Enova International, Inc.

For the period ended Sep 30, 2025. Filed Oct 24, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Oct 24, 2025

ENVA$168.85+0.3%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income – Three and Nine Months Ended

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

Three Months Ended · Nine Months Ended
	September 30,		September 30,
	2025	2024	2025	2024
Revenue	$802,678	$689,924	$2,312,262	$1,928,249
Change in Fair Value	(341,971)	(289,568)	(983,915)	(811,836)
Net Revenue	460,707	400,356	1,328,347	1,116,413
Operating Expenses
Marketing	147,351	141,059	429,490	372,391
Operations and technology	64,564	56,628	190,674	165,960
General and administrative	39,661	38,916	122,633	118,489
Depreciation and amortization	12,356	10,039	32,765	30,011
Total Operating Expenses	263,932	246,642	775,562	686,851
Income from Operations	196,775	153,714	552,785	429,562
Interest expense, net	(86,954)	(76,902)	(250,279)	(213,453)
Foreign currency transaction gain (loss)	90	(95)	(228)	(162)
Equity method investment income (loss)	258	(16,552)	991	(16,552)
Other nonoperating expenses	—	(4,678)	(1,019)	(5,691)
Income before Income Taxes	110,169	55,487	302,250	193,704
Provision for income taxes	29,855	12,073	72,842	47,951
Net income	$80,314	$43,414	$229,408	$145,753
Earnings Per Share
Earnings per common share:
Basic	$3.22	$1.64	$9.07	$5.36
Diluted	$3.03	$1.57	$8.53	$5.14
Weighted average common shares outstanding:
Basic	24,955	26,420	25,307	27,182
Diluted	26,472	27,711	26,881	28,382

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.