Enova International Inc.
04/14/2026 | Press release | Archived content
Supplemental Financial Information (Supplemental Earnings Release Tables 2026Q1)
Selected Financial Data
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Statement of Income Data: | ||||||||||||||||||||||||||||||
| Revenue | $ 609,889 | $ 628,436 | $ 689,924 | $ 729,551 | $ 2,657,800 | $ 745,541 | $ 764,043 | $ 802,678 | $ 839,391 | $ 3,151,653 | $ 875,142 | $ 875,142 | ||||||||||||||||||
| Change in Fair Value | (262,106) | (255,980) | (287,037) | (314,091) | (1,119,214) | (317,480) | (320,556) | (339,872) | (335,483) | (1,313,391) | (344,300) | (344,300) | ||||||||||||||||||
| Cost of Revenue | (1,917) | (2,265) | (2,531) | (2,424) | (9,137) | (1,879) | (2,029) | (2,099) | (2,014) | (8,021) | (1,883) | (1,883) | ||||||||||||||||||
| Net Revenue | 345,866 | 370,191 | 400,356 | 413,036 | 1,529,449 | 426,182 | 441,458 | 460,707 | 501,894 | 1,830,241 | 528,959 | - | - | - | 528,959 | |||||||||||||||
| Operating Expenses | ||||||||||||||||||||||||||||||
| Marketing | 110,567 | 120,765 | 141,059 | 151,178 | 523,569 | 139,291 | 142,848 | 147,351 | 191,587 | 621,077 | 189,415 | 189,415 | ||||||||||||||||||
| Operations and technology | 54,379 | 54,953 | 56,628 | 58,431 | 224,391 | 62,462 | 63,648 | 64,564 | 67,505 | 258,179 | 75,751 | 75,751 | ||||||||||||||||||
| General and administrative | 39,865 | 39,708 | 38,916 | 38,035 | 156,524 | 42,464 | 40,508 | 39,661 | 47,089 | 169,722 | 47,778 | 47,778 | ||||||||||||||||||
| Depreciation and amortization | 10,263 | 9,709 | 10,039 | 10,196 | 40,207 | 10,061 | 10,348 | 12,356 | 9,066 | 41,831 | 8,909 | 8,909 | ||||||||||||||||||
| Total Operating Expenses | 215,074 | 225,135 | 246,642 | 257,840 | 944,691 | 254,278 | 257,352 | 263,932 | 315,247 | 1,090,809 | 321,853 | - | - | - | 321,853 | |||||||||||||||
| Income from Operations | 130,792 | 145,056 | 153,714 | 155,196 | 584,758 | 171,904 | 184,106 | 196,775 | 186,647 | 739,432 | 207,106 | - | - | - | 207,106 | |||||||||||||||
| Interest expense | (65,597) | (70,954) | (76,902) | (76,989) | (290,442) | (80,544) | (82,781) | (86,954) | (89,026) | (339,305) | (94,046) | (94,046) | ||||||||||||||||||
| Foreign currency transaction (loss) gain | (48) | (19) | (95) | (902) | (1,064) | (452) | 134 | 90 | 595 | 367 | (496) | (496) | ||||||||||||||||||
| Equity method investment income (loss) | - | - | (16,552) | 92 | (16,460) | 120 | 613 | 258 | 568 | 1,559 | 301 | 301 | ||||||||||||||||||
| Other nonoperating expenses | (492) | (521) | (4,678) | - | (5,691) | - | (1,019) | - | - | (1,019) | - | - | ||||||||||||||||||
| Income before Income Taxes | 64,655 | 73,562 | 55,487 | 77,397 | 271,101 | 91,028 | 101,053 | 110,169 | 98,784 | 401,034 | 112,865 | - | - | - | 112,865 | |||||||||||||||
| Provision for income taxes | 16,227 | 19,651 | 12,073 | 13,702 | 61,653 | 18,083 | 24,904 | 29,855 | 19,803 | 92,645 | 21,766 | 21,766 | ||||||||||||||||||
| Net income | $ 48,428 | $ 53,911 | $ 43,414 | $ 63,695 | $ 209,448 | $ 72,945 | $ 76,149 | $ 80,314 | $ 78,981 | $ 308,389 | $ 91,099 | $ - | $ - | $ - | $ 91,099 | |||||||||||||||
| Earnings Per Share | ||||||||||||||||||||||||||||||
| Earnings per common share: | ||||||||||||||||||||||||||||||
| Basic | $ 1.72 | $ 2.00 | $ 1.64 | $ 2.44 | $ 7.78 | $ 2.84 | $ 3.01 | $ 3.22 | $ 3.19 | $ 12.25 | $ 3.66 | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | $ 3.66 | |||||||||||||||
| Diluted | $ 1.64 | $ 1.93 | $ 1.57 | $ 2.30 | $ 7.43 | $ 2.69 | $ 2.86 | $ 3.03 | $ 3.00 | $ 11.52 | $ 3.46 | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | $ 3.46 | |||||||||||||||
