{"filings":[{"id":3099679,"accession_number":"0001193125-26-402851","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-09-25T20:15:15+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Enova unit ODAS IV issues $500M Series 2026-1 ABS notes at 6.22% weighted average coupon","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["OnDeck Asset Securitization IV issued $500,026,000 of Series 2026-1 notes on September 25, 2026, its sixth series, backed by a ~$526 million small business loan pool.","Class A $235,275,000 at 5.61%; Class B $114,637,000 at 6.05%; Class C $94,742,000 at 6.73%; Class D $55,372,000 at 8.28%; weighted average coupon 6.22%.","Revolving period ends September 2028; optional prepayment begins October 2027; final maturity October 2032 for all four classes.","Proceeds bought small business loans from OnDeck, which acts as servicer; the ODAS IV structure is bankruptcy-remote with no direct recourse to Enova.","Notes were placed privately under Rule 144A and Regulation S and were rated by Kroll Bond Rating Agency on the issue date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2934840,"accession_number":"0001193125-26-394356","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-09-17T20:15:15+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova subsidiary amends existing $535M receivables facility","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total facility commitments $535M: $400M Class A at SOFR+2.75%, $135M Class B at SOFR+8.50%.","Revolving period ends March 2028; maturity March 2029; advance rates 65.5% (A) and 87.5% (B).","Amendment involves lenders, backup servicer Vervent, Deutsche Bank Trust Company Americas as paying agent, Atlas Securitized Products as admin agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2882716,"accession_number":"0001193125-26-392151","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-09-15T21:21:27+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova offers $500M ABS notes backed by OnDeck small business loans","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500,026,000 Series 2026-1 fixed-rate ABS notes; Class A 5.61% to Class D 8.28%; closing expected Sept 25, 2026.","Notes rated by KBRA: Class A AA(sf), B A-(sf), C BBB-(sf), D BB(sf); collateral: OnDeck small business loans.","Proceeds purchase small business loans from OnDeck and fund reserve account; OnDeck remains servicer.","Term loan annualized net charge-off rate 10.94% as of 7/31/2026; line of credit rate 12.01%.","Term loans 60+ DPD $69.8M (4.0% of UPB) at 7/31/2026 vs $64.6M at 12/31/2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2853237,"accession_number":"0001193125-26-390599","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-09-14T20:15:15+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova withdraws Grasshopper acquisition; reaffirms 2026 guidance, plans buybacks","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Withdrew OCC and Federal Reserve applications for Grasshopper Bancorp acquisition; cites unclear nonbank-to-bank standards.","Reaffirms Q3 2026: revenue growth ~25% YoY, adjusted EPS growth ~30% YoY.","Reaffirms FY2026: revenue growth 20-25%, adjusted EPS growth 30-35% YoY.","Intends to accelerate share repurchases; $218M available under note covenants, $349M under board authorization.","CEO Cunningham: future growth does not depend on becoming a bank; confident withdrawal is best for shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2769597,"accession_number":"0001193125-26-386483","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-09-09T20:20:15+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova proposes $500,026,000 asset-backed notes offering via OnDeck subsidiary","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Proposed private offering of $500,026,000 Series 2026-1 notes by OnDeck Asset Securitization IV, LLC.","Collateral: small business loans from ODK Capital, LLC; proceeds to buy loans and for general corporate purposes.","Notes not guaranteed by Enova or OnDeck; issuer is sole obligor.","Supplemental data: term loan 61+ DPD $69.8M (4.0% of UPB) as of 7/31/2026; line of credit 61+ DPD $40.7M (3.1% of UPB)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2409916,"accession_number":"0001193125-26-361123","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-08-21T20:16:14+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova's subsidiary issues $300.9M securitized notes backed by $316.7M consumer loan pool","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $300,886,000 in 2026-A Notes: $240.7M Class A (5.88%), $44.3M Class B (7.68%), $15.8M Class C (10.64%).","Collateral: ~$316.72M of unsecured consumer installment loans pledged to NetCredit Combined Receivables B, LLC.","Notes mature September 20, 2032; proceeds fund receivable purchase, reserve account, and transaction fees.","Issuer is wholly-owned Enova subsidiary; notes not guaranteed by Enova and sold via Rule 144A/Reg S.","Class A coupon 5.88%, Class B 7.68%, Class C 10.64% fixed interest."