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Enova International (ENVA)
NYSE:ENVA
Earnings Data
Report Date
Jul 24, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
3Last Year’s EPS
2.21Same Quarter Last Year
Strong Buy
Based on 6 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 29, 2025
|% Change Since: -2.26%
|Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a predominantly positive sentiment due to strong revenue growth, robust origination figures, and stable credit performance. However, potential risks from tariff impacts and higher new customer charge-offs are noted. Overall, the company appears well-positioned to navigate these challenges.Company Guidance
In the Enova International First Quarter 2025 Earnings Conference Call, the company provided guidance indicating strong financial performance and positive expectations for the remainder of the year. Enova reported a 22% year-over-year increase in total revenue to $746 million and a 26% increase in originations to $1.7 billion. The company highlighted a 20% year-over-year growth in combined loan and finance receivables to $4.1 billion. Small business products accounted for 65% of the portfolio, with a revenue increase of 29% year-over-year, while the consumer sector saw an 18% revenue growth. Enova's adjusted EPS rose by 56% year-over-year, and the net charge-off ratio improved to 8.6% from 8.9% in the previous quarter. Looking forward, Enova expects second-quarter revenue to be flat or slightly higher sequentially, with marketing expenses around 20% of revenue and operational and technology expenses at approximately 8.5% of revenue. The company aims for adjusted EPS growth of at least 25% for the full year 2025, supported by a strong liquidity position of $1.1 billion.Strong Revenue and Profit Growth
Enova reported a 22% year-over-year increase in total company revenue to $746 million for Q1 2025. Adjusted EPS increased by 56% year-over-year, indicating strong profitability.
Record Origination Growth
First quarter originations rose 26% year-over-year to $1.7 billion, demonstrating significant growth in new loan originations.
Robust SMB and Consumer Revenue
Small business lending revenue increased 29% year-over-year to $305 million, while consumer revenue rose 18% to $431 million.
Stable Credit Performance
Consolidated net charge-off ratio declined to 8.6%, indicating stable credit performance across the portfolio.
Strong Labor Market Impacts
The U.S. added 228,000 jobs in March 2025, contributing to strong consumer spending and benefiting Enova's portfolios.
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ENVA Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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ENVA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 29, 2025 | $99.55 | $91.79 | -7.80% |
Feb 04, 2025 | $112.94 | $114.74 | +1.59% |
Oct 22, 2024 | $89.87 | $88.17 | -1.89% |
Jul 23, 2024 | $74.57 | $77.61 | +4.08% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Enova International (ENVA) report earnings?
Enova International (ENVA) is schdueled to report earning on Jul 24, 2025, TBA Not Confirmed.
What is Enova International (ENVA) earnings time?
Enova International (ENVA) earnings time is at Jul 24, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is ENVA EPS forecast?
ENVA EPS forecast for the fiscal quarter 2025 (Q2) is 3.
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