secwatch.observer — SEC 8-K summary
======================================

Issuer:     Enova International, Inc. (ENVA)
CIK:        0001529864
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0000950170-25-098354
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1529864/000095017025098354/0000950170-25-098354-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1529864/000095017025098354/enva-20250724.htm
  HTML page:      https://secwatch.observer/filing/0000950170-25-098354

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer