---
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"
generated_at: "2026-05-18T02:14:53.367701+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1529864/000095017025098354/0000950170-25-098354-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1529864/000095017025098354/enva-20250724.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-098354
- JSON: https://secwatch.observer/filing/0000950170-25-098354.json
- Plain text: https://secwatch.observer/filing/0000950170-25-098354.txt

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