---
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"
generated_at: "2026-07-23T20:17:15.956463+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Enova Q2 2026 revenue up 22% to $929M; adj. EPS $4.31 (+33% YoY)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-314134
- JSON: https://secwatch.observer/filing/0001193125-26-314134.json
- Plain text: https://secwatch.observer/filing/0001193125-26-314134.txt

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