NYSE$ENVA
Enova International Inc · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Enova International reported Q4 2025 revenue of $839M with net income of $79M and diluted EPS of $3.00.
Fourth-quarter total revenue increased 15% to $839 million. Net income rose 24% to $79 million with diluted EPS of $3.00; adjusted EPS grew 33% to $3.46. Adjusted EBITDA increased 21% to $211 million. Full-year revenue reached $3.2 billion with adjusted EPS of $12.96 (+42% YoY). Management highlighted strong originations and credit performance across the portfolio.
- Q4 revenue $839M (+15% YoY).
- Diluted EPS $3.00; adjusted EPS $3.46.
- Adjusted EBITDA $211M (+21% YoY).
- FY25 adjusted EPS $12.96 (+42%).
Headline financials
Revenue & EPS history
Enova · Revenue · Quarterly
$839M
Revenue by segment
Enova · $203M total across 1 segment · Q3 2020
- Company owned revenue$203M-21.5%100.0%
Forward guidance
The release discusses ENVA's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.
Tailwinds
- ENVA cites operational execution and demand trends supporting the outlook.
- Balance sheet and capital actions aim to fund growth and shareholder returns.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
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 2025
+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 | — | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro