Loading...
•
Sep 30
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.
Enova
Enova
Enova Revenue by Segment
Revenue by Segment
Company Owned Revenue
CapyFin.com 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.