{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-060152","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2025-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.638126+00:00","generated_at":"2026-05-23T03:46:18.708810+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 Q1 revenue $746M (+22%), EPS $2.69 (+64%), originations +26%","bullets":["Diluted EPS $2.69 (+64% YoY); adjusted EPS $2.98 (+56% YoY).","Total revenue $746M (+22% YoY); net revenue margin stable at 57%.","Originations $1.7B (+26% YoY); combined loans & finance receivables record $4.1B (+20% YoY).","Net charge-off ratio stable at 8.6%; 30+ day delinquency improved to 7.7%.","Share repurchases $63M in Q1; liquidity $1.1B including cash, marketable securities & facility capacity."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-060152","json":"https://secwatch.observer/filing/0000950170-25-060152.json","markdown":"https://secwatch.observer/filing/0000950170-25-060152.md","text":"https://secwatch.observer/filing/0000950170-25-060152.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025060152/0000950170-25-060152-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025060152/enva-20250429.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T03:46:18.708810+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"}