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Enova International Inc. (ENVA) earnings date & stock reaction
ENVA · Enova International Inc. · Financials
ReportedOct 22 · after closeEPS $4.48(est $4.40)+1.8% beat· Rev $1.0B
“Consolidated originations, receivables, revenue and adjusted EPS all grew 25% or more year-over-year.”
“We expect consolidated revenue to be around 25% higher year over year, with a net revenue margin in the 55%-60% range.”
Positives
- ▲Robust Revenue and Origination Growth
- Total revenue was $1.01 billion this quarter, up 26% vs last year.
- Total company originations were $2.6 billion this quarter, up 31% vs last year.
- ▲Strong Profitability Metrics
- Adjusted EPS was $4.48 this quarter, up 33% vs last year.
- Net income was $107 million this quarter, up 34% vs last year.
- ▲Improved Credit Performance
- Consolidated net charge-off ratio improved to 8.1% this quarter from 8.5% vs last year.
- Net revenue margin rose to 61% this quarter from 57% vs last year.
Concerns
- ▼Increased Operating Expenses Relative to Revenue
- Total operating expenses were 35% of revenue this quarter, up from 31% vs last year.
- Marketing costs were $230 million, or 23% of revenue, up from 18% vs last year.
- ▼Sequential Increase in Delinquency Rates
- Consolidated 30-plus day delinquency rate increased sequentially to 8%.
- SMB 30-plus day delinquency rate rose 40 basis points sequentially.
- ▼Lower Outlook for Net Revenue Margin
- Q4 net revenue margin guidance is 55-60%, lower than the 61% achieved this quarter.
Auto-summary · based on the Oct 22, 2026 earnings-call transcript.
Report highlightsStrong growth driven by $1B revenue milestone and 31% surge in originationsPositiveRobust Revenue and Origination GrowthConcernIncreased Operating Expenses Relative to RevenueRead quotes and detailsAuto-summary · based on the Oct 22, 2026 earnings-call transcript.
“Consolidated originations, receivables, revenue and adjusted EPS all grew 25% or more year-over-year.”
“We expect consolidated revenue to be around 25% higher year over year, with a net revenue margin in the 55%-60% range.”
Positives
- ▲Robust Revenue and Origination Growth
- Total revenue was $1.01 billion this quarter, up 26% vs last year.
- Total company originations were $2.6 billion this quarter, up 31% vs last year.
- ▲Strong Profitability Metrics
- Adjusted EPS was $4.48 this quarter, up 33% vs last year.
- Net income was $107 million this quarter, up 34% vs last year.
- ▲Improved Credit Performance
- Consolidated net charge-off ratio improved to 8.1% this quarter from 8.5% vs last year.
- Net revenue margin rose to 61% this quarter from 57% vs last year.
Concerns
- ▼Increased Operating Expenses Relative to Revenue
- Total operating expenses were 35% of revenue this quarter, up from 31% vs last year.
- Marketing costs were $230 million, or 23% of revenue, up from 18% vs last year.
- ▼Sequential Increase in Delinquency Rates
- Consolidated 30-plus day delinquency rate increased sequentially to 8%.
- SMB 30-plus day delinquency rate rose 40 basis points sequentially.
- ▼Lower Outlook for Net Revenue Margin
- Q4 net revenue margin guidance is 55-60%, lower than the 61% achieved this quarter.
Auto-summary · based on the Oct 22, 2026 earnings-call transcript.
Next earningsTue, January 26 around 4:00 PM ET, after the closescheduled
Price after the latest report
Reported October 22, 2026how the stock moved around it
Next-day move
-6.6%
Price around earnings
Enova International Inc. (ENVA) rose the day after earnings in 5 of its last 12 reports (42%), moving ±4.7% on average.
