{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-024499","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2026-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.343215+00:00","generated_at":"2026-05-16T07:31:15.230871+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enova Q4 revenue +15% to $839M, EPS $3.00 (+30%), originations +32%, acquiring Grasshopper Bank","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-024499","json":"https://secwatch.observer/filing/0001193125-26-024499.json","markdown":"https://secwatch.observer/filing/0001193125-26-024499.md","text":"https://secwatch.observer/filing/0001193125-26-024499.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526024499/0001193125-26-024499-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526024499/enva-20260127.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:31:15.230871+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"}