Enova(US:ENVA) Prnewswire·2026-01-27 21:16Core Insights - Enova International reported strong financial results for Q4 and full year 2025, highlighting significant growth in originations and revenue, alongside solid credit performance [1][4] Financial Performance - Q4 2025 total revenue reached $839 million, a 15% increase from $730 million in Q4 2024 [1][4] - Full year 2025 total revenue was $3.2 billion, up 19% from $2.7 billion in 2024 [1][4] - Adjusted earnings per share for Q4 2025 was $3.46, a 33% increase from $2.61 in Q4 2024 [1][4] - Full year adjusted earnings per share increased by 42% to $12.96 from $9.15 in 2024 [1][4] Credit Performance - The consolidated 30+ day delinquency ratio improved to 6.7%, down from 7.5% in the previous year [1][4] - The net charge-off ratio was 8.3%, a decrease from 8.9% in Q4 2024, indicating improved credit quality [1][4] Growth Metrics - Originations in Q4 2025 rose by 32% to $2.3 billion compared to Q4 2024 [1][4] - Total combined loans and finance receivables increased by 23% to a record $4.9 billion from the end of Q4 2024 [1][4] Strategic Developments - Enova announced the acquisition of Grasshopper Bancorp, expected to close in the second half of 2026, which will enhance its online lending platform and expand its service capabilities [1][4] - The company emphasized its balanced growth strategy aimed at sustainable and profitable growth while enhancing shareholder value [1][4] Operational Efficiency - Adjusted EBITDA for Q4 2025 was $211 million, a 21% increase from $174 million in Q4 2024 [1][4] - The net revenue margin improved to 60% in Q4 2025, up from 57% in Q4 2024, reflecting strong operational efficiency [1][4]