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Enova Q1 2025 Earnings Report
Enova International, Inc. reported strong financial results for the first quarter of 2025, with significant increases in revenue, earnings per share, and adjusted EBITDA.
Key Takeaways
Enova International delivered a strong first quarter in 2025, with total revenue increasing by 22% to $746 million and diluted earnings per share rising by 64% to $2.69. Adjusted EBITDA also saw a substantial increase of 27% to $190 million, reflecting solid demand and stable credit performance across its products.
Originations increased by 26% and total company revenue grew by 22% from the first quarter of 2024.
Diluted earnings per share rose by 64% to $2.69, and adjusted earnings per share increased by 56% to $2.98.
Credit performance remained strong with a stable net charge-off ratio of 8.6% and a net revenue margin of 57%.
Total company combined loans and finance receivables reached a record $4.1 billion, up 20% from the end of the first quarter of 2024.
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CapyFin.com Forward Guidance
Enova is confident in its ability to adapt to the operating environment and deliver profitable growth while managing risk, despite recent volatility in financial markets.
Positive Outlook
- Solid demand and stable credit across products.
- Continued strength of consumer and small business customers benefiting from a strong labor market and wage growth.
- Balanced growth strategy.
- Diversified product offerings and flexible online-only model.
- World-class risk management capabilities and experienced team.
Challenges Ahead
- Recent volatility in the financial markets.
- Questions about the direction of the economy.
- Potential for increased competition.
- Regulatory changes could impact operations.
- Economic downturns could affect customer repayment ability.