secwatch.observer — SEC 8-K summary
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Issuer:     Enova International, Inc. (ENVA)
CIK:        0001529864
Form:       8-K
Filed at:   2023-02-01T23:59:59+00:00
Accession:  0000950170-23-001610
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/0000950170-23-001610-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1529864/000095017023001610/enva-20230201.htm
  HTML page:      https://secwatch.observer/filing/0000950170-23-001610

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer