secwatch.observer — SEC 8-K summary
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Issuer:     Enova International, Inc. (ENVA)
CIK:        0001529864
Form:       8-K
Filed at:   2026-01-27T23:59:59+00:00
Accession:  0001193125-26-024499
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1529864/000119312526024499/0001193125-26-024499-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1529864/000119312526024499/enva-20260127.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-024499

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer