Enova Q2 revenue up 22% to $764M, adj. EPS $3.23 (+46% YoY), originations up 28%

Enova International, Inc.

2025-Q2 EPS reported $5.51 vs consensus $3.04 ▲ beat (+81.1%)

Q2 2025 total revenue $764M (+22% YoY); net income $76M ($2.86 diluted EPS) vs $54M ($1.93) in Q2 2024.
Adjusted EPS of $3.23 (+46% YoY); Adjusted EBITDA $203M (+25%) with net revenue margin 58%.
Originations rose 28% to $1.8B; total loans & finance receivables record $4.3B (+20% YoY).
Credit stable: net charge-off ratio 8.1%, 30+ day delinquency improved to 7.1%, portfolio fair value premium 115%.
Share repurchases $54M in Q2; liquidity $1.1B including cash and marketable securities and facility capacity.

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