{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-173746","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.427652+00:00","generated_at":"2026-05-15T04:31:36.639742+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 Q1 revenue $875M (+17%), EPS $3.46 (+29%); Grasshopper Bank on track for H2 2026","bullets":["Total revenue $875M (+17% YoY); net income $91M ($3.46 diluted EPS) vs $73M ($2.69) last year.","Adjusted EPS $3.87 (+30% YoY); adjusted EBITDA $227M (+20% YoY).","Total company originations $2.3B (+33% YoY); combined loans and receivables $5.3B (record).","Net charge-off ratio improved to 7.6%; net revenue margin 60% (up from 57%).","Grasshopper Bank acquisition expected to close H2 2026; liquidity $1.1B; $16M in buybacks."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-173746","json":"https://secwatch.observer/filing/0001193125-26-173746.json","markdown":"https://secwatch.observer/filing/0001193125-26-173746.md","text":"https://secwatch.observer/filing/0001193125-26-173746.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526173746/0001193125-26-173746-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526173746/enva-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:31:36.639742+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":[{"claim_id":"ed939cd9da7719f866b1d55742dff4a2403c6656","claim":"Enova International, Inc. reported first quarter ended March 31, 2026 results: revenue $875 million, net income $91 million, or $3.46 per diluted share, EPS $3.46 per diluted share.","evidence_excerpt":"Grasshopper’s deposit businesses. We remain well positioned to deliver sustainable and profitable growth this year and beyond.” First Quarter 2026 Summary • Total revenue of $875 million increased 17% from $746 million in the first quarter of 2025. • Net revenue margin of 60% compared to 57% in the first quarter of 2025, reflecting continued solid credit","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526173746/0001193125-26-173746-index.htm","confidence":0.6,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2026"},{"label":"Revenue","value":"$875 million"},{"label":"Net income","value":"$91 million, or $3.46 per diluted share"},{"label":"EPS","value":"$3.46 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}