Core Viewpoint - Credit Acceptance (CACC) reported quarterly earnings of $11.35 per share, exceeding the Zacks Consensus Estimate of $10.3 per share, but down from $12.26 per share a year ago, indicating a +10.19% earnings surprise [1] Financial Performance - The company posted revenues of $579.9 million for the quarter ended December 2025, slightly missing the Zacks Consensus Estimate by 0.02%, compared to $565.9 million in the same quarter last year [2] - Over the last four quarters, Credit Acceptance has surpassed consensus EPS estimates two times and topped consensus revenue estimates just once [2] Stock Performance - Credit Acceptance shares have declined approximately 2.3% since the beginning of the year, while the S&P 500 has gained 1.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $11.26 on revenues of $599.13 million, and for the current fiscal year, it is $44.62 on revenues of $2.4 billion [7] - The estimate revisions trend for Credit Acceptance was mixed ahead of the earnings release, which may change following the recent report [6] Industry Context - The Financial - Consumer Loans industry, to which Credit Acceptance belongs, is currently ranked in the bottom 38% of over 250 Zacks industries, suggesting potential challenges ahead [8]

分组1 - Navient reported quarterly earnings of $0.39 per share, exceeding the Zacks Consensus Estimate of $0.31 per share, and showing an increase from $0.25 per share a year ago, resulting in an earnings surprise of +25.20% [1] - The company posted revenues of $129 million for the quarter ended December 2025, which was a 3.26% miss compared to the Zacks Consensus Estimate, and a decrease from $134 million in the same quarter last year [2] - Over the last four quarters, Navient has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2] 分组2 - The stock has underperformed the market, losing about 7.4% since the beginning of the year, while the S&P 500 has gained 1.9% [3] - The current consensus EPS estimate for the upcoming quarter is $0.20 on revenues of $141.82 million, and for the current fiscal year, it is $1.15 on revenues of $566.07 million [7] - The Financial - Consumer Loans industry, to which Navient belongs, is currently ranked in the bottom 38% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

Core Viewpoint - Enova International (ENVA) reported quarterly earnings of $3.46 per share, exceeding the Zacks Consensus Estimate of $3.2 per share, and showing a year-over-year increase from $2.61 per share [1] Financial Performance - The company achieved revenues of $839.39 million for the quarter ended December 2025, which was slightly below the Zacks Consensus Estimate by 0.38%, but an increase from $729.55 million in the same quarter last year [2] - Over the last four quarters, Enova has surpassed consensus EPS estimates four times and topped revenue estimates twice [2] Stock Performance and Outlook - Enova International shares have increased by approximately 0.9% since the beginning of the year, while the S&P 500 has gained 1.5% [3] - The company's earnings outlook is crucial for investors, with current consensus EPS estimates at $3.54 for the upcoming quarter and $14.25 for the current fiscal year [7] Industry Context - The Financial - Consumer Loans industry, to which Enova belongs, is currently ranked in the bottom 34% of over 250 Zacks industries, indicating potential challenges ahead [8] - The performance of Enova's stock may be influenced by the overall industry outlook, as research indicates that the top 50% of Zacks-ranked industries outperform the bottom 50% by more than 2 to 1 [8]

World Acceptance (WRLD) came out with a quarterly loss of $0.19 per share versus the Zacks Consensus Estimate of $0.58. This compares to earnings of $2.45 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -132.76%. A quarter ago, it was expected that this subprime consumer lender would post earnings of $1.87 per share when it actually produced a loss of $0.38, delivering a surprise of -120.32%.Over the last four quarters, the co ...

Sallie Mae (SLM) came out with quarterly earnings of $1.12 per share, beating the Zacks Consensus Estimate of $0.95 per share. This compares to earnings of $0.5 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +18.22%. A quarter ago, it was expected that this student loan company would post earnings of $0.84 per share when it actually produced earnings of $0.63, delivering a surprise of -25%.Over the last four quarters, the com ...

