Enova International, Inc.

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