ENVA Enova International Inc.

$ENVA Q3 revenue was 1.01 billion dollars, up 26% year over year, first quarter over 1 billion in company history. Originations rose 31% to 2.6 billion dollars and combined loans and receivables hit a record 5.9 billion dollars. Net revenue margin expanded to 61% from 57%, and the net charge-off ratio fell to 8.1% from 8.5%. Adjusted EPS was 4.48 dollars, up 33%. Marketing spend rose a lot faster though, 229.7 million dollars vs 147.4 million dollars a year ago.

$ENVA Enova tops $1B of quarterly revenue for the first time, up 26% in Q3. 🏢 Online lender to small businesses and consumers; its Oct 16 8-K ended the Grasshopper bank deal for $4M cash ⚠️ Loans 30+ days late hit 8.0% of the book vs 7.2% a year earlier, as receivables grew 30% to $5.9B 📈 Q3 net income rose 34% to $107.3M vs a $4.40B market value at $176.67 (16:00 ET, Oct 22, 2026) 💰 Other side: net charge-offs fell to 8.1% from 8.5%; Enova bought back $46M of stock in Q3 📅 Next: Call 5 p.m. ET, October 22nd; replay until October 29, 2026 Source: Enova Q3 release + SEC 8-Ks, Oct 22 and Oct 16

$ENVA Q3 '26 Earnings Results & Recap • Reported GAAP EPS of $4.48 up 33.33% YoY • Reported revenue of $1.01B up 25.73% YoY

$ENVA Even with interest rates getting bumped up and maybe another bump up later this year this stock is STILL UNDERVALUED!