earnings
confidence high
sentiment positive
materiality 0.80
Enova Q3 revenue up 16% to $803M; adjusted EPS $3.36 (+37% YoY); CEO succession announced
Enova International, Inc.
2025-Q3 EPS
reported $8.53
vs consensus $3.09
▲ beat
(+176.3%)
- Net income $80M ($3.03 diluted EPS) vs $43M ($1.57) in Q3 2024; adjusted EPS $3.36.
- Total company combined loans and finance receivables record $4.5B, originations $2.0B (+22% YoY).
- Net charge-off ratio 8.5%, net revenue margin 57%; 30+ day delinquency improved to 7.2%.
- Liquidity $1.2B; repurchased $38M of common stock during the quarter.
- CEO David Fisher confirms Steve Cunningham will assume CEO role in January 2026.