{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-013461","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2025-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.907234+00:00","generated_at":"2026-05-27T03:25:53.853658+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 $730M +25% YoY; adjusted EPS $2.61 +43%; portfolio hits $4B","bullets":["Q4 total revenue $730M (+25% YoY); diluted EPS $2.30 (+104%); adjusted EPS $2.61 (+43%).","Net revenue margin 57% (vs 56% in Q4 2023); total loans and receivables $4.0B (+20% YoY).","Full year 2024 revenue $2.7B (+26%); adjusted EBITDA $657M (+31%); adjusted EPS $9.15 (+34%).","Q4 originations $1.7B (+20% YoY); repurchased $51M of common stock under buyback program.","CEO says 2024 strongest year on record; confident in 2025 momentum."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-013461","json":"https://secwatch.observer/filing/0000950170-25-013461.json","markdown":"https://secwatch.observer/filing/0000950170-25-013461.md","text":"https://secwatch.observer/filing/0000950170-25-013461.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025013461/0000950170-25-013461-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025013461/enva-20250204.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T03:25:53.853658+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"}