---
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"
generated_at: "2026-05-17T02:29:50.192816+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enova Q3 revenue up 16% to $803M; adjusted EPS $3.36 (+37% YoY); CEO succession announced

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-248781
- JSON: https://secwatch.observer/filing/0001193125-25-248781.json
- Plain text: https://secwatch.observer/filing/0001193125-25-248781.txt

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