| Weighted average common shares outstanding: | ||||||||||||||||||||||||||||||
| Basic | 28,196 | 26,938 | 26,420 | 26,141 | 26,920 | 25,676 | 25,297 | 24,955 | 24,758 | 25,169 | 24,874 | 24,874 | ||||||||||||||||||
| Diluted | 29,503 | 27,941 | 27,711 | 27,666 | 28,202 | 27,104 | 26,646 | 26,472 | 26,357 | 26,775 | 26,349 | 26,349 | ||||||||||||||||||
| Balance Sheet Data (at period end): | ||||||||||||||||||||||||||||||
| Cash and cash equivalents | $ 76,458 | $ 60,138 | $ 67,500 | $ 73,910 | $ 73,910 | $ 55,514 | $ 55,560 | $ 53,600 | $ 71,709 | $ 71,709 | $ 96,130 | $ 96,130 | $ 96,130 | $ 96,130 | $ 96,130 | |||||||||||||||
| Loans and finance receivables at fair value | 3,795,210 | 3,939,159 | 4,134,440 | 4,386,444 | 4,386,444 | 4,569,819 | 4,773,315 | 5,012,853 | 5,471,544 | 5,471,544 | 5,872,957 | 5,872,957 | 5,872,957 | 5,872,957 | 5,872,957 | |||||||||||||||
| Total assets | 4,636,527 | 4,817,091 | 4,975,696 | 5,266,131 | 5,266,131 | 5,457,258 | 5,724,753 | 5,962,237 | 6,468,432 | 6,468,432 | 6,877,251 | 6,877,251 | 6,877,251 | 6,877,251 | 6,877,251 | |||||||||||||||
| Long-term debt | 3,040,867 | 3,194,121 | 3,293,735 | 3,563,482 | 3,563,482 | 3,757,351 | 3,963,514 | 4,106,471 | 4,498,381 | 4,498,381 | 4,832,542 | 4,832,542 | 4,832,542 | 4,832,542 | 4,832,542 | |||||||||||||||
| Total stockholder's equity | 1,150,211 | 1,147,528 | 1,178,693 | 1,196,924 | 1,196,924 | 1,196,650 | 1,228,655 | 1,283,675 | 1,336,724 | 1,336,724 | 1,401,783 | 1,401,783 | 1,401,783 | 1,401,783 | 1,401,783 |
&"-,Bold"Enova International, Inc. Selected Historical Data (Unaudited) &8(In thousands, except per share data) &G
Adjusted EBITDA
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Net income | $ 48,428 | $ 53,911 | $ 43,414 | $ 63,695 | $ 209,448 | $ 72,945 | $ 76,149 | $ 80,314 | $ 78,981 | $ 308,389 | $ 91,099 | $ - | $ - | $ - | $ 91,099 | |||||||||||||||
| Depreciation and amortization expenses | 10,263 | 9,709 | 10,039 | 10,196 | 40,207 | 10,061 | 10,348 | 12,356 | 9,066 | 41,831 | 8,909 | - | - | - | 8,909 | |||||||||||||||
| Interest expense, net | 65,597 | 70,954 | 76,902 | 76,989 | 290,442 | 80,544 | 82,781 | 86,954 | 89,026 | 339,305 | 94,046 | - | - | - | 94,046 | |||||||||||||||
| Foreign currency transaction loss (gain) | 48 | 19 | 95 | 902 | 1,064 | 452 | (134) | (90) | (595) | (367) | 496 | - | - | - | 496 | |||||||||||||||
| Provision for income taxes | 16,227 | 19,651 | 12,073 | 13,702 | 61,653 | 18,083 | 24,904 | 29,855 | 19,803 | 92,645 | 21,766 | - | - | - | 21,766 | |||||||||||||||
| Stock-based compensation expense | 7,639 | 7,764 | 8,116 | 8,297 | 31,816 | 7,936 | 8,106 | 8,535 | 8,519 | 33,096 | 8,709 | 8,709 | ||||||||||||||||||
| Adjustments: | ||||||||||||||||||||||||||||||
| Transaction-related costs(a) | 327 | - | - | - | 327 | - | - | - | 6,566 | 6,566 | 2,650 | 2,650 | ||||||||||||||||||
| Equity method investment loss (income)(b) | - | - | 16,552 | (92) | 16,460 | (120) | (613) | (258) | (568) | (1,559) | (301) | - | - | - | (301) | |||||||||||||||
| Other nonoperating expenses(c) | 492 | 521 | 4,678 | - | 5,691 | - | 1,019 | - | - | 1,019 | - | - | - | - | - | |||||||||||||||
| Regulatory settlement(d) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||
| Adjusted EBITDA | $ 149,021 | $ 162,529 | $ 171,869 | $ 173,689 | $ 657,108 | $ 189,901 | $ 202,560 | $ 217,666 | $ 210,798 | $ 820,925 | $ 227,374 | $ - | $ - | $ - | $ 227,374 | |||||||||||||||
| Adjusted EBITDA margin calculated as follows: | ||||||||||||||||||||||||||||||
