Enova International to Release Q4 2025 Financial Results on January 27, 2026
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 13 2026
0mins
Should l Buy ENVA?
Source: Newsfilter
- Earnings Release Schedule: Enova International will release its Q4 and full-year 2025 financial results after market close on January 27, 2026, reflecting the company's ongoing growth in the financial services sector.
- Conference Call Timing: The company will host a conference call at 4 p.m. Central Time (5 p.m. Eastern Time) on the same day to discuss its financial results, enhancing communication with investors.
- Webcast Access: Investors can access the live webcast of the call on Enova's Investor Relations website, ensuring transparency and providing real-time information to boost investor confidence.
- Loan Achievements: Over the past 20 years, Enova has provided more than $65 billion in loans and financing to over 13 million customers, demonstrating its strong capability in serving customer segments underserved by traditional banks.
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Analyst Views on ENVA
Wall Street analysts forecast ENVA stock price to rise
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 148.440
Low
150.00
Averages
177.17
High
199.00
Current: 148.440
Low
150.00
Averages
177.17
High
199.00
About ENVA
Enova International, Inc. is an online financial services company that serves small businesses and consumers. The Company's online financing products and services provide customers with a deposit of funds to their bank account in exchange for a commitment to repay the amount deposited plus fees and/or interest. Its products and services include consumer installment loans, small business installment loans, consumer line of credit accounts, small business line of credit accounts, CSO program, bank programs, and money transfer business. It provides its services in the United States and Brazil. In the United States it markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com and Headway Capital at www.headwaycapital.com, and it markets its money transfer platform under the name Pangea. In Brazil, it operates under the name Simplic, where it arranges unsecured consumer installment loans for a third-party lender.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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See More
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- Diverse Financing Options: The survey indicates that 468 small business owners are utilizing a wider range of financing options, including OnDeck, to support their growth plans, showcasing flexibility and adaptability in accessing capital.
- Data-Driven Decision Making: By leveraging real-time AI-driven cash flow insights, small businesses can make informed decisions more rapidly, significantly enhancing their potential for success in the new year and long-term growth prospects.
See More
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See More
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- Leadership Transition: Effective January 1, Steve Cunningham became CEO and Scott Cornelis CFO, with management reiterating the strategic rationale for the pending acquisition of Grasshopper Bank, expected to close in H2 2026, aimed at simplifying regulation and expanding consumer markets.
- 2026 Outlook: Enova targets approximately 15% origination growth and at least 20% adjusted EPS growth for 2026, backed by about $1.1 billion in liquidity, demonstrating the company's focus on organic growth first, followed by share buybacks to enhance shareholder value.
- Increased Marketing Spend: Marketing expenses accounted for 23% of total revenue in Q4, up from 21% a year earlier, as management indicated a commitment to capturing demand while expecting marketing expenses to revert to more typical levels, yet remaining opportunistic to seize market potential.
See More
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- Revenue Growth: The company achieved revenue of $839.39 million in Q4, a 15.1% year-over-year increase, aligning with market expectations and demonstrating robust business expansion.
- Record Loan Receivables: Total combined loans and finance receivables reached a record $4.9 billion, up 23% from the end of Q4 2024, reflecting strong performance in the credit market and increased customer demand.
- Share Repurchase Program: Enova repurchased $35 million of common stock under its share repurchase program, signaling management's confidence in future growth while also enhancing EPS.
See More
