{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-098354","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.241361+00:00","generated_at":"2026-05-18T02:14:53.367701+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 Q2 revenue up 22% to $764M, adj. EPS $3.23 (+46% YoY), originations up 28%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-098354","json":"https://secwatch.observer/filing/0000950170-25-098354.json","markdown":"https://secwatch.observer/filing/0000950170-25-098354.md","text":"https://secwatch.observer/filing/0000950170-25-098354.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025098354/0000950170-25-098354-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000095017025098354/enva-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:14:53.367701+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"}