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Dec 31, 2025
Enova Q4 2025 Earnings Report
Enova reported strong financial performance in the fourth quarter of 2025, driven by significant growth in originations and solid credit across its portfolio.
Key Takeaways
Enova International delivered exceptional fourth-quarter results, with originations rising 32% and total company revenue increasing 15% from the fourth quarter of 2024. Diluted earnings per share grew 30% to $3.00, and adjusted earnings per share increased 33% to $3.46. The company maintained strong credit performance with a net charge-off ratio of 8.3% and a net revenue margin of 60%.
Originations increased by 32% and total company revenue grew by 15% compared to Q4 2024.
Diluted EPS rose 30% to $3.00, and adjusted EPS increased 33% to $3.46.
Consolidated credit performance remained strong with an 8.3% net charge-off ratio and 60% net revenue margin.
Total company combined loans and finance receivables reached a record $4.9 billion, up 23% from Q4 2024.
Revenue by Segment
Forward Guidance
Enova anticipates continued sustainable and profitable growth in 2026, bolstered by its balanced growth strategy and the upcoming acquisition of Grasshopper Bancorp, Inc., which is expected to close in the second half of 2026.
Positive Outlook
- Balanced growth strategy expected to deliver sustainable and profitable growth.
- Commitment to driving long-term shareholder value.
- Acquisition of Grasshopper Bancorp, Inc. expected to close in H2 2026.
- Grasshopper acquisition will unite sophisticated online lending with digital banking capabilities.
- National bank charter will enable service in more states and offer a comprehensive suite of financial products.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- Potential integration risks associated with the Grasshopper Bancorp acquisition.
- Market and economic conditions could impact future performance.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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