{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-248781","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.651322+00:00","generated_at":"2026-05-17T02:29:50.192816+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Enova Q3 revenue up 16% to $803M; adjusted EPS $3.36 (+37% YoY); CEO succession announced","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-248781","json":"https://secwatch.observer/filing/0001193125-25-248781.json","markdown":"https://secwatch.observer/filing/0001193125-25-248781.md","text":"https://secwatch.observer/filing/0001193125-25-248781.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000119312525248781/0001193125-25-248781-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000119312525248781/enva-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:29:50.192816+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"}