Enova Q4 revenue +15% to $839M, EPS $3.00 (+30%), originations +32%, acquiring Grasshopper Bank

Enova International, Inc.

2025-FY EPS reported $11.52 vs consensus $3.23 ▲ beat (+256.4%)

Total revenue $839M (+15% YoY); net income $79M; diluted EPS $3.00 (+30%); adj. EPS $3.46 (+33%).
Originations rose 32% to $2.3B; combined loans and finance receivables $4.9B (+23% YoY).
Net revenue margin improved to 60% vs 57% prior year; net charge-off ratio 8.3%; 30+ day delinquency 6.7%.
Repurchased $35M in common stock during Q4; total liquidity $1.1B at year-end 2025.
Announced acquisition of Grasshopper Bancorp (Grasshopper Bank) with national bank charter, expected close H2 2026.

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