Enova International, Inc.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 20, 2026
ENVA$168.85+0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 15. Exhibits, Financial Statement Schedules
The following consolidated financial statements are filed in Item 8 of Part II of this report:
| Financial Statements: | |
|---|---|
| Report of Independent Registered Public Accounting Firm (Deloitte & Touche LLP; PCAOB ID No. 34) | 66 |
| Consolidated Balance Sheets – December 31, 2025 and 2024 | 68 |
| Consolidated Statements of Income – Years Ended December 31, 2025, 2024 and 2023 | 70 |
| Consolidated Statements of Comprehensive Income – Years Ended December 31, 2025, 2024 and 2023 | 71 |
| Consolidated Statements of Stockholders’ Equity – Years Ended December 31, 2025, 2024 and 2023 | 72 |
| Consolidated Statements of Cash Flows – Years Ended December 31, 2025, 2024 and 2023 | 73 |
| Notes to Consolidated Financial Statements | 74 |
| Exhibit No. · Exhibit Description · Form · File No. · Exhibit · Filing Date · FiledHerewith | |||||
|---|---|---|---|---|---|
| 2.1 | Separation and Distribution Agreement between Cash America International, Inc. and Enova International, Inc. | 8-K | 001-35503 | 2.1 | 11/19/2014 |
| 2.2 | Agreement and Plan of Merger dated as of July 28, 2020, among Enova International, Inc., Energy Merger Sub, Inc. and On Deck Capital, Inc. | 8-K | 001-35503 | 2.1 | 12/28/2020 |
| 2.3 | Agreement and Plan of Merger, by and between Enova International, Inc. and Grasshopper Bancorp, Inc., dated December 10, 2025 | 8-K | 001-35503 | 2.1 | 12/11/2025 |
| 3.1 | Enova International, Inc. Restated Certificate of Incorporation | 10-Q | 001-35503 | 3.1 | 7/28/2023 |
| 3.2 | Enova International, Inc. Amended and Restated Bylaws | 8-K | 001-35503 | 3.1 | 11/17/2017 |
| 4.1 | Specimen common stock certificate | 10-12B | 001-35503 | 4.1 | 10/2/2014 |
| 4.2 | Description of the Registrant’s Securities | 10-K | 001-35503 | 4.2 | 2/27/2020 |
| 4.3 | Indenture, dated as of December 6, 2023, by and among Enova International, Inc., each of the guarantors party thereto and Computershare Trust Company, N.A., as trustee and the Form of 11.25% Senior Note due 2028 (included as Exhibit A). | 8-K | 001-35503 | 4.1 | 12/11/2023 |
| 4.4 | Indenture, dated as of August 12, 2024, by and among Enova International, Inc., each of the guarantors party thereto and Computershare Trust Company, N.A., as trustee, and the Form of 9.125% Senior Note due 2029 (included as Exhibit A) (incorporated by reference to Exhibit 4.1 to the Company’s Form 8-K filed on August 12, 2024) | 10-Q | 001-35503 | 4.1 | 7/23/2024 |
| 4.5 | Base Indenture, dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, | 10-Q | 001-35503 | 4.1 | 10/25/2023 |
| LLC, as Issuer and Deutsche Bank Trust Company Americas, as Indenture Trustee of Asset Backed Notes (Issuable in Series of Notes) | |||||
|---|---|---|---|---|---|
| 4.6 | Series 2023-1 Indenture Supplement dated as of July 27, 2023 to Base Indenture dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer and Deutsche Bank Trust Company Americas, as Indenture Trustee of up to $378,417,000 of Asset Backed Notes | 10-Q | 001-35503 | 4.2 | 10/25/2023 |
| 4.7 | Series 2024-1 Indenture Supplement, dated as of May 17, 2024, to Base Indenture dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $500,149,970 of Asset Backed Notes | 10-Q | 001-35503 | 4.2 | 7/24/2024 |
| 4.8 | Indenture, dated as of March 3, 2023, by and among NetCredit Combined Receivables 2023, LLC, as Issuer, and Citibank, N.A., as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary | 10-Q | 001-35503 | 4.3 | 7/24/2024 |
| 4.9 | Indenture, dated as of May 31, 2024, by and among NetCredit Combined Receivables 2024, LLC, as Issuer, and Citibank, N.A., as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary | 10-Q | 001-35503 | 4.1 | 7/24/2024 |
