NYSE$ENVA
Enova International Inc · Q4 2024 earnings
Q4 2024 earnings · · After market close · Investor relations
Briefing
Enova reported strong Q4 2024 results, with revenue and earnings per share increasing significantly year-over-year.
Enova International reported a strong fourth quarter in 2024, marked by a 25% increase in total revenue to $730 million and an 83% increase in net income to $64 million, or $2.30 per diluted share. Adjusted earnings per share rose by 43% to $2.61. The company's portfolio expanded to nearly $4 billion, driven by strength in both SMB and consumer businesses.
- Total revenue increased by 25% to $730 million compared to Q4 2023.
- Diluted earnings per share increased 104% to $2.30, and adjusted earnings per share increased 43% to $2.61 compared to Q4 2023.
- Net revenue margin was 57%, consistent with 56% in Q4 2023.
- Loans and finance receivables increased 20% year over year to $4.0 billion.
Headline financials
Revenue & EPS history
Enova · Revenue · Quarterly
$730M
Revenue by segment
Enova · $203M total across 1 segment · Q3 2020
- Company owned revenue$203M-21.5%100.0%
Forward guidance
Enova believes it has significant momentum heading into 2025 and are confident in their ability to continue meeting customer needs while creating value for shareholders.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
+2.6%
Avg return
Earnings day
+3.1%
Avg return
5 days after
+4.9%
Avg return
30 days after
59%
30 / 51 earnings
Positive
+30.7%
Q1 2018
Best reaction
-20.9%
Q3 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -1.6% | -0.5% | -7.0% | |
| Q4 2025 | +0.3% | +9.3% | -11.8% | |
| Q3 2025 | +10.1% | +6.4% | +8.9% | |
| Q2 2025 | -2.8% | -2.2% | +4.6% | |
| Q1 2025 | -7.8% | -6.0% | -6.9% | |
| Q4 2024 | +1.6% | +0.7% | -19.0% | |
| Q3 2024 | +2.3% | -0.7% | +18.4% | |
| Q2 2024 | +5.5% | +11.3% | +12.1% | |
| Q1 2024 | +3.8% | +3.3% | -3.7% | |
| Q4 2023 | -7.7% | -8.5% | +7.2% | |
| Q3 2023 | -20.9% | -12.9% | -11.4% | |
| Q2 2023 | -1.2% | -3.7% | -11.0% | |
| Q1 2023 | -14.3% | -9.6% | -4.6% | |
| Q4 2022 | +14.9% | +13.1% | +10.8% | |
| Q3 2022 | +15.9% | +18.8% | +23.7% | |
| Q2 2022 | +2.1% | -1.2% | +6.7% | |
| Q1 2022 | -0.4% | -11.6% | -16.8% | |
| Q4 2021 | +5.7% | +17.7% | -0.3% | |
| Q3 2021 | +4.5% | +12.7% | +25.3% | |
| Q2 2021 | +2.6% | -0.2% | +4.5% | |
| Q1 2021 | -4.1% | -2.2% | +6.1% | |
| Q4 2020 | +16.4% | +20.1% | +45.9% | |
| Q3 2020 | -1.1% | -9.4% | +30.8% | |
| Q2 2020 | +11.9% | +17.4% | +25.4% | |
| Q1 2020 | +21.8% | -6.9% | -2.7% | |
| Q4 2019 | +10.8% | -13.4% | -20.5% | |
| Q3 2019 | +8.5% | +13.6% | +7.4% | |
| Q2 2019 | +11.6% | +20.4% | +6.9% | |
| Q1 2019 | +17.8% | +6.6% | -11.4% | |
| Q4 2018 | +2.8% | +2.8% | +7.6% | |
| Q3 2018 | +7.8% | +10.5% | -3.1% | |
| Q2 2018 | -15.8% | -17.1% | -5.3% | |
| Q1 2018 | +30.7% | +34.5% | +44.8% | |
| Q4 2017 | +13.1% | +9.8% | +22.6% | |
| Q3 2017 | +3.1% | +3.8% | +4.5% | |
| Q2 2017 | -7.3% | -11.4% | -27.4% | |
| Q1 2017 | -3.1% | +0.7% | -8.5% | |
| Q4 2016 | +6.7% | +2.5% | -2.1% | |
| Q3 2016 | +6.2% | +3.4% | +33.1% | |
| Q2 2016 | -1.0% | +0.3% | +11.8% | |
| Q1 2016 | -2.6% | — | — | |
| Q4 2015 | -2.3% | — | — | |
| Q3 2015 | -8.3% | — | — | |
| Q2 2015 | -8.7% | — | — | |
| Q1 2014 | -2.6% | — | — | |
| Q1 2015 | +2.6% | — | — | |
| Q2 2014 | +5.7% | — | — | |
| Q4 2012 | +5.7% | — | — | |
| Q4 2014 | +5.7% | — | — | |
| Q3 2014 | -5.2% | — | — | |
| Q4 2013 | -5.2% | — | — | |
| Q3 2013 | — | — | — | |
| Q2 2013 | — | — | — | |
| Q1 2013 | — | — | — | |
| Q4 2011 | — | — | — | |
| Q3 2011 | — | — | — | |
| Q4 2010 | — | — | — | |
| Q3 2010 | — | — | — |
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