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Sep 30, 2025
Enova Q3 2025 Earnings Report
Delivered strong growth in revenue, earnings, and loan originations compared to the prior year.
Key Takeaways
Enova reported a 16% year-over-year increase in total revenue and strong profitability gains for Q3 2025. The company achieved record originations and continued solid credit performance, with adjusted EPS up 37% and net charge-offs stable. Liquidity remained robust at $1.2 billion.
Total revenue rose 16% year-over-year to $803 million.
Adjusted EPS increased 37% to $3.36, while diluted EPS grew 93% to $3.03.
Net charge-offs were 8.5% and 30+ day delinquencies improved to 7.2%.
Total originations reached $2.0 billion, up 22% from Q3 2024.
Revenue by Segment
Forward Guidance
Enova expects continued revenue and earnings growth supported by strong loan demand, disciplined credit management, and technology-driven efficiencies.
Positive Outlook
- Strong demand across SMB and consumer segments.
- Solid credit performance expected to continue.
- Ongoing investment in machine learning and analytics.
- Sustained originations and receivable growth momentum.
- Strong liquidity and balance sheet flexibility.
Challenges Ahead
- Potential macroeconomic headwinds may pressure demand.
- Interest rate environment could affect borrowing costs.
- Higher operating expenses due to growth investments.
- Regulatory changes remain a risk factor.
- Credit normalization may modestly impact margins.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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