| 4.10 | Series 2024-2 Indenture Supplement, dated as of October 2, 2024, to Base Indenture dated as of July 27, 2023, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $261,353,000 of Asset Backed Notes | 10-K | 001-35503 | 4.10 | 2/18/2025 |
| 4.11 | First Amendment to Indenture, dated as of July 31, 2024, by and between NetCredit Combined Receivables 2024, LLC and Citibank, N.A., as Indenture Trustee, Securities Intermediary, Note Registrar and Paying Agent | 10-K | 001-35503 | 4.11 | 2/18/2025 |
| 4.12 | First Amendment to Indenture, dated as of August 9, 2024, by and between NetCredit Combined Receivables 2023, LLC and Citibank, N.A., as Indenture Trustee, Securities Intermediary, Note Registrar and Paying Agent | 10-K | 001-35503 | 4.12 | 2/18/2025 |
| 4.13 | Series 2025-1 Indenture Supplement, dated as of March 20, 2025, to Base Indenture dated as of July 27, 2023 and amended as of March 20, 2025, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $261,392,000 of Asset Backed Notes | 10-Q | 001-35503 | 4.1 | 4/29/2025 |
| 4.14 | First Supplement to the Base Indenture, dated as of March 20, 2025, between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee | 10-Q | 001-35503 | 4.2 | 4/29/2025 | |
| 4.15 | Indenture, dated as of May 30, 2025, by and among NetCredit Combined Receivables A, LLC, as Issuer, and Citibank, N.A., as Indenture Trustee, Paying Agent, Note Registrar and Securities Intermediary | 10-Q | 001-35503 | 4.1 | 7/25/2025 | |
| 4.16 | Series 2025-2 Indenture Supplement, dated as of November 13, 2025, to Base Indenture dated as of July 27, 2023 and amended as of March 20, 2025 and further amended as of November 13, 2025, by and between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee, of up to $261,434,000 of Asset Backed Notes | X | ||||
| 4.17 | Second Supplement to the Base Indenture, dated as of November 13, 2025, between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee | X | ||||
| 4.18 | Omnibus First Supplement to Series 2023-1 Indenture Supplement, Series 2024-1 Indenture Supplement, Series 2024-2 Indenture Supplement and Series 2025-1 Indenture Supplement, dated as of November 13, 2025, between OnDeck Asset Securitization IV, LLC, as Issuer, and Deutsche Bank Trust Company Americas, as Indenture Trustee | X | ||||
| 10.1 | Enova International, Inc. 2014 Long-Term Incentive Plan* | 10-Q | 001-35503 | 10.1 | 11/14/2014 | |
| 10.2 | Enova International, Inc. Fourth Amended and Restated 2014 Long-Term Incentive Plan* | DEF 14A | 001-35503 | Appendix A | 3/28/2024 | |
| 10.3 | Enova International, Inc. Senior Executive Bonus Plan* | DEF 14A | 001-35503 | Appendix B | 4/7/2016 | |
| 10.4 | Enova International, Inc. Amended and Restated Senior Executive Bonus Plan* | 10-Q | 001-35503 | 10.1 | 7/31/2019 | |
| 10.5 | Enova International, Inc. Supplemental Executive Retirement Plan, as amended and restated effective September 13, 2017* | 10-Q | 001-35503 | 10.1 | 11/1/2017 | |
| 10.6 | Amended and Restated Enova International, Inc. Nonqualified Savings Plan* | 8-K | 001-35503 | 10.1 | 5/16/2023 | |
| 10.7 | Form of Enova International, Inc. Severance Pay Plan for Executives* | 10-12B | 001-35503 | 10.12 | 10/2/2014 | |
| 10.8 | Form of Enova International, Inc. Senior Executive Bonus Plan* | 10-12B | 001-35503 | 10.13 | 10/2/2014 | |
| 10.9 | Summary of 2014 Terms and Conditions of the Enova International, Inc. Short-Term Incentive Plan* | 10-12B | 001-35503 | 10.14 | 10/2/2014 |
| 10.10 | Enova International, Inc. Amended and Restated Annual Short Term Incentive Plan* | 10-Q | 001-35503 | 10.2 | 7/31/2019 |
| 10.11 | Form of Executive Change-in-Control Severance and Restrictive Covenant Agreement (Chief Executive Officer)* | 10-K | 001-35503 | 10.12 | 2/28/2022 |
| 10.12 | Form of Executive Change-in-Control Severance and Restrictive Covenant Agreement (Executive Officers other than the CEO)* | 10-K | 001-35503 | 10.13 | 2/28/2022 |
| 10.13 | Form of Enova International, Inc. Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units* | 10-K | 001-35503 | 10.14 | 2/23/2024 |
| 10.14 | Form of Enova International, Inc. Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Grant of Restricted Stock Units* | 10-K | 001-35503 | 10.14 | 2/18/2025 |
| 10.15 | Form of Enova International, Inc. Third Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right* | 10-K | 001-35503 | 10.15 | 2/23/2024 |
| 10.16 | Form of Enova International, Inc. Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right* | 10-K | 001-35503 | 10.16 | 2/18/2025 |
| 10.17 | Form of Enova International, Inc. Fourth Amended and Restated 2014 Long-Term Incentive Plan Award Agreement for Special Grant of Nonqualified Stock Option with a Limited Stock Appreciation Right | 10-Q | 001-35503 | 10.1 | 10/24/2025 |
| 10.18 | Lease Agreement, dated July 25, 2014, between 175 Jackson L.L.C. and Enova International, Inc. | 10-12B | 001-35503 | 10.11 | 10/22/2014 |
| 10.19 | Second Amendment to Lease Agreement, dated September 13, 2017, between 175 Jackson L.L.C. and Enova International, Inc. | 10-Q | 001-35503 | 10.2 | 11/1/2017 |
| 10.20 | Amendment No. 5 to Fourth Amended and Restated Credit Agreement, dated as of December 24, 2020, among Receivable Assets of OnDeck, LLC, as Borrower, the Lenders party thereto and Truist Bank, as Administrative Agent (Portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K.) | 10-K | 001-35503 | 10.36 | 2/26/2021 |
| 10.21 | Amendment No. 6 to Fourth Amended and Restated Credit Agreement, dated as of July 16, 2021, among Receivable Assets of OnDeck, | 10-Q | 001-35503 | 10.1 | 10/29/2021 |
| LLC, as Borrower, the Lenders party thereto and Truist Bank, as Administrative Agent | |||||
|---|---|---|---|---|---|
| 10.22 | Credit Agreement dated as of November 17, 2021 among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent | 10-K | 001-35503 | 10.39 | 2/28/2022 |
| 10.23 | Amendment No. 7 to Fourth Amended and Restated Credit Agreement, dated as of March 18, 2022, among Receivable Assets of OnDeck, LLC, as Borrower, the Lenders party thereto and Truist Bank, as Administrative Agent | 10-Q | 001-35503 | 10.2 | 5/3/2022 |
| 10.24 | First Amendment to Credit Agreement, dated March 29, 2022 among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent | 10-Q | 001-35503 | 10.4 | 5/3/2022 |
| 10.25 | Amended and Restated Credit Agreement among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party hereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party hereto, as Guarantors, the Lenders party hereto, and Bank of Montreal, as Administrative Agent and Collateral Agent dated as of June 23, 2022 | 10-Q | 001-35503 | 10.2 | 7/29/2022 |
| 10.26 | Credit Agreement dated June 30, 2022 among OnDeck Receivables 2022, LLC, various lenders, and BMO Capital Markets Corp., as Administrative Agent and Collateral Agent, and Deutsche Bank Trust Company Americas, as Paying Agent | 10-Q | 001-35503 | 10.1 | 7/29/2022 |
| 10.27 | Note Issuance and Purchase Agreement among NetCredit Receivables 2022, LLC as Issuer, Citibank, N.A. as Collateral Agent and Paying Agent, Jefferies Funding LLC as Initial Note Purchaser, each of note purchasers from time to time party hereto, and Jefferies Funding LLC, as Administrative Agent dated as of October 21, 2022 | 10-K | 001-35503 | 10.46 | 2/24/2023 |
| 10.28 | Third Amendment to Credit Agreement, dated November 18, 2022, among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent | 10-K | 001-35503 | 10.47 | 2/24/2023 |
| 10.29 | Amendment No. 8 to Fourth Amended and Restated Credit Agreement, dated as of November 18, 2022, among Receivable Assets of OnDeck, LLC, as Borrower, the Lenders party thereto and Truist Bank, as Administrative Agent | 10-K | 001-35503 | 10.48 | 2/24/2023 |
| 10.30 | Third Amendment to Lease Agreement, dated March 21, 2023, between Mark Zettl, as Court Appointed Receiver, and Enova International, Inc. | 10-Q | 001-35503 | 10.1 | 4/28/2023 |
