---
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"
generated_at: "2026-06-20T03:44:07.258159+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enova Q4 revenue $486M (+34% YoY), EPS $1.56, adjusted EPS $1.76; originations record $1.2B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-001610
- JSON: https://secwatch.observer/filing/0000950170-23-001610.json
- Plain text: https://secwatch.observer/filing/0000950170-23-001610.txt

## Key facts
- Earnings Releases
  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.
  - Period: the year ended December 31, 2022
  - Revenue: $1.736 billion
  - Net income: $207 million
  - EPS: $6.19 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/0000950170-23-001610-index.htm
- Earnings Releases
  Enova International, Inc. reported the fourth quarter of 2022 results: revenue $486 million, net income $51 million, EPS $1.56 per diluted share.
  - Period: the fourth quarter of 2022
  - Revenue: $486 million
  - Net income: $51 million
  - EPS: $1.56 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/0000950170-23-001610-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.