| Total Revenue | $ 609,889 | $ 628,436 | $ 689,924 | $ 729,551 | $ 2,657,800 | $ 745,541 | $ 764,043 | $ 802,678 | $ 839,391 | $ 3,151,653 | $ 875,142 | $ - | $ - | $ - | $ 875,142 | |||||||||||||||
| Adjusted EBITDA | $ 149,021 | $ 162,529 | $ 171,869 | $ 173,689 | $ 657,108 | $ 189,901 | $ 202,560 | $ 217,666 | $ 210,798 | $ 820,925 | $ 227,374 | $ - | $ - | $ - | $ 227,374 | |||||||||||||||
| Adjusted EBITDA as a percentage of total revenue | 24.4% | 25.9% | 24.9% | 23.8% | 24.7% | 25.5% | 26.5% | 27.1% | 25.1% | 26.0% | 26.0% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 26.0% | |||||||||||||||
| (a) In the first quarter of 2026 and the fourth quarter of 2025, the Company recorded 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 costs related to a consent solicitation for the Senior Notes due 2025. | ||||||||||||||||||||||||||||||
| (b) In the third quarter of 2024, the Company recorded a write-down of its investment in Linear. | ||||||||||||||||||||||||||||||
| (c) In the second quarter of 2025 and the first, second and third quarters of 2024, the Company recorded losses on early extinguishment of debt related to the repayment of debt. |
&"-,Bold"Enova International, Inc. Adjusted EBITDA (Unaudited) &8(Dollars in thousands) &G
Adjusted Earnings
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Net income attributable to Enova International, Inc. | $ 48,428 | $ 53,911 | $ 43,414 | $ 63,695 | $ 209,448 | $ 72,945 | $ 76,149 | $ 80,314 | $ 78,981 | $ 308,389 | $ 91,099 | $ - | $ - | $ - | $ 91,099 | |||||||||||||||
| Adjustments: | ||||||||||||||||||||||||||||||
| Transaction-related costs(a) | 327 | - | - | - | 327 | - | - | - | 6,566 | 6,566 | 2,650 | - | - | - | 2,650 | |||||||||||||||
| Equity method investment loss (income)(b) | - | - | 16,552 | (92) | 16,460 | (120) | (613) | (258) | (568) | (1,559) | (301) | - | - | - | (301) | |||||||||||||||
| Other nonoperating expenses(c) | 492 | 521 | 4,678 | - | 5,691 | - | 1,019 | - | - | 1,019 | - | - | - | - | - | |||||||||||||||
| Intangible asset amortization | 2,014 | 2,013 | 2,014 | 2,014 | 8,055 | 2,014 | 2,013 | 2,014 | 1,249 | 7,290 | 1,250 | 1,250 | ||||||||||||||||||
| Stock-based compensation expense | 7,639 | 7,764 | 8,116 | 8,297 | 31,816 | 7,936 | 8,106 | 8,535 | 8,519 | 33,096 | 8,709 | - | - | - | 8,709 | |||||||||||||||
| Foreign currency transaction loss (gain) | 48 | 19 | 95 | 902 | 1,064 | 452 | (134) | (90) | (595) | (367) | 496 | - | - | - | 496 | |||||||||||||||
| Cumulative tax effect of adjustments | (2,642) | (2,590) | (6,949) | (2,608) | (14,789) | (2,488) | (488) | (1,692) | (2,860) | (7,528) | (1,971) | (1,971) | ||||||||||||||||||
| Lease termination and cease-use loss(d) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||
| Regulatory settlement(e) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |||||||||||||||
| Adjusted earnings | $ 56,306 | $ 61,638 | $ 67,920 | $ 72,208 | $ 258,072 | $ 80,739 | $ 86,052 | $ 88,823 | $ 91,292 | $ 346,906 | $ 101,932 | $ - | $ - | $ - | $ 101,932 | |||||||||||||||
| Diluted earnings per share | $ 1.64 | $ 1.93 | $ 1.57 | $ 2.30 | $ 7.43 | $ 2.69 | $ 2.86 | $ 3.03 | $ 3.00 | $ 11.52 | $ 3.46 | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | $ 3.46 | |||||||||||||||
| Adjusted earnings per share | $ 1.91 | $ 2.21 | $ 2.45 | $ 2.61 | $ 9.15 | $ 2.98 | $ 3.23 | $ 3.36 | $ 3.46 | $ 12.96 | $ 3.87 | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | $ 3.87 | |||||||||||||||
