Enova International : Supplemental Financial Information (Supplemental Earnings Release Tables 2026Q1)

Published: 2026-04-23 17:29:21 ET ENVA

Published on 04/23/2026 at 05:29 pm EDT

(In thousands, except per share data)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Statement of Income Data:

Revenue

$ 609,889

$ 628,436

$ 689,924

$ 729,551

$ 2,657,800

$ 745,541

$ 764,043

$ 802,678

$ 839,391

$ 3,151,653

$ 875,142

Change in Fair Value

(262,106)

(255,980)

(287,037)

(314,091)

(1,119,214)

(317,480)

(320,556)

(339,872)

(335,483)

(1,313,391)

(344,300)

Cost of Revenue

(1,917)

(2,265)

(2,531)

(2,424)

(9,137)

(1,879)

(2,029)

(2,099)

(2,014)

(8,021)

(1,883)

Net Revenue

345,866

370,191

400,356

413,036

1,529,449

426,182

441,458

460,707

501,894

1,830,241

528,959

Operating Expenses

Marketing

110,567

120,765

141,059

151,178

523,569

139,291

142,848

147,351

191,587

621,077

189,415

Operations and technology

54,379

54,953

56,628

58,431

224,391

62,462

63,648

64,564

67,505

258,179

75,751

General and administrative

39,865

39,708

38,916

38,035

156,524

42,464

40,508

39,661

47,089

169,722

47,778

Depreciation and amortization

10,263

9,709

10,039

10,196

40,207

10,061

10,348

12,356

9,066

41,831

8,909

Total Operating Expenses

215,074

225,135

246,642

257,840

944,691

254,278

257,352

263,932

315,247

1,090,809

321,853

Income from Operations

130,792

145,056

153,714

155,196

584,758

171,904

184,106

196,775

186,647

739,432

207,106

Interest expense

(65,597)

(70,954)

(76,902)

(76,989)

(290,442)

(80,544)

(82,781)

(86,954)

(89,026)

(339,305)

(94,046)

Foreign currency transaction (loss) gain

(48)

(19)

(95)

(902)

(1,064)

(452)

134

595

367

(496)

Equity method investment income (loss)

(16,552)

(16,460)

120

613

258

568

1,559

301

Other nonoperating expenses

(492)

(521)

(4,678)

(5,691)

(1,019)

Income before Income Taxes

64,655

73,562

55,487

77,397

271,101

91,028

101,053

110,169

98,784

401,034

112,865

Provision for income taxes

16,227

19,651

12,073

13,702

61,653

18,083

24,904

29,855

19,803

92,645

21,766

Net income

$ 48,428

$ 53,911

$ 43,414

$ 63,695

$ 209,448

$ 72,945

$ 76,149

$ 80,314

$ 78,981

$ 308,389

$ 91,099

Earnings Per Share

Earnings per common share:

Basic

$ 1.72

$ 2.00

$ 1.64

$ 2.44

$ 7.78

$ 2.84

$ 3.01

$ 3.22

$ 3.19

$ 12.25

$ 3.66

Diluted

$ 1.64

$ 1.93

$ 1.57

$ 2.30

$ 7.43

$ 2.69

$ 2.86

$ 3.03

$ 3.00

$ 11.52

$ 3.46

Weighted average common shares outstanding:

Basic

28,196

26,938

26,420

26,141

26,920

25,676

25,297

24,955

24,758

25,169

24,874

Diluted

29,503

27,941

27,711

27,666

28,202

27,104

26,646

26,472

26,357

26,775

26,349

Balance Sheet Data (at period end):

