Enova International reported fourth-quarter earnings per share (EPS) of $3.46, surpassing the Zacks Consensus Estimate of $3.17 and representing an 8.24% earnings surprise. This result compares to EPS of $2.61 in the year-ago quarter, marking a 32.6% year-over-year improvement and extending Enova’s streak of beating consensus EPS estimates across the past four quarters.

The company generated quarterly revenues of $839.39 million, up from $729.55 million in Q4 2024, reflecting a 15% year-over-year increase. While this figure narrowly missed the consensus estimate by 0.38%, Enova recorded a 32% rise in loan originations, underlining robust demand for its online consumer lending products and enhancing market share within the consumer loans industry.

Enova’s credit performance remained stable, with a net charge-off ratio of 8.3% and a consolidated 30+ day delinquency ratio that improved to 6.7%. The company sustained a net revenue margin of 60% and held $1.1 billion in cash, marketable securities and undrawn facility capacity as of December 31, 2025. During the quarter, Enova repurchased $35 million of its shares, reinforcing confidence in its cash flow generation and balance-sheet strength.

Enova entered into an agreement to acquire Grasshopper Bancorp, Inc. and its subsidiary Grasshopper Bank, with the transaction expected to close in H2 2026. This deal will integrate Enova’s advanced online lending platform with Grasshopper’s digital banking capabilities, broadening product offerings for small-business and consumer clients. Enova ended the quarter with a price-to-earnings ratio of roughly 13.43 and a price-to-sales ratio near 1.28, signaling investor confidence in the company’s growth trajectory.