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2271958,"accession_number":"0001193125-26-352317","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-08-14T20:16:41+00:00","items":["1.01","2.03","8.01"],"status":"ready","headline":"Enova expands credit facility to $300M and prices $300.9M asset-backed notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["NC LOC 2024 facility revolving commitment increased from $200M to $300M; rate cut to SOFR+5.00%.","Revolving period extended to Feb 21, 2029; maturity extended to Feb 21, 2030.","Subsidiary priced $300.886M 2026-A notes: $240.709M Class A at 5.88%, $44.341M Class B at 7.68%, $15.836M Class C at 10.64%.","Notes backed by unsecured consumer installment loans; expected closing Aug 21, 2026; proceeds to acquire receivables and fund reserve.","Notes are obligations of issuer only, not guaranteed by Enova."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1829879,"accession_number":"0001193125-26-314134","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-07-23T20:16:13+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q2 2026 revenue up 22% to $929M; adj. EPS $4.31 (+33% YoY)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $929M (+22% YoY); net income $105M ($4.00 diluted EPS) vs $76M ($2.86) in Q2 2025.","Adjusted EPS $4.31 (+33% YoY); adjusted EBITDA $256M (+26%).","Originations rose 27% to $2.3B; combined loans and finance receivables record $5.5B (+28%).","Net charge-off ratio improved to 7.3%; net revenue margin improved to 61%.","Raised full-year outlook; repurchased $19M of stock in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1665876,"accession_number":"0001193125-26-304876","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K/A","filed_at":"2026-07-15T20:45:28+00:00","items":["5.02"],"status":"ready","headline":"Enova appoints Maria Veltre to Board's Management Development and Compensation Committee","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Maria Veltre elected to Enova Board effective July 10, 2026.","Also appointed to Management Development and Compensation Committee effective same date.","Amendment to original 8-K filed July 10, 2026 to disclose committee assignment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1580997,"accession_number":"0001193125-26-300931","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-07-10T20:16:14+00:00","items":["5.02","9.01"],"status":"ready","headline":"Enova appoints Maria Veltre to board; Goodyear and McGowan resign","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Maria Veltre, Operating Partner at Lightyear Capital, appointed to Enova board effective July 10, 2026.","William Goodyear and Mark McGowan resigned as directors effective July 10; resignations not due to any disagreement.","Board size reduced to ten directors following resignations; Veltre will stand for re-election at 2027 annual meeting.","Press release also references Enova's announced acquisition of Grasshopper Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1278956,"accession_number":"0001193125-26-283034","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-06-25T21:08:34+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova subsidiary amends ODR 2022 securitization facility to $420M with June 2029 maturity","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total facility commitment $420M ($338M Class A + $82M Class B); revolving period through June 2028, maturity June 2029.","Class A borrowing rate CP Rate + 2.35%, Class B SOFR + 7.50%; blended rate 3.36%.","Advance rates: Class A 71.25%, Class B 88.75% of eligible receivables.","Amendment effective June 25, 2026; Enova remains performance guarantor."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":68686,"accession_number":"0001193125-26-221703","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-05-13T20:20:17+00:00","items":["5.07"],"status":"ready","headline":"Enova stockholders elect 11 directors, approve executive compensation, ratify auditor at 2026 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected with votes for ranging from 19.5M to 20.4M; no director received less than 95% of votes cast.","Advisory vote on named executive officer compensation passed: 19.3M for, 0.9M against, 0.2M abstentions.","Ratification of Deloitte & Touche as auditor for FY 2026 approved: 22.7M for, 4.5K against, 111.8K abstentions.","Approximately 22.8M shares (91.5% of outstanding) represented at the meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93459,"accession_number":"0001193125-26-173746","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q1 revenue $875M (+17%), EPS $3.46 (+29%); Grasshopper Bank on track for H2 2026","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $875M (+17% YoY); net income $91M ($3.46 diluted EPS) vs $73M ($2.69) last year.","Adjusted EPS $3.87 (+30% YoY); adjusted EBITDA $227M (+20% YoY).","Total company originations $2.3B (+33% YoY); combined loans and receivables $5.3B (record).","Net charge-off ratio improved to 7.6%; net revenue margin 60% (up from 57%).","Grasshopper Bank acquisition expected to close H2 2026; liquidity $1.1B; $16M in buybacks."],"consensus_eps_estimate":3.7444,"consensus_eps_actual":3.