---
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"
generated_at: "2026-05-16T07:31:15.230871+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-024499
- JSON: https://secwatch.observer/filing/0001193125-26-024499.json
- Plain text: https://secwatch.observer/filing/0001193125-26-024499.txt

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