Enova International, Inc.
For the period ended Sep 30, 2026. Filed Oct 22, 2026.
View on SEC.govAbout 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, 2026 · Filed Oct 22, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2026-06-30; filed 2026-07-23.
0001193125-26-314590
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsDefaults upon Senior SecuritiesMine Safety DisclosuresCurrent report: 10-Q
Period ended 2026-09-30; filed 2026-10-22.
0001193125-26-429122
Item 1A. Risk FactorsUnregistered Sales of Equity Securities and Use of ProceedsDefaults upon Senior SecuritiesMine Safety DisclosuresThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 13 previous paragraphs and 17 current paragraphs.
11 unchanged; 2 reworded; 4 added; 0 removed; 0 previous and 0 current paragraphs rearranged.
Tables are not compared: 1 previous and 1 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
Added paragraphs (4)
Current report
The mutual termination of the merger agreement with Grasshopper, including the prior withdrawal of our applications with the applicable regulatory authorities related to the Grasshopper merger, may negatively affect our share price, business and financial results.
Current report
On October 16, 2026, we and Grasshopper entered into the Mutual Termination Agreement and Release (the “Termination Agreement”) pursuant to which, among other things, we and Grasshopper agreed to mutually terminate the merger agreement with Grasshopper effective as of such date. The mutual termination of the merger agreement with Grasshopper, together with the previously announced withdrawal of our applications with the applicable regulatory authorities related to the mergers on September 14, 2026, may negatively affect the market price of our common stock, our ongoing business and financial results. Because of the mutual termination of the merger agreement, unless we seek and find an alternative pathway to obtaining a bank charter and/or bank functionality, our ability to offer a broader range of products and services, and our stock price, may be adversely affected. We could be subject to significant fluctuations in our market price as a result of future developments with respect to the acquisition of Grasshopper and the mutual termination of the merger agreement, and the reaction of financial markets to those developments.
Current report
In addition, we have incurred substantial expenses in connection with the negotiation and completion of the transactions contemplated by the merger agreement, including with respect to obtaining necessary regulatory approvals for the mergers, and the mutual termination of the merger agreement. Because of the mutual termination, the mergers will not be completed and we must recognize these expenses without realizing the previously anticipated benefits of the mergers. Any of the foregoing, or other risks arising in connection with the termination, including the diversion of management attention from pursuing other opportunities, negative publicity and impact to our reputation, and/or potential litigation we may face related to the potential transaction with Grasshopper and/or the mutual termination of the merger agreement, could have an adverse effect on our business, financial condition and results of operations.
Current report
It cannot be assured that we will seek an alternative pathway to obtaining a bank charter and/or bank functionality or another merger or acquisition or, if we do seek a bank charter, bank functionality or another merger or acquisition, that we will be successful in obtaining such bank charter or functionality or be able to find a party willing to engage in a transaction at all or on terms substantially similar to or more attractive than the terms offered under the merger agreement with Grasshopper.
Reworded paragraphs (2)
Previous wording
There have been no material changes from the Risk Factors described in Item 1A. “Risk Factors” of our Annual Report on Form 10-K for the fiscal year ended December 31, 2025.
Current wording
As discussed below and elsewhere in this Quarterly Report on Form 10-Q, as a result of the mutual termination of the merger agreement with Grasshopper Bancorp, Inc. (“Grasshopper”), many of the risks related to the merger agreement and the consummation of the transactions contemplated thereby described in Item 1A. “Risk Factors—Risks Related to our Pending Acquisition of Grasshopper” of our Annual Report on Form 10-K for the fiscal year ended December 31, 2025 no longer apply. Subject to the foregoing and except with respect to the following additional risk factor, there have been no material changes from the Risk Factors described in Item 1A. “Risk Factors” of our Annual Report on Form 10-K for the fiscal year ended December 31, 2025.
Previous wording
(a) Includes shares withheld from employees as tax payments for shares issued under the Company’s stock-based compensation plans of 2,941 shares for the month of May. These shares were not acquired pursuant to a publicly announced repurchase plan.
Current wording
(a) Includes shares withheld from employees as tax payments for shares issued under the Company’s stock-based compensation plans of 391 shares for the month of August. These shares were not acquired pursuant to a publicly announced repurchase plan.