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Jun 30, 2025
Enova Q2 2025 Earnings Report
Enova delivered strong Q2 2025 results with solid revenue growth and improved profitability.
Key Takeaways
Enova posted robust second-quarter results with revenue up 22% year-over-year, strong originations growth, and improved profitability, while maintaining stable credit performance and liquidity.
Revenue rose to $764M, up 22% year-over-year
Net income grew to $76.1M, with EPS of $2.86
Adjusted EBITDA reached $203M, up 25% year-over-year
Originations increased 28% to $1.8B with stable credit metrics
Revenue by Segment
Forward Guidance
Enova expects continued growth in revenue and originations while maintaining stable credit performance through the remainder of 2025.
Positive Outlook
- Strong demand driving originations growth
- Stable credit performance with low delinquency rates
- Solid liquidity position of $1.1B including cash and facilities
- Share repurchases continue to enhance shareholder value
- Advanced analytics and diversified product offerings support growth
Challenges Ahead
- Net revenue margin slightly declined from prior year
- Charge-offs increased year-over-year due to portfolio growth
- Macroeconomic uncertainties may impact credit performance
- Interest expense increased due to higher debt levels
Historical Earnings Impact
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Avg. Return Before/After Earnings
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