| (a) In the first quarter of 2026 and the fourth quarter of 2025, the Company recorded 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 costs related to a consent solicitation for the Senior Notes due 2025. | ||||||||||||||||||||||||||||||
| (b) In the third quarter of 2024, the Company recorded a write-down of its investment in Linear. | ||||||||||||||||||||||||||||||
| (c) In the second quarter of 2025 and the first, second and third quarters of 2024, the Company recorded losses on early extinguishment of debt related to the repayment of debt. |
&"-,Bold"Enova International, Inc. Adjusted Earnings (Unaudited) &8(Dollars in thousands) &G
FV Metrics - Consumer
| 2024 | 2025 | 2026 | ||||||||||||||||||||||
| Consumer loans and finance receivables: | First | Second | Third | Fourth | First | Second | Third | Fourth | First | Second | Third | Fourth | ||||||||||||
| Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | |||||||||||||
| Total combined loan and finance receivable principal(b) | $ 1,117,144 | $ 1,189,214 | $ 1,284,322 | $ 1,373,873 | $ 1,341,581 | $ 1,391,827 | $ 1,413,912 | $ 1,465,594 | $ 1,452,170 | |||||||||||||||
| Ending combined loan and finance receivable fair value balance(b) | 1,361,938 | 1,439,098 | 1,552,280 | 1,667,721 | 1,637,562 | 1,692,113 | 1,719,211 | 1,790,617 | 1,784,477 | |||||||||||||||
| Fair value as a % of principal(a)(b) | 121.9% | 121.0% | 120.9% | 121.4% | 122.1% | 121.6% | 121.6% | 122.2% | 122.9% | -% | -% | -% | ||||||||||||
| Ending combined loan and finance receivable balance, including principal and accrued fees/interest outstanding(b) | $ 1,221,597 | $ 1,300,696 | $ 1,412,679 | $ 1,506,796 | $ 1,467,465 | $ 1,522,172 | $ 1,546,739 | $ 1,596,112 | $ 1,578,923 | |||||||||||||||
| Average combined loan and finance receivable balance(b)(c) | $ 1,257,633 | $ 1,258,576 | $ 1,363,871 | $ 1,451,409 | $ 1,497,514 | $ 1,485,695 | $ 1,545,673 | $ 1,548,295 | $ 1,592,989 | |||||||||||||||
| Revenue | 364,731 | 367,558 | 410,884 | 433,648 | 430,825 | 428,311 | 443,413 | 445,565 | 445,807 | - | - | - | ||||||||||||
| Change in fair value | (182,979) | (164,011) | (203,647) | (212,947) | (217,057) | (215,393) | (246,789) | (225,915) | (215,541) | |||||||||||||||
| Net revenue | 181,752 | 203,547 | 207,237 | 220,701 | 213,768 | 212,918 | 196,624 | 219,650 | 230,266 | - | - | - | ||||||||||||
| Net revenue margin | 49.8% | 55.4% | 50.4% | 50.9% | 49.6% | 49.7% | 44.3% | 49.3% | 51.7% | -% | -% | -% | ||||||||||||
| Delinquencies: | ||||||||||||||||||||||||
| >30 days delinquent | $ 84,137 | $ 82,169 | $ 123,369 | $ 123,442 | $ 120,598 | $ 121,333 | $ 142,240 | $ 124,894 | $ 125,290 | |||||||||||||||
| >30 days delinquent as a % of combined loan and finance receivable balance(a)(b) | 6.9% | 6.3% | 8.7% | 8.2% | 8.2% | 8.0% | 9.2% | 7.8% | 7.9% | -% | -% | -% | ||||||||||||
| Charge-offs: | ||||||||||||||||||||||||
| Charge-offs (net of recoveries) | $ 187,419 | $ 161,171 | $ 203,588 | $ 233,139 | $ 227,785 | $ 215,004 | $ 249,545 | $ 247,598 | $ 227,637 | |||||||||||||||
| Charge-offs (net recoveries) as a % of average combined loan and finance receivable balance(b)(c) | 14.9% | 12.8% | 14.9% | 16.1% | 15.2% | 14.5% | 16.1% | 16.0% | 14.3% | -% | -% | -% | ||||||||||||
| (a) Amounts as a % of loan balance are determined using period-end balances. | ||||||||||||||||||||||||
| (b) Non-GAAP measure. | ||||||||||||||||||||||||
| (c) The average combined loan and finance receivable balance is the average of the month-end balances during the period. |
&"-,Bold"Enova International, Inc. Fair Value Metrics - Consumer (Unaudited) &8(Dollars in thousands) &G
