---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-034421"
form_type: "8-K"
ticker: "ENVA"
cik: "0001529864"
company_name: "Enova International, Inc."
filed_at: "2023-07-25T23:59:59+00:00"
generated_at: "2026-06-13T03:06:15.551497+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Enova Q2 2023 revenue up 22% to $499M; adjusted EPS $1.72

## Summary
- Total revenue $499M (+22% YoY); GAAP net income $48M ($1.50 diluted EPS) vs $52M ($1.56) year ago.
- Adjusted EPS of $1.72 vs $1.64 YoY; adjusted EBITDA $126M up from $102M.
- Combined loan portfolio $2.9B (+20% YoY); originations exceeded $1B for 7th straight quarter.
- Net revenue margin 60% (down from 65%); net charge-offs 7.6% (sequential decline); portfolio fair value 112% of principal.
- Repurchased $28M of common stock and $26M of senior notes during quarter; total liquidity $1.1B.

## SEC filing metadata
- accession: 0000950170-23-034421
- form_type: 8-K
- ticker: ENVA
- cik: 0001529864
- company_name: Enova International, Inc.
- filed_at: 2023-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1529864/000095017023034421/0000950170-23-034421-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1529864/000095017023034421/enva-20230725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-034421
- JSON: https://secwatch.observer/filing/0000950170-23-034421.json
- Plain text: https://secwatch.observer/filing/0000950170-23-034421.txt

## Key facts
- Earnings Releases
  Enova International, Inc. reported the second quarter ended June 30, 2023 results: revenue $499 million, net income $48 million, EPS $1.50 per diluted share.
  - Period: the second quarter ended June 30, 2023
  - Revenue: $499 million
  - Net income: $48 million
  - EPS: $1.50 per diluted share
  - Result: reported results
  source text: Total revenue of $499 million in the second quarter of 2023 increased 22% from $408 million in the second quarter of 2022. Net revenue margin of 60% in the second quarter of 2023 compared to 65% in the second quarter of 2022. Net income of $48 million, or $1.50 per diluted share, in the second quarter of 2023 compared to $52 million, or $1.56 per diluted share, in the second quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1529864/000095017023034421/0000950170-23-034421-index.htm

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