Cash and cash equivalents

$ 76,458

$ 60,138

$ 67,500

$ 73,910

$ 55,514

$ 55,560

$ 53,600

$ 71,709

$ 96,130

Loans and finance receivables at fair value

3,795,210

3,939,159

4,134,440

4,386,444

4,569,819

4,773,315

5,012,853

5,471,544

5,872,957

Total assets

4,636,527

4,817,091

4,975,696

5,266,131

5,457,258

5,724,753

5,962,237

6,468,432

6,877,251

Long-term debt

3,040,867

3,194,121

3,293,735

3,563,482

3,757,351

3,963,514

4,106,471

4,498,381

4,832,542

Total stockholder's equity

1,150,211

1,147,528

1,178,693

1,196,924

1,196,650

1,228,655

1,283,675

1,336,724

1,401,783

(Dollars in thousands)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Net income

$ 48,428

$ 53,911

$ 43,414

$ 63,695

$ 209,448

$ 72,945

$ 76,149

$ 80,314

$ 78,981

$ 308,389

$ 91,099

Depreciation and amortization expenses

10,263

9,709

10,039

10,196

40,207

10,061

10,348

12,356

9,066

41,831

8,909

Interest expense, net

65,597

70,954

76,902

76,989

290,442

80,544

82,781

86,954

89,026

339,305

94,046

Foreign currency transaction loss (gain)

902

1,064

452

(134)

(90)

(595)

(367)

496

Provision for income taxes

16,227

19,651

12,073

13,702

61,653

18,083

24,904

29,855

19,803

92,645

21,766

Stock-based compensation expense

7,639

7,764

8,116

8,297

31,816

7,936

8,106

8,535

8,519

33,096

8,709

Adjustments:

Transaction-related costs(a)

327

6,566

2,650

Equity method investment loss (income)(b)

16,552

(92)

16,460

(120)

(613)

(258)

(568)

(1,559)

(301)

Other nonoperating expenses(c)

492

521

4,678

5,691

1,019

Adjusted EBITDA

$ 149,021

$ 162,529

$ 171,869

$ 173,689

$ 657,108

$ 189,901

$ 202,560

$ 217,666

$ 210,798

$ 820,925

$ 227,374

Adjusted EBITDA margin calculated as follows:

Total Revenue

$ 609,889

$ 628,436

$ 689,924

$ 729,551

$ 2,657,800

$ 745,541

$ 764,043

$ 802,678

$ 839,391

$ 3,151,653

$ 875,142

Adjusted EBITDA

$ 149,021

$ 162,529

$ 171,869

$ 173,689

$ 657,108

$ 189,901

$ 202,560

$ 217,666

$ 210,798

$ 820,925

$ 227,374

Adjusted EBITDA as a percentage of total revenue

24.4%

25.9%

24.9%

23.8%

24.7%

25.5%

26.5%

27.1%

25.1%

26.0%

In the first quarter of 2026 and the fourth quarter of 2025, the Company recorded costs related to the announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank. In the first quarter of 2024, the Company recorded costs related to a consent solicitation for the Senior Notes due 2025.

In the third quarter of 2024, the Company recorded a write-down of its investment in Linear.

In the second quarter of 2025 and the first, second and third quarters of 2024, the Company recorded losses on early extinguishment of debt related to the repayment of debt.

(Dollars in thousands)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Net income attributable to Enova International, Inc.

$ 48,428

$ 53,911

$ 43,414

$ 63,695

$ 209,448

$ 72,945

$ 76,149

$ 80,314

$ 78,981

$ 308,389

$ 91,099

Adjustments:

Transaction-related costs(a)

327

6,566

2,650

Equity method investment loss (income)(b)

16,552

(92)

16,460

(120)

(613)

(258)

(568)

(1,559)

(301)

Other nonoperating expenses(c)

492

521

4,678

5,691

1,019

Intangible asset amortization

2,014

2,013

2,014

8,055

2,014

2,013

2,014

1,249

7,290

1,250

Stock-based compensation expense

7,639

7,764

8,116

8,297

31,816

7,936

8,106

8,535

8,519

33,096

8,709

Foreign currency transaction loss (gain)

902

1,064

452

(134)

(90)

(595)

(367)

496

Cumulative tax effect of adjustments

(2,642)

(2,590)

(6,949)

(2,608)

(14,789)

(2,488)

(488)

(1,692)

(2,860)

(7,528)

(1,971)

Adjusted earnings

$ 56,306

$ 61,638

$ 67,920

$ 72,208

$ 258,072

$ 80,739

$ 86,052

$ 88,823

$ 91,292

$ 346,906

$ 101,932

Diluted earnings per share

$ 1.64

$ 1.93

$ 1.57

$ 2.30

$ 7.43

$ 2.69

$ 2.86

$ 3.03

$ 3.00

$ 11.52

$ 3.46

Adjusted earnings per share

$ 1.91

$ 2.21

$ 2.45

$ 2.61

$ 9.15

$ 2.98

$ 3.23

$ 3.36

$ 3.46

$ 12.96

$ 3.87

In the third quarter of 2024, the Company recorded a write-down of its investment in Linear.

In the second quarter of 2025 and the first, second and third quarters of 2024, the Company recorded losses on early extinguishment of debt related to the repayment of debt.

(Dollars in thousands)

2024

2025

2026

Consumer loans and finance receivables:

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

First

Quarter

Total combined loan and finance receivable principal (b)

$ 1,117,144

$ 1,189,214

$ 1,284,322

$ 1,373,873

$ 1,341,581

$ 1,391,827

$ 1,413,912

$ 1,465,594

$ 1,452,170

Ending combined loan and finance receivable fair value balance (b)

1,361,938

1,439,098

1,552,280

1,667,721

1,637,562

1,692,113

1,719,211

1,790,617

1,784,477

Fair value as a % of principal(a)(b)

121.9%

121.0%

120.9%

121.4%

122.1%

121.6%

122.2%

122.9%

Ending combined loan and finance receivable balance, including principal and accrued fees/interest outstanding (b)

$ 1,221,597

$ 1,300,696

$ 1,412,679

$ 1,506,796

$ 1,467,465

$ 1,522,172

$ 1,546,739

$ 1,596,112

$ 1,578,923

Average combined loan and finance receivable balance (b)(c)

$ 1,257,633

$ 1,258,576

$ 1,363,871

$ 1,451,409

$ 1,497,514

$ 1,485,695

$ 1,545,673

$ 1,548,295

$ 1,592,989

Revenue

364,731

367,558

410,884

433,648

430,825

428,311

443,413

445,565

445,807

Change in fair value

(182,979)

(164,011)

(203,647)

(212,947)

(217,057)

(215,393)

(246,789)

(225,915)

(215,541)

Net revenue

181,752

203,547

207,237

220,701

213,768

212,918

196,624

219,650

230,266

Net revenue margin

49.8%

55.4%

50.4%

50.9%

49.6%

49.7%

44.3%

49.3%

51.7%

Delinquencies:

>30 days delinquent

$ 84,137

$ 82,169

$ 123,369

$ 123,442

$ 120,598

$ 121,333

$ 142,240

$ 124,894

$ 125,290

>30 days delinquent as a % of combined loan and finance receivable

balance(a)(b)

6.9%

6.3%

8.7%

8.2%

8.0%

9.2%

7.8%

7.9%

Charge-offs:

Charge-offs (net of recoveries)

$ 187,419

$ 161,171

$ 203,588

$ 233,139

$ 227,785

$ 215,004

$ 249,545

$ 247,598

$ 227,637

Charge-offs (net recoveries) as a % of average combined loan and

finance receivable balance(b)(c)

14.9%

12.8%

14.9%

16.1%

15.2%

14.5%

16.1%

16.0%

14.3%

Amounts as a % of loan balance are determined using period-end balances.

Non-GAAP measure.

The average combined loan and finance receivable balance is the average of the month-end balances during the period.

