ENVA · Enova International, Inc.
$265.45
+3.53 (+1.35%)
At close · Aug 14
Market Cap
$6.61B
Shares
24.90M
Enova International, Inc. Earnings Call Transcripts
Every quarterly earnings call for Enova International, Inc. (ENVA) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲42.5%
$456.20M
$51.71M
'22 Q3
22-10-27
▲33.7%
$486.16M
$50.87M
'22 Q4
23-02-01
▲25.3%
$483.26M
$50.92M
'23 Q1
23-04-25
▲22.4%
$499.43M
$48.15M
'23 Q2
23-07-25
▲20.9%
$551.36M
$41.28M
'23 Q3
23-10-24
▲20%
$583.59M
$34.77M
'23 Q4
24-01-30
▲26.2%
$609.89M
$48.43M
'24 Q1
24-04-23
▲25.8%
$628.44M
$53.91M
'24 Q2
24-07-23
▲25.1%
$689.92M
$43.41M
'24 Q3
24-10-22
▲25%
$729.55M
$63.70M
'24 Q4
25-02-04
▲22.2%
$745.54M
$72.94M
'25 Q1
25-04-29
▲21.6%
$764.04M
$76.15M
'25 Q2
25-07-24
▲16.3%
$802.68M
$80.31M
'25 Q3
25-10-23
▲15.1%
$839.39M
$78.98M
'25 Q4
26-01-27
▲17.4%
$875.14M
$91.10M
'26 Q1
26-04-23
LATEST
▲21.6%
$928.93M
$105.06M
'26 Q2
26-07-23
Earnings call
FY26 · Q2
2026-07-23
Enova International Second Quarter 2026 Earnings
Confident tone
Originations and Portfolio Growth
Consumer Business
Credit Performance and Net Charge-Offs
Revenue
$928.93M
▲ 21.6% YoY Diluted EPS
$4.00
▲ 39.9% YoY Gross margin
61.2%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-05-14
Needham Technology, Media, & Consumer Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q1
2026-04-23
Enova International, Inc. Q1 FY2026 Earnings Call
Confident tone
Consumer segment
Originations and portfolio growth
Small business (SMB) segment
Revenue
$875.14M
▲ 17.4% YoY Diluted EPS
$3.46
▲ 28.6% YoY Gross margin
60.4%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-27
Enova International, Inc. Q4 FY2025 Earnings Call
Confident tone
Originations and portfolio growth
Small business (SMB) performance
Consumer credit and reacceleration
Revenue
$839.39M*
▲ 15.1% YoY Gross margin
59.8%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-23
Enova International, Inc. Q3 FY2025 Earnings Call
Confident tone
SMB business momentum
Loan origination growth
Credit quality and net charge-offs
Revenue
$802.68M
▲ 16.3% YoY Diluted EPS
$3.03
▲ 93% YoY Gross margin
57.4%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-24
Enova International, Inc. Q2 FY2025 Earnings Call
Confident tone
Origination and revenue growth
Consumer book cyclical softness
SMB segment strength
Revenue
$764.04M
▲ 21.6% YoY Diluted EPS
$2.86
▲ 48.2% YoY Gross margin
57.8%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-29
Enova International, Inc. Q1 FY2025 Earnings Call
Confident tone
Origination and revenue growth
Consumer business and non-prime customers
Small business (SMB) portfolio
Revenue
$745.54M
▲ 22.2% YoY Diluted EPS
$2.69
▲ 64% YoY Gross margin
57.2%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-02-04
Enova International, Inc. Q4 FY2024 Earnings Call
Confident tone
Originations and revenue growth
Small Business (SMB) segment
Operating leverage and cost efficiency
Revenue
$729.55M*
▲ 25% YoY Gross margin
56.6%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-22
Enova International, Inc. Q3 FY2024 Earnings Call
Confident tone
Record origination and revenue growth
Small business (SMB) segment performance
Profitability and operating leverage
Revenue
$689.92M
▲ 25.1% YoY Diluted EPS
$1.57
▲ 21.7% YoY Gross margin
58.0%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-23
Enova International, Inc. Q2 FY2024 Earnings Call
Confident tone
Originations and portfolio growth
Small business lending
Consumer business
Revenue
$628.44M
▲ 25.8% YoY Diluted EPS
$1.93
▲ 28.7% YoY Gross margin
