{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-008843","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2024-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.512378+00:00","generated_at":"2026-06-06T14:56:49.966020+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enova Q4 revenue up 20% to $584M; adjusted EPS $1.83, originations record $1.4B","bullets":["Total revenue $584M in Q4 (+20% YoY); full year $2.1B (+22%).","GAAP diluted EPS $1.13; adjusted diluted EPS $1.83 vs $1.56/$1.76 prior year.","Combined loans and finance receivables up 16% to $3.3B; quarterly originations record $1.4B.","Net revenue margin 56% (down from 60%); adjusted EBITDA $130M vs $120M.","Repurchased $66M of common stock in Q4; liquidity $870M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-008843","json":"https://secwatch.observer/filing/0000950170-24-008843.json","markdown":"https://secwatch.observer/filing/0000950170-24-008843.md","text":"https://secwatch.observer/filing/0000950170-24-008843.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017024008843/0000950170-24-008843-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017024008843/enva-20240130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T14:56:49.966020+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":"62439f9baaa3bde096603b7207fdbd8e6243bb84","claim":"Enova International, Inc. reported the year ended December 31, 2023 results: revenue $2.1 billion, net income $175 million, EPS $5.49 per diluted share.","evidence_excerpt":"Total revenue of $2.1 billion in 2023 increased 22% from $1.7 billion in 2022. • Net revenue margin of 58% in 2023 compared to 64% in 2022. • Net income from continuing operations of $175 million, or $5.49 per diluted share, in 2023, compared to $207 million, or $6.19 per diluted share, in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1529864/000095017024008843/0000950170-24-008843-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Revenue","value":"$2.1 billion"},{"label":"Net income","value":"$175 million"},{"label":"EPS","value":"$5.49 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b57f84580b3b94dd7ab194f468efb8969be2a79d","claim":"Enova International, Inc. reported the three months ended December 31, 2023 results: revenue $584 million, net income $35 million, EPS $1.13 per diluted share.","evidence_excerpt":"Total revenue of $584 million in the fourth quarter of 2023 increased 20% from $486 million in the fourth quarter of 2022. • Net revenue margin of 56% in the fourth quarter of 2023 compared to 60% in the fourth quarter of 2022. • Net income of $35 million, or $1.13 per diluted share, in the fourth quarter of 2023 compared to $51 million, or $1.56 per diluted share, in the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1529864/000095017024008843/0000950170-24-008843-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2023"},{"label":"Revenue","value":"$584 million"},{"label":"Net income","value":"$35 million"},{"label":"EPS","value":"$1.13 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"}