FV Metrics- Small Business
| 2024 | 2025 | 2026 | ||||||||||||||||||||||
| Small business loans and finance receivables: | First | Second | Third | Fourth | First | Second | Third | Fourth | First | Second | Third | Fourth | ||||||||||||
| Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | |||||||||||||
| Total principal | $ 2,192,066 | $ 2,246,925 | $ 2,327,336 | $ 2,456,430 | $ 2,637,651 | $ 2,766,048 | $ 2,948,290 | $ 3,301,076 | $ 3,661,184 | |||||||||||||||
| Ending fair value balance | 2,448,045 | 2,517,345 | 2,607,606 | 2,747,137 | 2,953,482 | 3,104,979 | 3,318,014 | 3,707,075 | 4,109,405 | |||||||||||||||
| Fair value as a % of principal(a) | 111.7% | 112.0% | 112.0% | 111.8% | 112.0% | 112.3% | 112.5% | 112.3% | 112.2% | -% | -% | -% | ||||||||||||
| Ending loan and finance receivable balance, including principal and accrued fees/interest outstanding | $ 2,229,917 | $ 2,283,971 | $ 2,351,885 | $ 2,483,516 | $ 2,667,734 | $ 2,796,517 | $ 2,974,371 | $ 3,328,524 | $ 3,696,655 | |||||||||||||||
| Average loan and finance receivable balance(b) | $ 2,133,422 | $ 2,240,893 | $ 2,313,142 | $ 2,412,795 | $ 2,591,661 | $ 2,734,474 | $ 2,882,684 | $ 3,157,860 | $ 3,547,257 | |||||||||||||||
| Revenue | 236,477 | 251,782 | 269,454 | 285,762 | 304,596 | 326,266 | 348,310 | 383,015 | 417,500 | - | - | - | ||||||||||||
| Change in fair value | (79,127) | (91,969) | (83,390) | (101,144) | (100,423) | (105,163) | (93,083) | (109,568) | (128,759) | - | - | - | ||||||||||||
| Net revenue | 157,350 | 159,813 | 186,064 | 184,618 | 204,173 | 221,103 | 255,227 | 273,447 | 288,741 | - | - | - | ||||||||||||
| Net revenue margin | 66.5% | 63.5% | 69.1% | 64.6% | 67.0% | 67.8% | 73.3% | 71.4% | 69.2% | -% | -% | -% | ||||||||||||
| Delinquencies: | ||||||||||||||||||||||||
| >30 days delinquent | $ 195,522 | $ 185,884 | $ 170,470 | $ 174,390 | $ 197,758 | $ 184,250 | $ 185,147 | $ 207,270 | $ 262,974 | |||||||||||||||
| >30 days delinquent as a % of loan and finance receivable balance(a) | 8.8% | 8.1% | 7.2% | 7.0% | 7.4% | 6.6% | 6.2% | 6.2% | 7.1% | -% | -% | -% | ||||||||||||
| Charge-offs: | ||||||||||||||||||||||||
| Charge-offs (net of recoveries) | $ 99,279 | $ 107,215 | $ 105,737 | $ 109,044 | $ 122,551 | $ 127,876 | $ 128,266 | $ 144,477 | $ 162,957 | |||||||||||||||
| Charge-offs (net recoveries) as a % of average loan and finance receivable balance(b) | 4.7% | 4.8% | 4.6% | 4.5% | 4.7% | 4.7% | 4.4% | 4.6% | 4.6% | -% | -% | -% | ||||||||||||
| (a) Amounts as a % of loan and finance receivable balance are determined using period-end balances. | ||||||||||||||||||||||||
| (b) The average loan and finance receivable balance is the average of the month-end balances during the period. |
&"-,Bold"Enova International, Inc. Fair Value Metrics - Small Business (Unaudited) &8(Dollars in thousands) &G
Revenue by Product
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Consumer loans and finance receivables | $ 364,731 | $ 367,558 | $ 410,884 | $ 433,648 | $ 1,576,821 | $ 430,825 | $ 428,311 | $ 443,413 | $ 445,565 | $ 1,748,114 | $ 445,807 | $ - | $ - | $ - | $ 445,807 | |||||||||||||||
| Small business loans and finance receivables | 236,477 | 251,782 | 269,454 | 285,762 | 1,043,475 | 304,596 | 326,266 | 348,310 | 383,015 | 1,362,187 | 417,500 | - | - | - | 417,500 | |||||||||||||||
| Total loans and finance receivables revenue | 601,208 | 619,340 | 680,338 | 719,410 | 2,620,296 | 735,421 | 754,577 | 791,723 | 828,580 | 3,110,301 | 863,307 | - | - | - | 863,307 | |||||||||||||||