Past earnings reactions12 reports
Up next day
5/12
42%
Fell despite growth
7/12
Good earnings ignored
Price when beating
-0.6%
avg over 12 beats
Price when missing
—
never missed
Avg earnings move
±4.7%
typical swing on earnings
Biggest single move
+9.4%
'25.10 · largest reaction
🔑What actually moves this stock?
What really matters here
Interest margin, plus buybacks/dividends
In finance terms: Interest margin · provisions · capital return
What to watch next report
When results drop, check the metric above vs last quarter and whether guidance beats expectations.
Did the size of the beat matter?
Comparing EPS surprises in past reports that rose or fell.
Beat consensus 12 of 12 times. Beating is the default here
Median beat +8.8%. 7 of those beats still fell the next day.
How this stock reacts to earnings
Only what stands out for this stock, compared with 1,217 analyzed stocks
Often runs up into earnings
Typically +16.9% (median) over the 3 months before · last 12 reports
Tends to rise before reporting
Average +3.3% over the 6 trading days before · last 12 reports
Moves by a similar amount each time
±4.7% on average; even its biggest move was +9.4% (2025-10)
vs Financials sector avg (202 peers)
This
-0.6%
Sector
+0.4%
Avg next-day reaction
Did the stock follow the beat or miss?
Comparing EPS against consensus with the price move on the reaction day
It often moved against the result
Beat-and-fall or miss-and-rise occurred in 7 of 12 reports (58%)
7xBeat but fell
Times it fell despite a beat
0xMissed but rose
Times it rose despite a miss
Fell despite growth7/12
watches Interest margin · provisions · capital return
Next-day reaction
- Quarter ended Sep 2026-6.6%
- Quarter ended Jun 2026+8.9%
- Quarter ended Mar 2026-1.6%
- Quarter ended Dec 2025+1.0%
- Quarter ended Sep 2025+9.4%
- Quarter ended Jun 2025-5.3%
Earnings timeline · bars = next-day move, ▲▼ = beat/miss
Jul–Sep 2026 results
Reported 2026-10-22
Next-day move
-6.6%
After 5 days —
EPS consensus $4.40 → $4.48 ▲ +1.8% beat· Rev $803M → $1.0B +26% YoY
Beat by +1.8% but stock -6.6%
Price around earnings
Earnings trend · last 12 quarters
EPS$4.48YoY +33%
'24.1'26.10
Revenue$1.0BYoY +26%
'24.1'26.10
Earnings history and price reaction
| Quarter ended | Reported (ET) | vs market expectation (consensus) | Earnings day | After 5 days |
|---|---|---|---|---|
| 9/2026 | 2026-10-22 | +1.8% | -6.6% | — |
| 6/2026 | 2026-07-23 | +8.8% | +8.9% | +16.3% |
| 3/2026 | 2026-04-23 | +5.1% | -1.6% | -0.0% |
| 12/2025 | 2026-01-27 | +9.2% | +1.0% | +0.9% |
| 9/2025 | 2025-10-23 | +10.8% | +9.4% | +4.5% |
| 6/2025 | 2025-07-24 | +8.3% | -5.3% | -6.4% |
12 reports, quarters ending 12/2023 to 9/2026. The earnings-day move is the first trading day that reflects the report; the five-day figure is the cumulative move from that point. Latest report included: 2026-10-22 · How we calculate
Frequently asked questions
When is the next Enova International Inc. earnings date?
The next Enova International Inc. (ENVA) earnings report is expected Tue, January 26 around 4:00 PM ET, after the close. It comes from an earnings calendar and may not be a company-confirmed date; it updates automatically if it changes.
What is the consensus EPS forecast for Enova International Inc.'s next earnings?
Analysts expect EPS of about $4.62 for Enova International Inc. (ENVA). Coming in above that counts as a beat, below it a miss — though a beat does not guarantee the stock rises.
Does Enova International Inc. stock keep moving after the earnings day?
Over the last 11 reports, the stock kept moving in the reaction-day direction over the next four trading days 55% of the time. Continuation like this is called post-earnings announcement drift.