{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-314134","form_type":"8-K","ticker":"ENVA","cik":"0001529864","company_name":"Enova International, Inc.","filed_at":"2026-07-23T20:16:13+00:00","discovered_at":"2026-07-23T20:17:00.272296+00:00","generated_at":"2026-07-23T20:17:15.956463+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Enova Q2 2026 revenue up 22% to $929M; adj. EPS $4.31 (+33% YoY)","bullets":["Total revenue $929M (+22% YoY); net income $105M ($4.00 diluted EPS) vs $76M ($2.86) in Q2 2025.","Adjusted EPS $4.31 (+33% YoY); adjusted EBITDA $256M (+26%).","Originations rose 27% to $2.3B; combined loans and finance receivables record $5.5B (+28%).","Net charge-off ratio improved to 7.3%; net revenue margin improved to 61%.","Raised full-year outlook; repurchased $19M of stock in quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-314134","json":"https://secwatch.observer/filing/0001193125-26-314134.json","markdown":"https://secwatch.observer/filing/0001193125-26-314134.md","text":"https://secwatch.observer/filing/0001193125-26-314134.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526314134/0001193125-26-314134-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1529864/000119312526314134/enva-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:17:15.956463+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"}