{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-001610","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2023-02-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.409085+00:00","generated_at":"2026-06-20T03:44:07.258159+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Enova Q4 revenue $486M (+34% YoY), EPS $1.56, adjusted EPS $1.76; originations record $1.2B","bullets":["Total revenue $486M in Q4, up 34% from $364M YoY; diluted EPS $1.56 vs $1.30.","Adjusted EPS $1.76 in Q4 vs $1.61; adjusted EBITDA $120M vs $101M.","Total company originations $1.2B, 9% higher than Q4 2021; total receivables up 46% from year-end 2021 to $2.9B.","Net revenue margin 60% in Q4 vs 77% in Q4 2021; net charge-offs 8.8% of avg combined receivables.","Full year 2022 total revenue $1.736B (+44% YoY); adjusted EPS $6.81 vs $7.57; repurchased nearly $140M of shares."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-001610","json":"https://secwatch.observer/filing/0000950170-23-001610.json","markdown":"https://secwatch.observer/filing/0000950170-23-001610.md","text":"https://secwatch.observer/filing/0000950170-23-001610.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/0000950170-23-001610-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/enva-20230201.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T03:44:07.258159+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"7d00b0572b0cbd2441fb99b3a9c25943cccd7702","claim":"Enova International, Inc. reported the year ended December 31, 2022 results: revenue $1.736 billion, net income $207 million, EPS $6.19 per diluted share.","evidence_excerpt":"Total revenue of $1.736 billion in 2022 increased 44% from $1.208 billion in 2021. Net revenue margin of 64% in 2022 compared to 85% in 2021. Net income from continuing operations of $207 million, or $6.19 per diluted share, in 2022, compared to $256 million, or $6.79 per diluted share, in 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/0000950170-23-001610-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2022"},{"label":"Revenue","value":"$1.736 billion"},{"label":"Net income","value":"$207 million"},{"label":"EPS","value":"$6.19 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"97ccd8f0047edd0af0a17cb2e793b0e312813bbf","claim":"Enova International, Inc. reported the fourth quarter of 2022 results: revenue $486 million, net income $51 million, EPS $1.56 per diluted share.","evidence_excerpt":"Total revenue of $486 million in the fourth quarter of 2022 increased 34% from $364 million in the fourth quarter of 2021. Net revenue margin of 60% in the fourth quarter of 2022 compared to 77% in the fourth quarter of 2021. Net income attributable to Enova International, Inc. of $51 million, or $1.56 per diluted share, in the fourth quarter of 2022 compared to $49 million, or $1.30 per diluted share, in the fourth quarter of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/0000950170-23-001610-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Revenue","value":"$486 million"},{"label":"Net income","value":"$51 million"},{"label":"EPS","value":"$1.56 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}