| Other | 8,681 | 9,096 | 9,586 | 10,141 | 37,504 | 10,120 | 9,466 | 10,955 | 10,811 | 41,352 | 11,835 | - | - | - | 11,835 | |||||||||||||||
| Total revenue | $ 609,889 | $ 628,436 | $ 689,924 | $ 729,551 | $ 2,657,800 | $ 745,541 | $ 764,043 | $ 802,678 | $ 839,391 | $ 3,151,653 | $ 875,142 | $ - | $ - | $ - | $ 875,142 | |||||||||||||||
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Consumer loans and finance receivables | 59.8% | 58.5% | 59.6% | 59.4% | 59.3% | 57.8% | 56.1% | 55.2% | 53.1% | 55.5% | 50.9% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 50.9% | |||||||||||||||
| Small business loans and finance receivables | 38.8% | 40.1% | 39.0% | 39.2% | 39.3% | 40.8% | 42.7% | 43.4% | 45.6% | 43.2% | 47.7% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 47.8% | |||||||||||||||
| Total loans and finance receivables revenue | 98.6% | 98.6% | 98.6% | 98.6% | 98.6% | 98.6% | 98.8% | 98.6% | 98.7% | 98.7% | 98.6% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 98.6% | |||||||||||||||
| Other | 1.4% | 1.4% | 1.4% | 1.4% | 1.4% | 1.4% | 1.2% | 1.4% | 1.3% | 1.3% | 1.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 1.4% | |||||||||||||||
| Total revenue | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 100.0% |
&"-,Bold"Enova International, Inc. Revenue by Product (Unaudited) &8(Dollars in thousands) &G
Income from Ops by Function
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Domestic & International | ||||||||||||||||||||||||||||||
| Revenue | $ 609,889 | $ 628,436 | $ 689,924 | $ 729,551 | $ 2,657,800 | $ 745,541 | $ 764,043 | $ 802,678 | $ 839,391 | $ 3,151,653 | $ 875,142 | $ - | $ - | $ - | $ 875,142 | |||||||||||||||
| Change in Fair Value | (262,106) | (255,980) | (287,037) | (314,091) | (1,119,214) | (317,480) | (320,556) | (339,872) | (335,483) | (1,313,391) | (344,300) | - | - | - | (344,300) | |||||||||||||||
| Cost of Revenue | (1,917) | (2,265) | (2,531) | (2,424) | (9,137) | (1,879) | (2,029) | (2,099) | (2,014) | (8,021) | (1,883) | - | - | - | (1,883) | |||||||||||||||
| Net Revenue | $ 345,866 | $ 370,191 | $ 400,356 | $ 413,036 | $ 1,529,449 | $ 426,182 | $ 441,458 | $ 460,707 | $ 501,894 | $ 1,830,241 | $ 528,959 | $ - | $ - | $ - | $ 528,959 | |||||||||||||||
| Net Revenue Margin | 56.7% | 58.9% | 58.0% | 56.6% | 57.5% | 57.2% | 57.8% | 57.4% | 59.8% | 58.1% | 60.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 60.4% | |||||||||||||||
| Total Operating Expenses Excluding Depreciation and Amortization | $ 160,282 | $ 173,820 | $ 192,417 | $ 205,091 | $ 731,610 | $ 197,483 | $ 202,391 | $ 206,610 | $ 254,782 | $ 861,266 | $ 259,494 | $ - | $ - | $ - | $ 259,494 | |||||||||||||||
| Depreciation and Amortization | 6,396 | 5,778 | 6,000 | 6,097 | 24,271 | 5,988 | 6,064 | 6,425 | 5,518 | 23,995 | 5,536 | - | - | - | 5,536 | |||||||||||||||
| Income from Operations | $ 179,188 | $ 190,593 | $ 201,939 | $ 201,848 | $ 773,568 | $ 222,711 | $ 233,003 | $ 247,672 | $ 241,594 | $ 944,980 | $ 263,929 | $ - | $ - | $ - | $ 263,929 | |||||||||||||||
| Corporate Services | ||||||||||||||||||||||||||||||
| Total Operating Expenses Excluding Depreciation and Amortization | $ 44,529 | $ 41,606 | $ 44,186 | $ 42,553 | $ 172,874 | $ 46,734 | $ 44,613 | $ 44,966 | $ 51,399 | $ 187,712 | $ 53,450 | $ 53,450 | ||||||||||||||||||
| Depreciation and Amortization | 3,867 | 3,931 | 4,039 | 4,099 | 15,936 | 4,073 | 4,284 | 5,931 | 3,548 | 17,836 | 3,373 | 3,373 | ||||||||||||||||||
