Enova Q4 revenue slightly beats estimates

Enova International

27/01/2026 21:26

Overview

Financial services firm's Q4 revenue rose 15%, slightly beating analyst expectations

Adjusted EPS for Q4 increased 33% yr/yr

Company repurchased $35 mln of common stock in Q4

Outlook

Enova expects acquisition of Grasshopper Bancorp to close in the second half of 2026

Company anticipates balanced growth strategy to deliver sustainable and profitable growth

Enova aims to enhance digital banking capabilities with Grasshopper acquisition

Result Drivers

ORIGINATIONS GROWTH - Originations rose 32% in Q4, contributing to revenue growth

STRONG CREDIT PERFORMANCE - Stable net charge-off ratio and improved 30+ day delinquency ratio reflect solid credit performance

LIQUIDITY POSITION - Liquidity, including cash and marketable securities, totaled $1.1 bln at year-end

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Slight Beat*
$839.39 mln
$838.59 mln (8 Analysts)
Q4 Net Income
$78.98 mln
Q4 Adjusted EBITDA
Beat
$211 mln
$208.02 mln (3 Analysts)
Q4 Operating Income
$186.65 mln
Q4 Pretax Profit
$98.78 mln


*Applies to a deviation of less than 1%; not applicable for per-share numbers.

Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 7 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy"

Wall Street's median 12-month price target for Enova International Inc is $184.50, about 16.4% above its January 26 closing price of $158.55

The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 8 three months ago

Press Release: ID:nPn1hLnrza

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)