Enova International Inc. (NYSE: ENVA) Reports Strong Earnings

Core Insights - Enova International Inc. reported strong earnings with an EPS of $3.36, exceeding the estimated EPS of $3.03, marking a 37% increase in adjusted EPS year-over-year [2][6] - The company's revenue of $802.7 million was slightly below the estimated $806.6 million [2][6] Financial Performance - Enova's third-quarter results showed a 22% increase in originations and a 16% rise in total revenue compared to the same period in 2024 [3] - The diluted EPS surged by 93% to $3.03, indicating significant growth [3] Credit and Liquidity Metrics - The company maintained a stable credit outlook with a 30+ day delinquency ratio of 7.2% and a fair value premium of 115% [4] - Enova's liquidity position is strong, with $1.2 billion in cash, marketable securities, and available capacity on facilities as of September 30 [4] Valuation and Financial Health - Enova's financial metrics include a P/E ratio of approximately 11.34 and a price-to-sales ratio of about 0.97 [5] - The enterprise value to sales ratio is 2.31, and the enterprise value to operating cash flow ratio is around 4.05 [5] - The debt-to-equity ratio is high at 3.23, and the current ratio is around 0.22, indicating potential liquidity concerns [5][6]