| Income from Operations | $ (48,396) | $ (45,537) | $ (48,225) | $ (46,652) | $ (188,810) | $ (50,807) | $ (48,897) | $ (50,897) | $ (54,947) | $ (205,548) | $ (56,823) | $ - | $ - | $ - | $ (56,823) | |||||||||||||||
| Total | ||||||||||||||||||||||||||||||
| Revenue | $ 609,889 | $ 628,436 | $ 689,924 | $ 729,551 | $ 2,657,800 | $ 745,541 | $ 764,043 | $ 802,678 | $ 839,391 | $ 3,151,653 | $ 875,142 | $ - | $ - | $ - | $ 875,142 | |||||||||||||||
| Change in Fair Value | (262,106) | (255,980) | (287,037) | (314,091) | (1,119,214) | (317,480) | (320,556) | (339,872) | (335,483) | (1,313,391) | (344,300) | - | - | - | (344,300) | |||||||||||||||
| Cost of Revenue | (1,917) | (2,265) | (2,531) | (2,424) | (9,137) | (1,879) | (2,029) | (2,099) | (2,014) | (8,021) | (1,883) | - | - | - | (1,883) | |||||||||||||||
| Net Revenue | $ 345,866 | $ 370,191 | $ 400,356 | $ 413,036 | $ 1,529,449 | $ 426,182 | $ 441,458 | $ 460,707 | $ 501,894 | $ 1,830,241 | $ 528,959 | $ - | $ - | $ - | $ 528,959 | |||||||||||||||
| Net Revenue Margin | 56.7% | 58.9% | 58.0% | 56.6% | 57.5% | 57.2% | 57.8% | 57.4% | 59.8% | 58.1% | 60.4% | ERROR:#DIV/0! | ERROR:#DIV/0! | ERROR:#DIV/0! | 60.4% | |||||||||||||||
| Total Operating Expenses Excluding Depreciation and Amortization | $ 204,811 | $ 215,426 | $ 236,603 | $ 247,644 | $ 904,484 | $ 244,217 | $ 247,004 | $ 251,576 | $ 306,181 | $ 1,048,978 | $ 312,944 | $ - | $ - | $ - | $ 312,944 | |||||||||||||||
| Depreciation and Amortization | 10,263 | 9,709 | 10,039 | 10,196 | 40,207 | 10,061 | 10,348 | 12,356 | 9,066 | 41,831 | 8,909 | - | - | - | 8,909 | |||||||||||||||
| Income from Operations | $ 130,792 | $ 145,056 | $ 153,714 | $ 155,196 | $ 584,758 | $ 171,904 | $ 184,106 | $ 196,775 | $ 186,647 | $ 739,432 | $ 207,106 | $ - | $ - | $ - | $ 207,106 |
&"-,Bold"Enova International, Inc. Income from Operations by Geography (Unaudited) &8(Dollars in thousands) &G
Loan Balance Recon
| 2024 | 2025 | 2026 | ||||||||||||||||||||||
| First | Second | Third | Fourth | First | Second | Third | Fourth | First | Second | Third | Fourth | |||||||||||||
| Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | |||||||||||||
| Consumer loan and finance receivable balances, gross: | ||||||||||||||||||||||||
| Company owned | $ 1,208,551 | $ 1,285,755 | $ 1,390,882 | $ 1,482,970 | $ 1,449,511 | $ 1,502,158 | $ 1,525,989 | $ 1,573,763 | $ 1,561,056 | $ - | $ - | $ - | ||||||||||||
| Guaranteed by the Company | 13,046 | 14,941 | 21,797 | 23,826 | 17,954 | 20,014 | 20,750 | 22,349 | 17,867 | |||||||||||||||
| Combined | $ 1,221,597 | $ 1,300,696 | $ 1,412,679 | $ 1,506,796 | $ 1,467,465 | $ 1,522,172 | $ 1,546,739 | $ 1,596,112 | $ 1,578,923 | $ - | $ - | $ - | ||||||||||||
| Small business loan and finance receivable balances, gross: | ||||||||||||||||||||||||
| Company owned | $ 2,229,917 | $ 2,283,971 | $ 2,351,885 | $ 2,483,516 | $ 2,667,734 | $ 2,796,517 | $ 2,974,371 | $ 3,328,524 | $ 3,696,655 | $ - | $ - | $ - | ||||||||||||
| Guaranteed by the Company | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||
| Combined | $ 2,229,917 | $ 2,283,971 | $ 2,351,885 | $ 2,483,516 | $ 2,667,734 | $ 2,796,517 | $ 2,974,371 | $ 3,328,524 | $ 3,696,655 | $ - | $ - | $ - | ||||||||||||
| Receivables purchase agreement balances, gross: | ||||||||||||||||||||||||
| Company owned | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | ||||||||||||
| Guaranteed by the Company | - | - | - | - | - | - | - | - | - | - | - | - | ||||||||||||
| Combined | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | $ - | ||||||||||||
| Total loan and finance receivable balances, gross: | ||||||||||||||||||||||||
