Company Overview - Enova served over 13 million customers since 2004 and has made over $63.4 billion in loans since 2004[9] - Enova's 2024 revenue reached $2.7 billion[9] Financial Performance (Q2 2025) - Total company originations exceeded $1.8 billion, a 28% year-over-year increase[17] - Ending receivables totaled $4.3 billion, reflecting a 20% year-over-year growth[17] - Q2 2025 revenue was $764 million, a 22% year-over-year increase[17] - Adjusted EPS for Q2 was $3.23, a 46% year-over-year increase[17] Market and Products - Enova operates in the U.S consumer loan market which has a $256 billion total addressable market and the U.S. SMB loan market which has a $271 billion total addressable market[29] - Approximately 37% of Americans cannot cover a $400 emergency expense[25] - Enova's estimated CashNetUSA share of the Subprime market is ~1% and NetCredit share of the Near Prime market is ~2%[76] Portfolio and Risk - Enova's small business clients have a median annual revenue of $600,000 and have been in business for an average of 11.4 years[61] - Over 11% of U.S borrowers have subprime credit and over 18% have near prime credit[76]