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":875142000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93458,"accession_number":"0001193125-26-137956","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-04-01T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova increases borrowing capacity by $377M across four facility amendments","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["RAOD Facility: Class A revolver raised from $200M to $300M; Class B from $36.8M to $55.3M.","NCR 2022 Facility: revolving commitment increased from $200M to $275M.","NC LOC 2024 Facility: revolving commitment raised from $150M to $200M.","Headway Facility: Class A revolver increased from $365M to $465M; Class B from $122.6M to $156.2M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105099,"accession_number":"0001193125-26-024499","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2026-01-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q4 revenue +15% to $839M, EPS $3.00 (+30%), originations +32%, acquiring Grasshopper Bank","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $839M (+15% YoY); net income $79M; diluted EPS $3.00 (+30%); adj. EPS $3.46 (+33%).","Originations rose 32% to $2.3B; combined loans and finance receivables $4.9B (+23% YoY).","Net revenue margin improved to 60% vs 57% prior year; net charge-off ratio 8.3%; 30+ day delinquency 6.7%.","Repurchased $35M in common stock during Q4; total liquidity $1.1B at year-end 2025.","Announced acquisition of Grasshopper Bancorp (Grasshopper Bank) with national bank charter, expected close H2 2026."],"consensus_eps_estimate":3.2322,"consensus_eps_actual":11.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":3151653000.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105098,"accession_number":"0001193125-26-000953","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K/A","filed_at":"2026-01-02T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Enova discloses CEO, CFO, Executive Chairman compensation for Jan 1, 2026 transition","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Steve Cunningham (new CEO) gets $850K base salary, 135% target bonus, $5.1M equity award (600% of base).","Scott Cornelis (new CFO) gets $520K base salary, 85% target bonus, $1.04M equity award (200% of base).","David Fisher (Executive Chairman) gets $825K base salary, 130% target bonus, $4.29M equity award (520% of base).","Equity awards split equally between RSUs (4-year vest) and stock options (3-year vest).","Transition effective January 1, 2026, as previously announced on July 24, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121355,"accession_number":"0001193125-25-325071","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-12-18T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Enova amends Grasshopper merger: each stockholder to receive 50% cash, 50% stock, election provisions eliminated","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Amendment removes stockholder election to choose cash or stock; all holders get 50% cash and 50% stock.","Aggregate consideration unchanged; Cash Consideration set at $4.845 per share (subject to adjustment if shares exceed cap).","Grasshopper stock options will vest and be canceled for cash equal to spread over exercise price.","Maximum shares outstanding cap raised to 36,115,245 plus any exercised options/warrants."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121354,"accession_number":"0001193125-25-315025","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-12-11T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Enova to acquire Grasshopper Bancorp for ~$369M in cash/stock; close expected 2H 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Deal values Grasshopper at ~$369M; consideration is 50% cash, 50% Enova stock at $9.69 per share.","Grasshopper holds $1.4B assets and ~$3B deposits (Sept 30, 2025); offers digital banking and BaaS.","Transaction expected to generate >15% adjusted EPS accretion for Enova; enhances balance sheet flexibility.","Requires Grasshopper shareholder approval, OCC and Federal Reserve approvals; voting agreements cover 56.3% of shares.","Combined entity to offer broader lending and deposit products under national bank charter; Grasshopper CEO to become president of surviving bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121353,"accession_number":"0001193125-25-293725","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-11-24T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Enova amends ODR 2021-1 securitization facility to $246.7M total commitment","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total facility commitment $246.7M: Class A $193.33M, Class B $53.33M.","Class A borrowing rate CP Rate + 2.00%; Class B SOFR + 6.00%.","Revolving period through Nov 2027; maturity Nov 2028.","Amendment with JPMorgan Chase as administrative agent and Deutsche Bank as paying agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121352,"accession_number":"0001193125-25-280232","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-11-13T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Enova subsidiary issues $261.4M asset-backed notes in Series 2025-2 securitization","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Initial principal $261.4M across four classes; weighted avg fixed coupon 5.65%.","Class A $122.2M at 4.84%, Class B $58.8M at 5.23%, Class C $49.5M at 6.30%, Class D $31.0M at 8.58%.","Revolving period ends Oct 2028; optional prepayment from Dec 2027; final maturity Nov 2032.","Proceeds used to purchase small business loans from OnDeck; collateral pool ~$275M; Notes unregistered."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121351,"accession_number":"0001193125-25-277671","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Enova announces new $400M share repurchase program, replacing $300M program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized $400M share repurchase program, expiring June 30, 2027.","Replaces $300M program that was set to expire December 31, 2025.","CFO Steve Cunningham: largest buyback authorization in company's history.","Repurchases may be made in open market or private transactions; no obligation to buy.","Company cites strong balance sheet and liquidity supporting shareholder value commitment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121350,"accession_number":"0001193125-25-267254","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova subsidiary proposes $261M asset-backed notes securitization","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["OnDeck Asset Securitization IV, LLC plans to offer $261,434,000 in Series 2025-2 Fixed Rate Asset-Backed Notes.","Notes include four classes: A ($122M, 4.84%), B ($58.8M, 5.23%), C ($49.5M, 6.30%), D ($31M, 8.58%).","Expected KBRA ratings: AA(sf) for Class A, A-(sf) for B, BBB-(sf) for C, BB(sf) for D.","Closing anticipated on or about November 13, 2025; proceeds to purchase small business loans and fund reserve.","Notes are obligations of the issuer only, not guaranteed by Enova or OnDeck."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121349,"accession_number":"0001193125-25-257608","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova proposes $261.4M asset-backed notes offering for small business loans","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Enova's subsidiary OnDeck Asset Securitization IV, LLC plans to issue $261,434,000 in Series 2025-2 Fixed Rate Asset-Backed Notes.","Collateral will be a revolving pool of small business loans originated by ODK Capital, LLC (an Enova subsidiary).","Net proceeds will be used to purchase loans from OnDeck; Enova will use funds for general corporate purposes.","The notes are offered privately under Rule 144A and Regulation S; not registered under Securities Act.","Supplemental historic loan performance data (delinquencies, net charge-offs) furnished for potential investors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121348,"accession_number":"0001193125-25-248781","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q3 revenue up 16% to $803M; adjusted EPS $3.36 (+37% YoY); CEO succession announced","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $80M ($3.03 diluted EPS) vs $43M ($1.57) in Q3 2024; adjusted EPS $3.36.","Total company combined loans and finance receivables record $4.5B, originations $2.0B (+22% YoY).","Net charge-off ratio 8.5%, net revenue margin 57%; 30+ day delinquency improved to 7.2%.","Liquidity $1.2B; repurchased $38M of common stock during the quarter.","CEO David Fisher confirms Steve Cunningham will assume CEO role in January 2026."],"consensus_eps_estimate":3.0867,"consensus_eps_actual":8.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":2312262000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138008,"accession_number":"0000950170-25-112478","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-09-02T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova increases credit facility to $825M, extends maturity, reduces rate","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total commitment raised from $665M to $825M.","Maturity extended from June 30, 2026 to August 28, 2029.","Interest rate reduced: base rate +0.50% (from 0.75%) and SOFR +3.25% (from 3.50%).","Same financial maintenance covenants retained: minimum fixed charge coverage and max leverage ratios."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138007,"accession_number":"0000950170-25-098354","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q2 revenue up 22% to $764M, adj. EPS $3.23 (+46% YoY), originations up 28%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2025 total revenue $764M (+22% YoY); net income $76M ($2.86 diluted EPS) vs $54M ($1.93) in Q2 2024.","Adjusted EPS of $3.23 (+46% YoY); Adjusted EBITDA $203M (+25%) with net revenue margin 58%.","Originations rose 28% to $1.8B; total loans & finance receivables record $4.3B (+20% YoY).","Credit stable: net charge-off ratio 8.1%, 30+ day delinquency improved to 7.1%, portfolio fair value premium 115%.","Share repurchases $54M in Q2; liquidity $1.1B including cash and marketable securities and facility capacity."],"consensus_eps_estimate":3.0432,"consensus_eps_actual":5.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":1509584000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138006,"accession_number":"0000950170-25-098350","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Enova CEO David Fisher to become Executive Chairman; CFO Steve Cunningham to succeed as CEO on Jan 1, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David Fisher will transition from Chairman/CEO to Executive Chairman effective Jan 1, 2026, serving at least two years.","CFO Steve Cunningham appointed CEO effective Jan 1, 2026; elected to Board immediately on July 24, 2025.","Treasurer & VP of Finance Scott Cornelis named CFO effective Jan 1, 2026, leading treasury, FP&A and IR.","Cunningham joined Enova as CFO in 2016 from Discover; Cornelis joined as Treasurer in 2017.","Compensation terms for new roles to be disclosed in a future 8-K amendment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138005,"accession_number":"0000950170-25-096618","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova subsidiary enters $150M securitization facility with Banc of California","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["NetCredit LOC Receivables 2025, LLC signed $150M Loan & Security Agreement with Banc of California as admin agent.","Facility includes $125M Class A at SOFR+3.50% and $25M Class B at SOFR+8.00%; blended rate SOFR+4.25%.","Borrowing base advance rates: 75% for Class A, 90% for Class B (overall 90% of eligible receivables).","Revolving period ends July 17, 2027; final maturity July 17, 2028."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155400,"accession_number":"0000950170-25-079747","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-05-30T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova subsidiary issues $163.9M in securitization notes at 7.29% coupon, due 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $163.9M Class A notes, fixed 7.29% coupon, final maturity Oct 20, 2031.","Collateral pool of ~$193M unsecured consumer installment loans pledged.","Net proceeds used to acquire receivables from subsidiaries, fund reserve, pay fees.","Notes are obligations of issuer only, not guaranteed by Enova International.","Notes offered under Rule 144A/Reg S, not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155399,"accession_number":"0000950170-25-074378","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-05-19T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Enova prices $163.9M ABS notes at 7.29% backed by consumer loans","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Enova subsidiary NetCredit Combined Receivables A, LLC priced $163,866,000 of 2025-A Notes at 7.29% interest.","Notes are backed by a pool of unsecured consumer installment loans (approx. $193M of receivables).","Proceeds will acquire the receivables, fund a reserve account, and pay transaction fees; closing on or about May 30, 2025.","Notes are not guaranteed by Enova; offered only to QIBs and non-US persons under Rule 144A/Reg S."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155398,"accession_number":"0000950170-25-071451","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Enova stockholders elect all ten director nominees, approve say-on-pay and auditor at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors elected: votes for ranged from 18.77M (Feehan) to 20.15M (Corby); all ten elected.","Advisory say-on-pay passed with 19.44M for (96.5% of votes cast), 0.65M against.","Auditor ratification passed with 22.10M for (98.8% of votes cast), 0.28M against.","Annual Meeting held May 14, 2025; quorum of 22.44M shares (87.6% of outstanding) present."