ENVA Earnings Prediction
The chart below shows how ENVA performed 10 days before and after its earnings report, based on data from the past quarters. Typically, ENVA sees a -4.96% change in stock price 10 days leading up to the earnings, and a +0.60% change 10 days following the report. On the earnings day itself, the stock moves by +1.19%. This data can give you a slight idea of what to expect for the next quarter's release.
ENVA Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
413.04M
27.07%
3.17%
Gross Margin
--
--
--
Operating Margin
37.57%
7.59%
-2.14%
Net Margin
15.42%
44.11%
42.25%
EPS
2.30
103.54%
46.50%
No Data Available
ENVA Earnings Analysis
Enova International Inc Corporation (ENVA.N) Earnings Conference Call
Positive
Quarterly Revenue Surge: Fourth quarter revenue increased by 25% year over year to $730 million, driven by strong growth across the portfolio.
Q4 Adjusted EBITDA Growth: Adjusted EBITDA for the fourth quarter rose 34% year over year, reaching $174 million, reflecting effective cost management and operational leverage.
Profitability Growth Surge: Adjusted EPS increased by 43% year over year to $2.61 per diluted share, indicating strong profitability growth.
Quarterly Originations Growth: Originations for the fourth quarter grew by 20% year over year to $1.7 billion, showcasing robust demand for both consumer and small business products.
Small Business Revenue Surge: Small business revenue surged by 36% year over year to a record $286 million, highlighting the strength and optimism in the small business lending segment.
Negative
Q4 Revenue Performance: Total company revenue for Q4 2024 was $730 million, which, despite being a 25% increase year-over-year, is expected to be flat to slightly higher in Q1 2025, indicating potential stagnation in growth.
Net Charge-Off Ratio Decline: The consolidated net charge-off ratio for Q4 2024 was 8.9%, reflecting a decline of 80 basis points year-over-year, suggesting ongoing credit risk despite improved performance in consumer and small business portfolios.
Operating Expenses Analysis: Operating expenses for Q4 2024 were 34% of revenue, which, while improved from 37% in Q4 2023, still indicates a significant portion of revenue is consumed by costs, limiting profitability growth potential.
Marketing Expense Analysis: Marketing expenses increased to $151 million in Q4 2024, maintaining at 21% of revenue, which suggests that despite growth, the cost of customer acquisition remains high and could pressure margins going forward.
Tax Rate Impact on Income: The effective tax rate for Q4 2024 was 18%, with expectations for a normalized annual effective tax rate to remain in the mid-twenty percent range, indicating potential pressure on net income due to higher tax obligations.
ENVA FAQs
How does ENVA typically perform around its earnings report dates?
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ENVA Earning Call Sentiment
Earnings call transcript: Enova International Q4 2024 beats EPS forecasts
ENVA.N
-1.12%Positive
The earnings call summary indicates strong financial performance with significant year-over-year growth in revenue, EBITDA, and EPS. The company has a robust share repurchase program, enhancing shareholder value. Despite some economic concerns, the Q&A session revealed confidence in consumer strength and competitive stability. With a market cap of approximately $1.6 billion, the positive financial performance and shareholder returns are likely to drive a stock price increase in the range of 2% to 8%.