| Company owned | $ 3,438,468 | $ 3,569,726 | $ 3,742,767 | $ 3,966,486 | $ 4,117,245 | $ 4,298,675 | $ 4,500,360 | $ 4,902,287 | $ 5,257,711 | $ - | $ - | $ - | ||||||||||||
| Guaranteed by the Company | 13,046 | 14,941 | 21,797 | 23,826 | 17,954 | 20,014 | 20,750 | 22,349 | 17,867 | - | - | - | ||||||||||||
| Combined | $ 3,451,514 | $ 3,584,667 | $ 3,764,564 | $ 3,990,312 | $ 4,135,199 | $ 4,318,689 | $ 4,521,110 | $ 4,924,636 | $ 5,275,578 | $ - | $ - | $ - |
&"-,Bold"Enova International, Inc. Reconciliation of GAAP to Non-GAAP Financial Measures - Combined Loan and Finance Receivable Balances (Unaudited) &8(Dollars in thousands) &G
Comb Originations & Balances
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Total | First | Second | Third | Fourth | Year to | ||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Year | Quarter | Quarter | Quarter | Quarter | Date | ||||||||||||||||
| Combined loan and finance receivable originations | ||||||||||||||||||||||||||||||
| Consumer: | ||||||||||||||||||||||||||||||
| Installment loans | $ 115,930 | $ 127,958 | $ 156,294 | $ 168,783 | $ 568,965 | $ 139,491 | $ 162,752 | $ 212,170 | $ 211,866 | $ 726,279 | $ 177,972 | $ 177,972 | ||||||||||||||||||
| Line of credit accounts | 301,502 | 362,682 | 412,797 | 432,951 | 1,509,932 | 368,754 | 401,462 | 377,395 | 400,839 | 1,548,450 | 381,420 | 381,420 | ||||||||||||||||||
| Total consumer | 417,432 | 490,640 | 569,091 | 601,734 | 2,078,897 | 508,245 | 564,214 | 589,565 | 612,705 | 2,274,729 | 559,392 | - | - | - | 559,392 | |||||||||||||||
| Small business | 959,935 | 918,014 | 1,044,829 | 1,113,185 | 4,035,963 | 1,221,234 | 1,238,835 | 1,371,874 | 1,643,237 | 5,475,180 | 1,733,785 | 1,733,785 | ||||||||||||||||||
| Total combined originations | $ 1,377,367 | $ 1,408,654 | $ 1,613,920 | $ 1,714,919 | $ 6,114,860 | $ 1,729,479 | $ 1,803,049 | $ 1,961,439 | $ 2,255,942 | $ 7,749,909 | $ 2,293,177 | $ - | $ - | $ - | $ 2,293,177 | |||||||||||||||
| 2024 | 2025 | 2026 | ||||||||||||||||||||||||||||
| First | Second | Third | Fourth | First | Second | Third | Fourth | First | Second | Third | Fourth | |||||||||||||||||||
| Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | Quarter | |||||||||||||||||||
| Combined loan and finance receivable balances, gross | ||||||||||||||||||||||||||||||
| Consumer: | ||||||||||||||||||||||||||||||
| Installment loans | $ 490,923 | $ 491,446 | $ 513,063 | $ 530,612 | $ 523,281 | $ 539,127 | $ 578,580 | $ 611,627 | $ 609,822 | |||||||||||||||||||||
| Line of credit accounts | 730,674 | 809,250 | 899,616 | 976,184 | 944,184 | 983,045 | 968,159 | 984,485 | 969,101 | |||||||||||||||||||||
| Total consumer | 1,221,597 | 1,300,696 | 1,412,679 | 1,506,796 | 1,467,465 | 1,522,172 | 1,546,739 | 1,596,112 | 1,578,923 | - | - | - | ||||||||||||||||||
| Small business | 2,229,917 | 2,283,971 | 2,351,885 | 2,483,516 | 2,667,734 | 2,796,517 | 2,974,371 | 3,328,524 | 3,696,655 | |||||||||||||||||||||
| Total combined loan and finance receivable balances, gross: | $ 3,451,514 | $ 3,584,667 | $ 3,764,564 | $ 3,990,312 | $ 4,135,199 | $ 4,318,689 | $ 4,521,110 | $ 4,924,636 | $ 5,275,578 | $ - | $ - | $ - |
&"-,Bold"Enova International, Inc. Combined Originations and Loan and Finance Receivables Balances by Product and Customer Group (Unaudited) &8(Dollars in thousands) &G
Enova International Inc. published this content on April 14, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 23, 2026 at 20:17 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]