(Dollars in thousands)

2024

2025

2026

Small business loans and finance receivables:

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

First

Quarter

Total principal

$ 2,192,066

$ 2,246,925

$ 2,327,336

$ 2,456,430

$ 2,637,651

$ 2,766,048

$ 2,948,290

$ 3,301,076

$ 3,661,184

Ending fair value balance

2,448,045

2,517,345

2,607,606

2,747,137

2,953,482

3,104,979

3,318,014

3,707,075

4,109,405

Fair value as a % of principal(a)

111.7%

112.0%

111.8%

112.0%

112.3%

112.5%

112.3%

112.2%

Ending loan and finance receivable balance, including principal and accrued fees/interest outstanding

$ 2,229,917

$ 2,283,971

$ 2,351,885

$ 2,483,516

$ 2,667,734

$ 2,796,517

$ 2,974,371

$ 3,328,524

$ 3,696,655

Average loan and finance receivable balance (b)

$ 2,133,422

$ 2,240,893

$ 2,313,142

$ 2,412,795

$ 2,591,661

$ 2,734,474

$ 2,882,684

$ 3,157,860

$ 3,547,257

Revenue

236,477

251,782

269,454

285,762

304,596

326,266

348,310

383,015

417,500

Change in fair value

(79,127)

(91,969)

(83,390)

(101,144)

(100,423)

(105,163)

(93,083)

(109,568)

(128,759)

Net revenue

157,350

159,813

186,064

184,618

204,173

221,103

255,227

273,447

288,741

Net revenue margin

66.5%

63.5%

69.1%

64.6%

67.0%

67.8%

73.3%

71.4%

69.2%

Delinquencies:

>30 days delinquent

$ 195,522

$ 185,884

$ 170,470

$ 174,390

$ 197,758

$ 184,250

$ 185,147

$ 207,270

$ 262,974

>30 days delinquent as a % of loan and finance receivable balance (a)

8.8%

8.1%

7.2%

7.0%

7.4%

6.6%

6.2%

7.1%

Charge-offs:

Charge-offs (net of recoveries)

$ 99,279

$ 107,215

$ 105,737

$ 109,044

$ 122,551

$ 127,876

$ 128,266

$ 144,477

$ 162,957

Charge-offs (net recoveries) as a % of average loan and finance

receivable balance(b)

4.7%

4.8%

4.6%

4.5%

4.7%

4.4%

4.6%

Amounts as a % of loan and finance receivable balance are determined using period-end balances.

The average loan and finance receivable balance is the average of the month-end balances during the period.

(Dollars in thousands)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Consumer loans and finance receivables

$ 364,731

$ 367,558

$ 410,884

$ 433,648

$ 1,576,821

$ 430,825

$ 428,311

$ 443,413

$ 445,565

$ 1,748,114

$ 445,807

Small business loans and finance receivables

236,477

251,782

269,454

285,762

1,043,475

304,596

326,266

348,310

383,015

1,362,187

417,500

Total loans and finance receivables revenue

601,208

619,340

680,338

719,410

2,620,296

735,421

754,577

791,723

828,580

3,110,301

863,307

Other

8,681

9,096

9,586

10,141

37,504

10,120

9,466

10,955

10,811

41,352

11,835

Total revenue

$ 609,889

$ 628,436

$ 689,924

$ 729,551

$ 2,657,800

$ 745,541

$ 764,043

$ 802,678

$ 839,391

$ 3,151,653

$ 875,142

2024 2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Consumer loans and finance receivables

59.8%

58.5%

59.6%

59.4%

59.3%

57.8%

56.1%

55.2%

53.1%

55.5%

50.9%

Small business loans and finance receivables

38.8%

40.1%

39.0%

39.2%

39.3%

40.8%

42.7%

43.4%

45.6%

43.2%

47.7%

Total loans and finance receivables revenue

98.6%

98.8%

98.6%

98.7%

98.6%

Other

1.4%

1.2%

1.4%

1.3%

1.4%

Total revenue

100.0%

(Dollars in thousands)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Domestic & International

