---
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"
generated_at: "2026-05-27T03:25:53.853658+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Enova Q4 revenue $730M +25% YoY; adjusted EPS $2.61 +43%; portfolio hits $4B

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1529864/000095017025013461/0000950170-25-013461-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1529864/000095017025013461/enva-20250204.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-013461
- JSON: https://secwatch.observer/filing/0000950170-25-013461.json
- Plain text: https://secwatch.observer/filing/0000950170-25-013461.txt

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