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Enova International
Enova International (ENVA) investor relations material
Enova International Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
2025 marked a record year with strong originations, revenue, and adjusted EPS growth, driven by a balanced growth strategy and robust credit performance.
Achieved $3.2B in revenue for 2025, serving over 14 million customers since inception and originating $67B+ in loans.
Leadership transitioned smoothly, with Steve Cunningham as CEO and Scott Cornelis as CFO, focusing on continued growth and innovation.
Announced a definitive agreement to acquire Grasshopper Bancorp, expected to close in H2 2026, to expand digital banking capabilities, simplify regulatory structure, and provide new funding sources.
Demonstrated strong long-term shareholder returns, outperforming key indices over the past decade.
Financial highlights
Full-year 2025 originations grew 27%, revenue rose to $3.2B (+19%), and adjusted EPS increased 42% to $12.96 year-over-year.
Q4 2025 originations up 32% year-over-year to $2.3B; portfolio reached $4.9B.
Q4 revenue grew 15% year-over-year to $839M; adjusted EPS up 33% to $3.46; adjusted EBITDA up 21% to $211M.
FY 2025 adjusted EBITDA was $821M with a margin of 26%.
Net income for 2025 was $308M, up 47% from 2024.
Outlook and guidance
2026 originations expected to grow ~15% year-over-year, with similar revenue growth and adjusted EPS growth of at least 20%.
Q1 2026 revenue expected to be flat to slightly higher sequentially; adjusted EPS projected to be 20%-25% higher than Q1 2025.
Grasshopper acquisition expected to close in H2 2026, with anticipated adjusted EPS accretion of 15%+ in the first year and 25%+ post-synergies.
Revenue synergies from the acquisition projected at $175M–$230M within two years post-closing.
No contribution from Grasshopper Bank included in 2026 guidance; acquisition expected to close in H2 2026.
Grasshopper acquisition: comprehensive product suite
What underpins the stable credit outlook?
Details on balanced growth strategy?
Post-Grasshopper, capital allocation priorities?
Grasshopper: New consumer market expansion states?
Impact of potential credit card rate caps on Enova?
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Next Enova International earnings date
Q1 202628 Apr, 2026
Enova International
Next Enova International earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Enova International, Inc. provides online installment loans, lines of credit, and merchant cash advances; and point-of-sale financing solutions to customers at the time of purchase through retailers and distributors in the automotive, home improvement, and power sports industries. It also offers access to small business loan products through its TouchSuite platform; and integration with Bluefin Payment Systems for end-to-end encryption methods that help to lower the risk of data breach in retail environments. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.
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