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155397,"accession_number":"0000950170-25-060152","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q1 revenue $746M (+22%), EPS $2.69 (+64%), originations +26%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $2.69 (+64% YoY); adjusted EPS $2.98 (+56% YoY).","Total revenue $746M (+22% YoY); net revenue margin stable at 57%.","Originations $1.7B (+26% YoY); combined loans & finance receivables record $4.1B (+20% YoY).","Net charge-off ratio stable at 8.6%; 30+ day delinquency improved to 7.7%.","Share repurchases $63M in Q1; liquidity $1.1B including cash, marketable securities & facility capacity."],"consensus_eps_estimate":null,"consensus_eps_actual":2.69,"consensus_revenue_estimate":null,"consensus_revenue_actual":745541000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173912,"accession_number":"0000950170-25-042685","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Enova subsidiary issues $261M in asset-backed notes across four classes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Series 2025-1 Notes: $126.8M Class A (5.08%), $57.8M Class B (5.52%), $45.5M Class C (6.64%), $31.2M Class D (8.77%).","Weighted average fixed coupon 5.89% per annum; portfolio of pledged loans ~$275M.","Proceeds used to purchase small business loans from OnDeck for general corporate purposes.","Revolving period ends March 2028; final maturity April 2032; notes are bankruptcy-remote with no recourse to Enova.","Notes offered under Rule 144A/Reg S, not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173911,"accession_number":"0000950170-25-038626","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-03-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova subsidiary to offer $261.4M in asset-backed notes (Series 2025-1)","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["OnDeck Asset Securitization IV, LLC plans to issue $261,392,000 in Series 2025-1 Fixed Rate Asset-Backed Notes.","Notes split into four tranches: Class A ($126.8M, 5.08%), B ($57.8M, 5.52%), C ($45.5M, 6.64%), D ($31.2M, 8.77%).","Expected KBRA ratings: AA(sf) for Class A, A-(sf) for B, BBB-(sf) for C, BB(sf) for D.","Closing expected on or about March 20, 2025; notes legal final payment April 19, 2032.","Proceeds will fund purchase of small business loans from OnDeck and a reserve account; notes not guaranteed by Enova."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173910,"accession_number":"0000950170-25-035162","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-03-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova subsidiary proposes $261M Series 2025-1 asset-backed notes offering","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["OnDeck Asset Securitization IV, LLC plans to issue $261,392,000 in Series 2025-1 Fixed Rate Asset-Backed Notes.","Collateral consists of a revolving pool of small business loans originated by ODK Capital, LLC (OnDeck).","Proceeds will be used to purchase small business loans from OnDeck; Enova gets cash for general corporate purposes.","Notes are not guaranteed by Enova or OnDeck; offered under Rule 144A and Regulation S only.","Historical loan delinquency and net charge-off data for qualifying loans furnished as Exhibit 99.1."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":173909,"accession_number":"0000950170-25-013461","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2025-02-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q4 revenue $730M +25% YoY; adjusted EPS $2.61 +43%; portfolio hits $4B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 total revenue $730M (+25% YoY); diluted EPS $2.30 (+104%); adjusted EPS $2.61 (+43%).","Net revenue margin 57% (vs 56% in Q4 2023); total loans and receivables $4.0B (+20% YoY).","Full year 2024 revenue $2.7B (+26%); adjusted EBITDA $657M (+31%); adjusted EPS $9.15 (+34%).","Q4 originations $1.7B (+20% YoY); repurchased $51M of common stock under buyback program.","CEO says 2024 strongest year on record; confident in 2025 momentum."],"consensus_eps_estimate":null,"consensus_eps_actual":7.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":2657800000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190884,"accession_number":"0000950170-24-127980","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-11-18T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova amends RAOD securitization facility; total commitment ~$237M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amendment No. 10 extends revolving period to Nov 2026, maturity to Nov 2027.","Class A commitment $200M at SOFR+1.85%; Class B $36.8M at SOFR+7.60%.","Borrowing base advance rates: 76% Class A, 90% overall facility.","Facility is asset-backed revolving debt for Enova's indirect subsidiaries."