分组1 - Capital One reported quarterly earnings of $3.86 per share, missing the Zacks Consensus Estimate of $4.12 per share, but showing an increase from $3.09 per share a year ago, resulting in an earnings surprise of -6.37% [1] - The company posted revenues of $15.58 billion for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.38%, and showing a significant increase from year-ago revenues of $10.19 billion [2] - Capital One has surpassed consensus EPS estimates three times over the last four quarters, indicating a generally positive trend in earnings performance [2] 分组2 - The stock has underperformed the market, losing about 4.7% since the beginning of the year compared to the S&P 500's gain of 0.4%, raising questions about its future performance [3] - The current consensus EPS estimate for the coming quarter is $4.52 on revenues of $15.2 billion, and for the current fiscal year, it is $20.12 on revenues of $62.77 billion [7] - The Financial - Consumer Loans industry, to which Capital One belongs, is currently in the bottom 35% of the Zacks industries, which may negatively impact the stock's performance [8]

分组1 - Ally Financial reported quarterly earnings of $1.09 per share, exceeding the Zacks Consensus Estimate of $1.01 per share, and up from $0.78 per share a year ago, representing an earnings surprise of +8.15% [1] - The company posted revenues of $2.12 billion for the quarter ended December 2025, slightly missing the Zacks Consensus Estimate by 0.19%, but up from $2.03 billion year-over-year [2] - Over the last four quarters, Ally Financial has surpassed consensus EPS estimates four times and topped consensus revenue estimates two times [2] 分组2 - The stock has underperformed the market, losing about 6.3% since the beginning of the year compared to the S&P 500's decline of 0.7% [3] - The current consensus EPS estimate for the coming quarter is $1.01 on revenues of $2.16 billion, and for the current fiscal year, it is $5.33 on revenues of $8.92 billion [7] - The Zacks Industry Rank for Financial - Consumer Loans is currently in the bottom 34% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

A strong stock as of late has been Capital One (COF) . Shares have been marching higher, with the stock up 18.3% over the past month. The stock hit a new 52-week high of $244.82 in the previous session. Capital One has gained 34.3% since the start of the year compared to the 15.8% move for the Zacks Finance sector and the 58.1% return for the Zacks Financial - Consumer Loans industry.What's Driving the Outperformance?The stock has an impressive record of positive earnings surprises, as it hasn't missed our ...

Core Viewpoint - Enova International (ENVA) has shown strong stock performance, with a 5.8% increase over the past month and a 41.2% gain since the beginning of the year, outperforming both the Zacks Finance sector and the Zacks Financial - Consumer Loans industry [1] Financial Performance - Enova International has consistently beaten earnings estimates, reporting EPS of $3.36 against a consensus estimate of $3.05 in its last earnings report [2] - For the current fiscal year, the company is expected to post earnings of $12.77 per share on revenues of $3.16 billion, reflecting a 39.56% change in EPS and an 18.72% change in revenues [3] - Projections for the next fiscal year indicate earnings of $14.11 per share on revenues of $3.65 billion, representing year-over-year changes of 10.54% and 15.83%, respectively [3] Valuation Metrics - Enova International has a Value Score of A, with Growth and Momentum Scores of A and F, respectively, resulting in a combined VGM Score of A [6] - The stock trades at 10.6X current fiscal year EPS estimates, below the peer industry average of 11.1X, while on a trailing cash flow basis, it trades at 12.3X compared to the peer group's average of 8.7X [7] Zacks Rank - Enova International holds a Zacks Rank of 2 (Buy), supported by rising earnings estimates, indicating potential for further stock price appreciation [8] Industry Comparison - The Financial - Consumer Loans industry is performing well, ranking in the top 41% of all industries, providing favorable conditions for both Enova International and its peer, Encore Capital Group Inc (ECPG) [11]

Core Insights - Ezcorp (EZPW) reported quarterly earnings of $0.34 per share, exceeding the Zacks Consensus Estimate of $0.29 per share, and up from $0.26 per share a year ago, representing an earnings surprise of +17.24% [1] - The company achieved revenues of $336.81 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 6.93% and increasing from $294.55 million year-over-year [2] - Ezcorp's stock has increased approximately 47.3% year-to-date, significantly outperforming the S&P 500's gain of 16.5% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.44 on revenues of $345 million, and for the current fiscal year, it is $1.45 on revenues of $1.33 billion [7] - The estimate revisions trend for Ezcorp was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market [6] Industry Context - The Financial - Consumer Loans industry, to which Ezcorp belongs, is currently ranked in the top 33% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]