{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-116265","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.707930+00:00","generated_at":"2026-05-30T11:37:12.657102+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Enova Q3 revenue up 25% to $690M; adjusted EPS $2.45 (+63% YoY)","bullets":["Revenue $690M (+25% YoY); net income $43M, diluted EPS $1.57 (+22%).","Adjusted earnings $68M, or $2.45 per share (+63% from $1.50); adjusted EBITDA $172M (+42%).","Total company combined loans and finance receivables record $3.8B (+23% YoY); originations $1.6B (+28%).","Net revenue margin stable at 58%; credit performance solid with lower net charge-off and delinquency ratios.","Liquidity $1.2B at quarter end; repurchased $23M of common stock."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-116265","json":"https://secwatch.observer/filing/0000950170-24-116265.json","markdown":"https://secwatch.observer/filing/0000950170-24-116265.md","text":"https://secwatch.observer/filing/0000950170-24-116265.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017024116265/0000950170-24-116265-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017024116265/enva-20241022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:37:12.657102+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}