Enova International (NYSE:ENVA) Announces Quarterly Earnings Results, Beats Expectations By $0.29 EPS

Enova International (NYSE:ENVA) announced its earnings results on Tuesday. The credit services provider reported $3.46 earnings per share for the quarter, beating analysts’ consensus estimates of $3.17 by $0.29, FiscalAI reports. Enova International had a net margin of 9.78% and a return on equity of 25.82%. The business had revenue of $1.34 billion during the quarter, compared to the consensus estimate of $838.59 million. During the same quarter last year, the firm earned $2.61 earnings per share. The business’s revenue for the quarter was up 15.0% on a year-over-year basis.

Here are the key takeaways from Enova International’s conference call:

• Enova reported record growth in 2025 with fourth-quarter originations up 32% YoY to $2.3B and year-end receivables of $4.9B, driving Adjusted EPS +42% for the year.
• Credit trends remain strong — consolidated net charge-offs fell to 8.3% in Q4, consumer NCO improved to 16%, and SMB NCO stayed low at 4.6%, supporting margin expansion.
• Management expects to close the pending Grasshopper Bank acquisition in H2 2026 after filing regulatory applications, forecasting $125M–$220M of annual net synergies and >25% EPS accretion once realized, though timing/approval risk remains.
• 2026 guidance assumes continued momentum with ~15% originations growth for the year and at least 20% adjusted EPS growth (excludes any Grasshopper contribution), plus Q1 EPS expected +20%–25% YoY.
• Enova significantly increased marketing in Q4 to 23% of revenue (driving record originations), lifting total operating expenses to 36% of revenue; management says marketing should normalize to upper‑teens as demand reverts.

Enova International Stock Up 0.8%

ENVA opened at $158.98 on Thursday. The stock has a market cap of $4.47 billion, a price-to-earnings ratio of 14.61 and a beta of 1.27. The company has a debt-to-equity ratio of 3.20, a quick ratio of 19.29 and a current ratio of 19.29. The firm’s fifty day moving average is $151.80 and its 200 day moving average is $128.10. Enova International has a fifty-two week low of $79.41 and a fifty-two week high of $168.68.

Enova International announced that its Board of Directors has approved a stock buyback plan on Wednesday, November 12th that permits the company to buyback $400.00 million in outstanding shares. This buyback authorization permits the credit services provider to repurchase up to 12.5% of its stock through open market purchases. Stock buyback plans are generally a sign that the company’s board of directors believes its shares are undervalued.

Insider Activity at Enova International

In related news, CEO David Fisher sold 15,000 shares of the stock in a transaction dated Tuesday, December 16th. The stock was sold at an average price of $160.24, for a total transaction of $2,403,600.00. Following the completion of the sale, the chief executive officer owned 348,223 shares in the company, valued at approximately $55,799,253.52. This trade represents a 4.13% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. Insiders sold 30,573 shares of company stock valued at $4,659,815 in the last quarter. 8.40% of the stock is owned by insiders.

Institutional Trading of Enova International

A number of large investors have recently added to or reduced their stakes in the company. Danske Bank A S bought a new position in shares of Enova International during the 3rd quarter valued at approximately $991,000. Horizon Investments LLC increased its holdings in shares of Enova International by 5.9% in the 3rd quarter. Horizon Investments LLC now owns 14,054 shares of the credit services provider’s stock worth $1,617,000 after buying an additional 789 shares during the last quarter. California State Teachers Retirement System raised its position in shares of Enova International by 0.4% during the 2nd quarter. California State Teachers Retirement System now owns 24,268 shares of the credit services provider’s stock valued at $2,706,000 after buying an additional 105 shares in the last quarter. Finally, EverSource Wealth Advisors LLC increased its stake in Enova International by 350.0% during the second quarter. EverSource Wealth Advisors LLC now owns 450 shares of the credit services provider’s stock worth $50,000 after acquiring an additional 350 shares during the last quarter. Institutional investors own 89.43% of the company’s stock.

Key Headlines Impacting Enova International

Here are the key news stories impacting Enova International this week:

• Positive Sentiment: Q4 beat and healthy fundamentals — Enova reported adjusted EPS of $3.46 (above consensus) and revenue of $1.34B (+15% YoY). Originations grew ~32%, credit metrics remained solid (net charge-off ~8.3%, 30+ day delinquency improved), and the company repurchased $35M of stock in the quarter — these results support earnings power and cash returns to shareholders. Read More.
• Positive Sentiment: Bullish 2026 outlook and M&A progress — Management guided to roughly 15% origination growth and at least 20% EPS growth for 2026 and noted progress on the Grasshopper acquisition, indicating both organic and inorganic growth drivers ahead. Read More.
• Positive Sentiment: Analyst support rising — Citizens/JMP raised its price target (~$180→$182, maintaining a “market outperform”) and BTIG reaffirmed a buy with a $199 target; higher targets increase visible upside and can attract demand. Read More.
• Neutral Sentiment: More color available — Earnings call transcript, sector write‑ups and analyst pieces provide additional detail for modeling credit trends, product mix and Enova’s ML-driven underwriting; useful for refining estimates but not immediate price drivers. Read More.
• Negative Sentiment: Insider sale by chairman — Chairman David Fisher sold 9,573 shares (~$1.51M) on Jan. 26, trimming his holding by ~2.7%. The trade is modest but may be interpreted by some investors as a near-term negative signal. Read More.

Analyst Upgrades and Downgrades

A number of equities analysts have weighed in on ENVA shares. TD Cowen reissued a “buy” rating on shares of Enova International in a research report on Thursday, January 8th. BTIG Research restated a “buy” rating and issued a $199.00 price target on shares of Enova International in a research note on Wednesday. JMP Securities upped their price objective on Enova International from $135.00 to $149.00 and gave the company a “market outperform” rating in a research report on Friday, October 24th. Weiss Ratings reissued a “buy (b-)” rating on shares of Enova International in a research report on Thursday, January 22nd. Finally, Wall Street Zen lowered shares of Enova International from a “strong-buy” rating to a “buy” rating in a research report on Saturday, November 22nd. Eight equities research analysts have rated the stock with a Buy rating and one has issued a Hold rating to the company. According to data from MarketBeat.com, the stock presently has an average rating of “Moderate Buy” and a consensus target price of $164.00.

About Enova International

Enova International, Inc (NYSE: ENVA) is a Chicago-based financial services company specializing in online lending solutions. Since its founding in 2004, Enova has leveraged proprietary data analytics and technology platforms to underwrite and deliver short-term consumer loans, lines of credit and installment loans. Through its flagship consumer brand NetCredit, Enova provides flexible credit options designed to serve a wide range of borrowers, including those with limited or non-traditional credit histories.

In addition to its U.S.