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190883,"accession_number":"0000950170-24-116265","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-10-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q3 revenue up 25% to $690M; adjusted EPS $2.45 (+63% YoY)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $690M (+25% YoY); net income $43M, diluted EPS $1.57 (+22%).","Adjusted earnings $68M, or $2.45 per share (+63% from $1.50); adjusted EBITDA $172M (+42%).","Total company combined loans and finance receivables record $3.8B (+23% YoY); originations $1.6B (+28%).","Net revenue margin stable at 58%; credit performance solid with lower net charge-off and delinquency ratios.","Liquidity $1.2B at quarter end; repurchased $23M of common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":5.14,"consensus_revenue_estimate":null,"consensus_revenue_actual":1928249000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190882,"accession_number":"0000950170-24-114689","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-10-15T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova subsidiary amends $200M note facility; rate SOFR+4.25%, maturity Oct 2028","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["NetCredit 2022 (Enova subsidiary) entered Second Amendment to Note Issuance and Purchase Agreement on Oct 15, 2024.","Total commitment remains $200M; borrowing rate set at SOFR + 4.25% with 85% funding rate.","Revolving period extends to October 15, 2026; maturity moves to October 15, 2028.","Jefferies Funding LLC serves as administrative agent and initial note purchaser."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":190881,"accession_number":"0001193125-24-231235","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-10-02T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova closes $261.4M securitization of small business loans at 5.78% weighted average coupon","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $261.353M Series 2024-2 Notes in four classes (A-D) with fixed rates from 4.98% to 9.49%.","Weighted average fixed interest coupon of 5.78% per annum; proceeds used to purchase small business loans.","Collateral pool of ~$275M in small business loans; revolving period ends Sept 2027, final maturity Oct 2031.","Notes are bankruptcy-remote with no recourse to Enova or OnDeck; rated by Kroll Bond Rating Agency.","Issued under Base Indenture dated July 2023 with Deutsche Bank Trust Company Americas as trustee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207363,"accession_number":"0001193125-24-225152","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-09-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova proposes $261M securitization of small business loans with four tranches","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total $261.35M in Series 2024-2 Fixed Rate Asset-Backed Notes across four classes.","Class A: $141.68M at 4.98%, rated AA(sf); Class B: $56.95M at 5.42%, A-(sf).","Class C: $40.17M at 7.03%, BBB-(sf); Class D: $22.56M at 9.49%, BB(sf).","Expected close October 2, 2024; collateral is small business loans from OnDeck.","Notes are not obligations of or guaranteed by Enova; sole obligor is the issuer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207362,"accession_number":"0000950170-24-107912","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-09-19T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova amends $487.6M securitization facility with extended maturity to Sept 2027","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total facility commitment: $487.595M, split into Class A ($365M) and Class B ($122.595M).","Class A borrowing rate: agreed rate + 2.70%; Class B: SOFR + 8.50%.","Advance rates: Class A 65.5%, Class B 87.5%; revolving period ends Sept 2026.","Maturity extended to Sept 2027; BNP Paribas serves as administrative and collateral agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207361,"accession_number":"0001193125-24-220239","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-09-17T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Enova unit proposes $261M Series 2024-2 ABS notes backed by small business loans","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["OnDeck Asset Securitization IV proposes $261,353,000 Series 2024-2 fixed-rate asset-backed notes.","Collateral: revolving pool of small business loans originated by ODK Capital (Enova subsidiary).","Notes offered only to QIBs (Rule 144A) and non-U.S. persons (Reg S); not guaranteed by Enova.","Exhibit 99.1 provides detailed historical loan performance data (delinquency & net charge-off by vintage)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207360,"accession_number":"0000950170-24-106843","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-09-16T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova expands secured credit facility by $150M to $665M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Second Amendment increased commitment from $515M to $665M on September 11, 2024.","Facility is a secured asset-backed revolving credit line with Bank of Montreal as agent.","Proceeds expected to support general corporate purposes and lending operations.","Full terms to be filed in Q3 2024 10-Q."