| 10.31 | Credit Agreement, dated May 25, 2023, among HWC Receivables 2023, LLC as Company, various lenders, Headway Capital, LLC as Originator and BNP Paribas as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas as Paying Agent | 10-Q | 001-35503 | 10.1 | 7/28/2023 |
| 10.32 | First Amendment to Amended and Restated Credit Agreement among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party hereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party hereto, as Guarantors, the Lenders party hereto, and Bank of Montreal, as Administrative Agent and Collateral Agent dated as of October 19, 2023 | 10.K | 001-35503 | 10.43 | 2/23/2024 |
| 10.33 | Amendment No. 7 to Credit Agreement, dated November 15, 2023, among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent and Deutsche Bank Trust Company Americas, as Paying Agent | 10.K | 001-35503 | 10.44 | 2/23/2024 |
| 10.34 | Note Issuance and Purchase Agreement among NetCredit LOC Receivables 2024, LLC as Issuer, Citibank, N.A. as Collateral Agent and Paying Agent, each of the note purchasers listed on Schedule I thereto as Initial Note Purchasers, each of the other note purchasers from time to time party thereto, and Midtown Madison Management LLC, as Administrative Agent dated as of February 21, 2024 | 10-Q | 001-35503 | 10.1 | 4/24/2024 |
| 10.35 | Omnibus Amendment - Amendment No. 2 to Credit Agreement, Amendment to Backup Servicing Agreement and Reaffirmation of Performance Guaranty, dated as of June 27, 2024, by and among OnDeck Receivables 2022, LLC, various lenders, BMO Capital Markets Corp., as Administrative Agent and Collateral Agent, ODK Capital, LLC, as Servicer, Vervent Inc., as Backup Servicer, and Enova International, Inc., as Performance Guarantor | 10-Q | 001-35503 | 10.1 | 7/24/2024 |
| 10.36 | Second Amendment to Amended and Restated Credit Agreement among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party thereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party thereto, as Guarantors, the Lenders party thereto, and Bank of Montreal, as Administrative Agent and Collateral Agent, dated as of September 11, 2024 | 10-Q | 001-35503 | 10.1 | 10/23/2024 |
| 10.37 | Omnibus Amendment - Amendment No. 1 to Credit Agreement and Amendment to Security Agreement, dated as of September 18, 2024, among HWC Receivables 2023, LLC, as company, the lenders party thereto, Headway Capital, LLC, as originator, Enova International, Inc., as performance guarantor, and BNP Paribas, as administrative agent and as collateral agent | 10-Q | 001-35503 | 10.2 | 10/23/2024 |
| 10.38 | Second Amendment to Note Issuance and Purchase Agreement among NetCredit Receivables 2022, LLC as Issuer, Citibank, N.A. as Collateral Agent and Paying Agent, Jefferies Funding LLC as Administrative Agent and Initial Note Purchaser, Citibank, N.A., as Collateral Agent and Paying Agent, and the note purchasers from time to time party thereto, as dated as of October 15, 2024 | 10-K | 001-35503 | 10.41 | 2/18/2025 |
| 10.39 | Amendment No. 10 to Fourth Amended and Restated Credit Agreement and Omnibus Amendment, dated as of November 18, 2024, among Receivable Assets of OnDeck, LLC, as Borrower, Vervent Inc., as Backup Servicer, the lenders party thereto from time to time, Computershare Trust Company, National Association, as Custodian and Collateral Agent, and Truist Bank, as Administrative Agent | 10-K | 001-35503 | 10.42 | 2/18/2025 |
| 10.40 | Amendment No. 8 to Credit Agreement, dated as of March 20, 2025, among OnDeck Receivables 2021, LLC, various lenders, and JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent, and Deutsche Bank Trust Company Americas, as Paying Agent | 10-Q | 001-35503 | 10.1 | 4/29/2025 |
| 10.41 | Third Amendment to Amended and Restated Credit Agreement and Joinder, dated as of August 28, 2025, among Enova International, Inc., as a Borrower and the Parent, certain restricted subsidiaries of the Parent from time to time party thereto, as Borrowers, certain restricted subsidiaries of the Parent from time to time party thereto, as Guarantors, the Lenders party thereto, and Bank of Montreal, as Administrative Agent and Collateral Agent | 10-Q | 001-35503 | 10.2 | 10/24/2025 |
