Enova International, Inc. (ENVA) Form 8-K — Oct 22, 2026
Enova International (NYSE: ENVA) reported record Q3 2026 results on October 22, 2026, with total revenue of $1.01 billion — its first-ever $1 billion quarter — up 26% year-over-year. Net income rose 34% to $107 million ($4.06 diluted EPS) and adjusted EPS rose 33% to $4.48, while originations grew 31% to $2.6 billion and combined loans and finance receivables hit a record $5.9 billion. Credit performance remained solid with a net charge-off ratio improving to 8.1% from 8.5%, and total liquidity stood at $1.3 billion.
Key figures
- Eps
- 4.06
- Revenue
- 1009172000
- Net Income
- 107304000
- Total Debt
- 5376881000
- Revenue Yoy
- 26%
- Total Assets
- 7695527000
- Cash Position
- $1.3 billion total liquidity including cash, marketable securities and facility capacity
- Shares Outstanding
- 24713804
- Adjusted eps
- 4.48
- Originations
- $2.6 billion (+31% YoY)
- Adjusted ebitda
- 268639000
- Adjusted eps yoy
- 33%
- Net revenue margin
- 61%
- Adjusted ebitda yoy
- 23%
- Net charge off ratio
- 8.1% vs 8.5%
- Share repurchases q3
- $46 million
- Repurchase capacity q4
- $252 million
- Combined loans and receivables
- $5.9 billion record (+30% YoY)
AI analysis
Red flags3 · Pro
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.