Online lender Enova Q3 revenue misses estimates

Enova International

23/10/2025 21:27

Overview

Enova International Q3 revenue up 16% yr/yr but missed analyst expectations

Adjusted EPS rose 37% yr/yr, reflecting strong operational performance

Company repurchased $38 mln in shares during the quarter

Outlook

Enova did not provide specific financial guidance for future quarters in its press release

Result Drivers

ORIGINATIONS GROWTH - Enova reported a 22% increase in originations, contributing to revenue growth

CREDIT PERFORMANCE - Strong credit performance with net charge-off ratio of 8.5% and net revenue margin of 57%

DIVERSIFIED OFFERINGS - CEO attributes success to diversified product offerings and machine-learning models

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
Miss
$802.67 mln
$807 mln (8 Analysts)
Q3 Net Income
$80.31 mln
Q3 Adjusted EBITDA
Beat
$218 mln
$197.70 mln (3 Analysts)
Q3 Operating Income
$196.77 mln
Q3 Pretax Profit
$110.16 mln


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 $137.50, about 19% above its October 21 closing price of $111.44

The stock recently traded at 8 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release: ID:nPn5xpsCSa

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.)