---
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"
generated_at: "2026-06-06T14:56:49.966020+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enova Q4 revenue up 20% to $584M; adjusted EPS $1.83, originations record $1.4B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-008843
- JSON: https://secwatch.observer/filing/0000950170-24-008843.json
- Plain text: https://secwatch.observer/filing/0000950170-24-008843.txt

## Key facts
- Earnings Releases
  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.
  - Period: the year ended December 31, 2023
  - Revenue: $2.1 billion
  - Net income: $175 million
  - EPS: $5.49 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1529864/000095017024008843/0000950170-24-008843-index.htm
- Earnings Releases
  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.
  - Period: the three months ended December 31, 2023
  - Revenue: $584 million
  - Net income: $35 million
  - EPS: $1.13 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1529864/000095017024008843/0000950170-24-008843-index.htm

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