| 10.42 | Loan and Security Agreement, dated as of July 17, 2025, among NetCredit LOC Receivables 2025, LLC, as Borrower, Banc of California, as Administrative Agent and Initial Class A Lender, Omaha ABF V LLC and Omaha ABF VII LLC, each as an Initial Class B Lender, and each of the other lenders from time to time party thereto | 10-Q | 001-35503 | 10.3 | 10/24/2025 |
| 10.43 | Form of Voting Agreement, by and among Enova International, Inc., Grasshopper Bancorp, Inc., and certain stockholders of Grasshopper Bancorp, Inc. | 8-K | 001-35503 | 10.1 | 10/11/2025 |
| 10.44 · Amendment No. 11 to Fourth Amended and Restated Credit Agreement, dated as of October 10, 2025, by and among Receivable Assets of OnDeck, LLC, the lenders party thereto and Truist Bank, as Administrative Agent · X | ||||||
|---|---|---|---|---|---|---|
| 10.45 · First Amendment to Note Issuance and Purchase Agreement, dated as of October 17, 2025, by and among NetCredit LOC Receivables 2024, LLC, the note purchasers party thereto, Citibank, N.A. as Collateral Trustee, and Midtown Madison Management LLC, as Administrative Agent · X | ||||||
| 10.46 · Amendment No. 3 to Credit Agreement and Reaffirmation of Performance Guaranty, dated as of November 7, 2025, by and among OnDeck Receivables 2022, LLC, the lenders from time to time parties thereto, BMO Capital Markets Corp., as Administrative Agent and Collateral Agent, and Enova International, Inc., as Performance Guarantor · X | ||||||
| 10.47 · Amendment No. 9 to Credit Agreement, dated as of November 14, 2025, among OnDeck Receivables 2021, LLC, various lenders, JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent, and Deutsche Bank Trust Company Americas, as Paying Agent · X | ||||||
| 10.48 · Amendment No. 10 to Credit Agreement, dated as of November 24, 2025, among OnDeck Receivables 2021, LLC, various lenders, JPMorgan Chase Bank, N.A., as Administrative Agent and Collateral Agent, and Deutsche Bank Trust Company Americas, as Paying Agent · X | ||||||
| 19.1 · Enova International, Inc. Insider Trading Policy · X | ||||||
| 21.1 · Subsidiaries of Enova International, Inc. · X | ||||||
| 23.1 · Consent of Deloitte & Touche LLP · X | ||||||
| 31.1 · Certification of Chief Executive Officer · X | ||||||
| 31.2 · Certification of Chief Financial Officer · X | ||||||
| 32.1 · Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 · X | ||||||
| 32.2 · Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 · X | ||||||
| 97.1 | Enova International, Inc. Policy for The Recovery of Erroneously Awarded Incentive Compensation | 10-K | 001-35503 | 97.1 | 2/18/2025 | |
| 101.INS | Inline XBRL Instance Document - the instance document does not appear in the Interactive | X(2) | ||||
| Data File because its XBRL tags are embedded within the Inline XBRL document.(1) | ||
| 101.SCH | Inline XBRL Taxonomy Extension Schema with Embedded Linkbases Document(1) | X(2) |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) | X(2) |
- Indicates management contract or compensatory plan, contract or arrangement.
(1)
Attached as Exhibit 101 to this report are the following formatted in XBRL (Extensible Business Reporting Language): (i) Consolidated Balance Sheets at December 31, 2025 and December 31, 2024; (ii) Consolidated Statements of Income for the years ended December 31, 2025, December 31, 2024 and December 31, 2023; (iii) Consolidated Statements of Comprehensive Income for the years ended December 31, 2025, December 31, 2024 and December 31, 2023; (iv) Consolidated Statements of Stockholders’ Equity at December 31, 2025, December 31, 2024 and December 31, 2023; (v) Consolidated Statements of Cash Flows for the years ended December 31, 2025, December 31, 2024 and December 31, 2023; and (vi) Notes to Consolidated Financial Statements.
(2)
Submitted electronically herewith.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.