58.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-23
Enova International, Inc. Q1 FY2024 Earnings Call
Confident tone
Consumer Segment and Seasonality
Originations and Revenue Growth
Small Business (SMB) Segment
Revenue
$609.89M
▲ 26.2% YoY Diluted EPS
$1.64
▲ 5.1% YoY Gross margin
56.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-30
Enova International, Inc. Q4 FY2023 Earnings Call
Confident tone
SMB and Consumer Origination Growth
Credit Quality and Net Charge-offs
Shareholder Value and Capital Return
Revenue
$583.59M*
▲ 20% YoY Gross margin
55.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-24
Enova International, Inc. Q3 FY2023 Earnings Call
Revenue
$551.36M
▲ 20.9% YoY Diluted EPS
$1.29
▼ 17.8% YoY Gross margin
58.0%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-25
Enova International, Inc. Q2 FY2023 Earnings Call
Revenue
$499.43M
▲ 22.4% YoY Diluted EPS
$1.50
▼ 3.8% YoY Gross margin
59.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-25
Enova International, Inc. Q1 FY2023 Earnings Call
Revenue
$483.26M
▲ 25.3% YoY Diluted EPS
$1.56
▲ 4% YoY Gross margin
59.2%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-02-01
Enova International, Inc. Q4 FY2022 Earnings Call
Revenue
$486.16M*
▲ 33.7% YoY Gross margin
59.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Enova International, Inc. Q3 FY2022 Earnings Call
Revenue
$456.20M
▲ 42.5% YoY Diluted EPS
$1.57
▲ 15.4% YoY Gross margin
64.5%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Enova International, Inc. Q2 FY2022 Earnings Call
Revenue
$407.99M
▲ 54.1% YoY Diluted EPS
$1.56
▼ 25.7% YoY Gross margin
64.8%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-05-03
Enova International, Inc. Q1 FY2022 Earnings Call
Revenue
$385.73M
▲ 48.7% YoY Diluted EPS
$1.50
▼ 26.1% YoY Gross margin
69.7%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-02-03
Enova International, Inc. Q4 FY2021 Earnings Call
Revenue
$363.61M*
▲ 37.8% YoY Gross margin
77.1%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-28
Enova International, Inc. Q3 FY2021 Earnings Call
Revenue
$320.16M
▲ 56.5% YoY Diluted EPS
$1.36
▼ 56% YoY Gross margin
77.0%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Enova International, Inc. Q2 FY2021 Earnings Call
Revenue
$264.72M
▲ 4.6% YoY Diluted EPS
$2.10
▲ 32.9% YoY Gross margin
97.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-29
Enova International, Inc. Q1 FY2021 Earnings Call
Revenue
$259.44M
▼ 28.4% YoY Diluted EPS
$2.03
▲ 1094.1% YoY Gross margin
91.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-02-04
Enova International, Inc. Q4 FY2020 Earnings Call
Revenue
$263.85M*
▼ 23.6% YoY Gross margin
92.3%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-27
Enova International, Inc. Q3 FY2020 Earnings Call
Revenue
$204.54M
▼ 33.1% YoY Diluted EPS
$3.09
▲ 296.2% YoY Gross margin
88.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-28
Enova International, Inc. Q2 FY2020 Earnings Call
Revenue
$253.06M
▼ 2.5% YoY Diluted EPS
$1.58
▲ 116.4% YoY Gross margin
52.3%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-28
Enova International, Inc. Q1 FY2020 Earnings Call
Revenue
$362.25M
▲ 37% YoY Diluted EPS
$0.17
▼ 83.3% YoY Gross margin
34.9%
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-29
Enova International, Inc. Q4 FY2019 Earnings Call
Revenue
$345.26M
▲ 24.8% YoY Diluted EPS
$-1.48
▼ 692% YoY Gross margin
42.5%
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–28 of 28 earnings calls
Key facts
CIK
1529864
CUSIP
29357K103
13F (30d)
405 filings
399 filers
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