Revenue

$ 609,889

$ 628,436

$ 689,924

$ 729,551

$ 2,657,800

$ 745,541

$ 764,043

$ 802,678

$ 839,391

$ 3,151,653

$ 875,142

Change in Fair Value

(262,106)

(255,980)

(287,037)

(314,091)

(1,119,214)

(317,480)

(320,556)

(339,872)

(335,483)

(1,313,391)

(344,300)

Cost of Revenue

(1,917)

(2,265)

(2,531)

(2,424)

(9,137)

(1,879)

(2,029)

(2,099)

(2,014)

(8,021)

(1,883)

Net Revenue

$ 345,866

$ 370,191

$ 400,356

$ 413,036

$ 1,529,449

$ 426,182

$ 441,458

$ 460,707

$ 501,894

$ 1,830,241

$ 528,959

Net Revenue Margin

56.7%

58.9%

58.0%

56.6%

57.5%

57.2%

57.8%

57.4%

59.8%

58.1%

60.4%

Total Operating Expenses Excluding

Depreciation and Amortization

$ 160,282

$ 173,820

$ 192,417

$ 205,091

$ 731,610

$ 197,483

$ 202,391

$ 206,610

$ 254,782

$ 861,266

$ 259,494

Depreciation and Amortization

6,396

5,778

6,000

6,097

24,271

5,988

6,064

6,425

5,518

23,995

5,536

Income from Operations

$ 179,188

$ 190,593

$ 201,939

$ 201,848

$ 773,568

$ 222,711

$ 233,003

$ 247,672

$ 241,594

$ 944,980

$ 263,929

Corporate Services

Total Operating Expenses Excluding

Depreciation and Amortization

$ 44,529

$ 41,606

$ 44,186

$ 42,553

$ 172,874

$ 46,734

$ 44,613

$ 44,966

$ 51,399

$ 187,712

$ 53,450

Depreciation and Amortization

3,867

3,931

4,039

4,099

15,936

4,073

4,284

5,931

3,548

17,836

3,373

Income from Operations

$ (48,396)

$ (45,537)

$ (48,225)

$ (46,652)

$ (188,810)

$ (50,807)

$ (48,897)

$ (50,897)

$ (54,947)

$ (205,548)

$ (56,823)

Total

Revenue

$ 609,889

$ 628,436

$ 689,924

$ 729,551

$ 2,657,800

$ 745,541

$ 764,043

$ 802,678

$ 839,391

$ 3,151,653

$ 875,142

Change in Fair Value

(262,106)

(255,980)

(287,037)

(314,091)

(1,119,214)

(317,480)

(320,556)

(339,872)

(335,483)

(1,313,391)

(344,300)

Cost of Revenue

(1,917)

(2,265)

(2,531)

(2,424)

(9,137)

(1,879)

(2,029)

(2,099)

(2,014)

(8,021)

(1,883)

Net Revenue

$ 345,866

$ 370,191

$ 400,356

$ 413,036

$ 1,529,449

$ 426,182

$ 441,458

$ 460,707

$ 501,894

$ 1,830,241

$ 528,959

Net Revenue Margin

56.7%

58.9%

58.0%

56.6%

57.5%

57.2%

57.8%

57.4%

59.8%

58.1%

60.4%

Total Operating Expenses Excluding

Depreciation and Amortization

$ 204,811

$ 215,426

$ 236,603

$ 247,644

$ 904,484

$ 244,217

$ 247,004

$ 251,576

$ 306,181

$ 1,048,978

$ 312,944

Depreciation and Amortization

10,263

9,709

10,039

10,196

40,207

10,061

10,348

12,356

9,066

41,831

8,909

Income from Operations

$ 130,792

$ 145,056

$ 153,714

$ 155,196

$ 584,758

$ 171,904

$ 184,106

$ 196,775

$ 186,647

$ 739,432

$ 207,106

(Dollars in thousands)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

First

Quarter

Consumer loan and finance receivable balances, gross:

Company owned

$ 1,208,551

$ 1,285,755

$ 1,390,882

$ 1,482,970

$ 1,449,511

$ 1,502,158

$ 1,525,989

$ 1,573,763

$ 1,561,056

Guaranteed by the Company

13,046

14,941

21,797

23,826

17,954

20,014

20,750

22,349

17,867

Combined

$ 1,221,597

$ 1,300,696

$ 1,412,679

$ 1,506,796

$ 1,467,465

$ 1,522,172

$ 1,546,739

$ 1,596,112

$ 1,578,923

Small business loan and finance receivable balances, gross:

Company owned

$ 2,229,917

$ 2,283,971

$ 2,351,885

$ 2,483,516

$ 2,667,734

$ 2,796,517

$ 2,974,371

$ 3,328,524

$ 3,696,655

Guaranteed by the Company

Combined

$ 2,229,917

$ 2,283,971

$ 2,351,885

$ 2,483,516

$ 2,667,734

$ 2,796,517

$ 2,974,371

$ 3,328,524

$ 3,696,655

Total loan and finance receivable balances, gross:

Company owned

$ 3,438,468

$ 3,569,726

$ 3,742,767

$ 3,966,486

$ 4,117,245

$ 4,298,675

$ 4,500,360

$ 4,902,287

$ 5,257,711

Guaranteed by the Company

13,046

14,941

21,797

23,826

17,954

20,014

20,750

22,349

17,867

Combined

$ 3,451,514

$ 3,584,667

$ 3,764,564

$ 3,990,312

$ 4,135,199

$ 4,318,689

$ 4,521,110

$ 4,924,636

$ 5,275,578

(Dollars in thousands)

2024

2025

2026

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Second

Quarter

Third

Quarter

Fourth

Quarter

Total

Year

First

Quarter

Combined loan and finance receivable originations

Consumer:

Installment loans

$ 115,930

$ 127,958

$ 156,294

$ 168,783

$ 568,965

$ 139,491

$ 162,752

$ 212,170

$ 211,866

$ 726,279

$ 177,972

Line of credit accounts

301,502

362,682

412,797

432,951

1,509,932

368,754

401,462

377,395

400,839

1,548,450

381,420

Total consumer

417,432

490,640

569,091

601,734

2,078,897

508,245

564,214

589,565

612,705

2,274,729

559,392

Small business

959,935

918,014

1,044,829

1,113,185

4,035,963

1,221,234

1,238,835

1,371,874

1,643,237

5,475,180

1,733,785

Total combined originations

$ 1,377,367

$ 1,408,654

$ 1,613,920

$ 1,714,919

$ 6,114,860

$ 1,729,479

$ 1,803,049

$ 1,961,439

$ 2,255,942

$ 7,749,909

$ 2,293,177

2024 2025 2026

First Second Third Fourth First Second Third Fourth First Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter

Combined loan and finance receivable balances, gross

Consumer:

Installment loans

$ 490,923

$ 491,446

$ 513,063

$ 530,612

$ 523,281

$ 539,127

$ 578,580

$ 611,627

$ 609,822

Line of credit accounts

730,674

809,250

899,616

976,184

944,184

983,045

968,159

984,485

969,101

Total consumer

1,221,597

1,300,696

1,412,679

1,506,796

1,467,465

1,522,172

1,546,739

1,596,112

1,578,923

Small business

2,229,917

2,283,971

2,351,885

2,483,516

2,667,734

2,796,517

2,974,371

3,328,524

3,696,655

Total combined loan and finance receivable balances,

gross:

$ 3,451,514

$ 3,584,667

$ 3,764,564

$ 3,990,312

$ 4,135,199

$ 4,318,689

$ 4,521,110

$ 4,924,636

$ 5,275,578

Net

Disclaimer

Enova International Inc. published this content on April 23, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 23, 2026 at 21:20 UTC.