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207359,"accession_number":"0001193125-24-198919","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-08-12T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Enova issues $500M 9.125% senior notes due 2029, authorizes new $300M share repurchase program","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M aggregate principal of 9.125% senior notes due August 1, 2029.","Net proceeds to repurchase outstanding 2025 notes, repay revolver, and general corporate purposes.","Board authorized new $300M share repurchase program to expire Dec 31, 2025, replacing prior program.","CEO David Fisher cites investor confidence and balance sheet flexibility for long-term shareholder value."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207358,"accession_number":"0000950170-24-092879","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-08-07T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Enova International appoints Lindsay Corby to its Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Lindsay Corby elected to Enova's Board effective August 7, 2024; will stand for re-election at 2025 annual meeting.","Corby currently CFO at Chicago Trading Company; previously CFO at Byline Bank and senior roles at BXM Holdings and KBW.","She holds an M.S. in Accounting, B.B.A. and B.A. from Southern Methodist University, and is a CPA."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207357,"accession_number":"0001193125-24-188995","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-07-30T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Enova prices $500M senior notes at 9.125% due 2029, upsized from $400M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M aggregate principal, 9.125% interest, priced at 100% of par.","Upsized from originally announced $400 million offering.","Proceeds for tender offer of 2025 notes, redemption of remaining 2025 notes, revolver repayment, and general corporate purposes.","Expected closing August 12, 2024, subject to customary conditions.","Offered only to qualified institutional buyers and non-U.S. persons under Rule 144A/Reg S; not registered."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207356,"accession_number":"0001193125-24-186725","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Enova announces $400M notes offering and tender for $375M of 8.5% notes due 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Enova will issue $400M senior notes due 2029 via Rule 144A/Reg S to fund debt refinancing.","Tender offer for all $375M outstanding 8.5% senior notes due 2025; early tenders receive $1,002 per $1,000.","Consent solicitation seeks to eliminate restrictive covenants and reduce redemption notice from 30 to 2 days.","Early tender deadline Aug 9, 2024; final expiration Aug 26, 2024. Conditional redemption if consents fail at 100%.","Net proceeds will cover tender, redemption, fees, expenses, and general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207355,"accession_number":"0000950170-24-085640","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enova Q2 revenue up 26% to $628M; diluted EPS $1.93 (+29%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $628M (+26% YoY); net income $54M vs $48M; diluted EPS $1.93 vs $1.50.","Adjusted EPS $2.21 (+28%); adjusted EBITDA $163M vs $126M.","Combined loans/finance receivables record $3.6B (+25% YoY); Q2 originations $1.4B.","Net revenue margin 59% (down from 60%); liquidity $891M; repurchased $62M in stock."],"consensus_eps_estimate":null,"consensus_eps_actual":3.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":1238325000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":224769,"accession_number":"0000950170-24-078432","cik":1529864,"company_name":"Enova International, Inc.","ticker":"ENVA","form_type":"8-K","filed_at":"2024-06-27T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Enova's ODR 2022 amends securitization facility; total commitments $420M, maturity June 2027","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["ODR 2022 facility amended: $338M Class A + $82M Class B = $420M total commitment.","Class A borrowing rate CP+2.60%, Class B SOFR+7.50%; blended CP/SOFR+3.55%.","Advance rates: 72.5% for Class A, 90% for Class B.","Revolving period ends June 2026; maturity date June 2027."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3953712337.604366,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2024-06-27T23:59:59+00:00|224769"}