Enova Reports Third Quarter 2026 Results
Enova International reported Q3 2026 revenue of $1.01 billion, up 26% year-over-year and its first-ever $1 billion quarter, with record originations of $2.6 billion (+31%). Net income rose 34% to $107 million ($4.06 diluted EPS), adjusted EPS rose 33% to $4.48, and adjusted EBITDA climbed 23% to $269 million. Credit performance remained solid: the net charge-off ratio improved to 8.1% from 8.5%, and net revenue margin expanded to 61% from 57%. Combined loans and finance receivables hit a record $5.9 billion.
Key figures
- Eps
- 4.06
- Revenue
- 1009172000
- Revenue Yoy
- 26%
- Liquidity
- $1.3 billion
- Buyback q3
- 46000000
- Net income
- 107304000
- Adjusted eps
- 4.48
- Originations
- 2567480000
- Adjusted ebitda
- 268639000
- Adjusted eps yoy
- 33%
- Originations yoy
- 31%
- Net revenue margin
- 61%
- Adjusted ebitda yoy
- 23%
- Combined receivables
- $5.9 billion (record)
- Net charge off ratio
- 8.1% vs 8.5%
- Buyback capacity remaining
- 252000000
AI analysis
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