| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 802.68 | 5.1% | 16.3% |
| Total Income | 802.68 | 5.1% | 16.3% |
| Expenditure | 605.90 | 4.5% | 13.0% |
| PBT | 110.17 | 9.0% | 98.5% |
| Net Profit | 80.31 | 5.5% | 85.0% |
| OPM | 24.52% | 0.42pp | 2.23pp |
| NPM | 10.01% | 0.04pp | 3.71pp |
| EPS | 3.22 | 7.0% | 96.3% |
Enova Reports Q3 2025 Results: Revenue Increased 16% YoY
04 May 2026 · 4 May, 8:51 am
Summary
Enova International reported a solid third quarter in 2025, with total revenue increasing by 16% to $803 million compared to the same period in 2024. Diluted earnings per share increased by 93% to $3.03, and adjusted earnings per share rose by 37% to $3.36. The company's combined loans and finance receivables reached a record $4.5 billion, representing a 20% increase year-over-year. Management expressed confidence in their ability to continue generating meaningful financial results for the remainder of 2025 and beyond.
Key Highlights
- 1
Enova's total revenue of $803 million increased 16% from $690 million in the third quarter of 2024.
- 2
Diluted earnings per share of $3.03 increased 93% compared to the third quarter of 2024.
- 3
Adjusted earnings per share of $3.36 rose 37% compared to the third quarter of 2024.
- 4
The net revenue margin was 57% compared to 58% in the third quarter of 2024.
- 5
Total company combined loans and finance receivables increased 20% from the end of the third quarter of 2024 to a record $4.5 billion.
- 6
Total company originations reached $2.0 billion in the quarter.
- 7
The company repurchased $38 million of common stock during the quarter.
Management Comments
David Fisher
"We are pleased to report another solid quarter driven by strong demand and stable credit performance across both our SMB and consumer businesses." "Our success and vast experience in managing the business through many different operating environments has been fueled by our diversified product offerings, the sophistication of our machine-learning models, outstanding team and online-only model. Looking forward, I am very excited and optimistic about the long-term future of Enova as Steve Cunningham takes over as CEO in January. We are committed to our disciplined focused growth approach and we remain confident in our ability to continue meeting our customers’ needs while creating meaningful value for our shareholders.”
Steve Cunningham
“We are pleased to deliver another solid quarter of top and bottom-line results that were inline or better than our expectations with strong growth in originations, receivables and revenue along with solid credit, operating efficiency and balance sheet flexibility,” “We have delivered six consecutive quarters of year-over-year adjusted EPS growth of at least 25% or more, and we remain confident in our ability to continue to generate meaningful financial results for the remainder of 2025 and beyond.”
Informational and educational content only. Not investment advice.