secwatch.observer — SEC 8-K summary
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Issuer:     Enova International, Inc. (ENVA)
CIK:        0001529864
Form:       8-K
Filed at:   2023-07-25T23:59:59+00:00
Accession:  0000950170-23-034421
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1529864/000095017023034421/0000950170-23-034421-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1529864/000095017023034421/enva-20230725.htm
  HTML page:      https://secwatch.observer/filing/0000950170-23-034421

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