Enova International Inc. (NYSE: ENVA) reported its fourth‑quarter and full‑year 2025 results on January 27, 2026, delivering an adjusted earnings per share of $3.46—$0.24 above the consensus of $3.20. The beat, driven by disciplined cost management and a favorable mix of high‑margin small‑business originations, lifted the company’s profitability outlook.
Revenue for the quarter rose 15% to $839.4 million, matching the high end of the company’s guidance but falling short of the $855.4 million estimate. The shortfall stemmed from a 2% decline in consumer loan originations, offset by a 48% jump in small‑business originations that pushed the portfolio mix to 68% small‑business and 32% consumer loans.
Net revenue margin expanded to 60% from 57% in Q4 2024, reflecting stronger credit performance—net charge‑off ratio fell to 8.3% and 30‑day delinquency to 6.7%—and the continued efficiency of Enova’s machine‑learning underwriting platform. The margin lift supports the company’s guidance for a 20% adjusted EPS growth in 2026.
Management highlighted a leadership transition that took effect on January 1, 2026, with Steven Cunningham stepping in as CEO and Scott Cornelis as CFO. Chairman David Fisher emphasized confidence in the new team’s ability to sustain growth and execute the pending Grasshopper Bank acquisition, which is expected to generate $125‑$220 million in net synergies within two years.
Looking ahead, Enova projected 2026 revenue growth of 15% and flat to slightly higher sequential revenue in Q1 2026. The company’s guidance signals optimism about demand for its digital lending platform, while the revenue miss and modest consumer slowdown suggest investors will monitor the company’s ability to maintain top‑line momentum.
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