ENVA at a glance
Enova International, Inc. (ENVA, SEC CIK 1529864) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on July 23, 2026, an 8-K current report on September 25, 2026 and Form 4 insider filings as recently as September 21, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Enova International, Inc. (ENVA) reported revenue of $3.2 billion (up 18.6% from FY2024) and net income of $308.4 million. Diluted EPS was $11.52.
- As of June 30, 2026, 37 institutional investment managers tracked by SignalX reported holding Enova International, Inc. (ENVA) shares worth $3.4 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Fisher David on September 17, 2026 of 20,750 shares at $178.24 per share.
- In the last 90 days, ENVA insiders reported 0 open-market purchases ($0) and 5 open-market sales ($14.8M) on Form 4, a net sale of $14.8M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $3.2B
- +18.6% vs prior year
- Insiders · 90 days
- 0 buys · 5 sells
- Net −$14.8M
- 13F holders
- 37 funds
- $3.4B · +0 vs prior quarter
- Latest 8-K
- Sep 25, 2026
- Item 1.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model not detailed; filing primarily references compliance and governance policies
- No new products, services, or segments introduced or emphasized this year
- Continued emphasis on insider trading policy and Code of Business Conduct and Ethics compliance
- Equity compensation plans include 2,571,451 securities exercisable at $31.01 average price and 2,760,776 securities available for future issuance
- No distinctive business operations information disclosed; filing focuses on proxy statement incorporation and compliance matters
Risk Factors
- Legal risk from ongoing proceedings detailed in Note 11, “Commitments and Contingencies” with no specific case disclosed
- Geopolitical exposure via leased São Paulo office supporting Brazilian operations amid regional economic uncertainty
- Operational vulnerability from reliance on leased facilities with no owned real property across all locations
- Competitive threat implied from evolving cybersecurity standards compared to industry peers requiring continual IT risk updates
- Financial risk from dividend policy constrained by debt covenants, earnings variability, and capital needs impacting shareholder returns
Management Discussion & Analysis
- Revenue $3,151.7M, up 18.6% YoY ($2,657.8M in 2024); small business revenue +30.5%, consumer revenue +10.9%
- Income from operations $739.4M, up 26.5% YoY ($584.8M in 2024); operating margin 23.5% vs 22.0%, net income $308.4M vs $209.4M
- Best performing segment: Small business loans revenue $1,362.2M up 30.5%; Worst: Consumer loans revenue $1,748.1M up 10.9%
- Share repurchases totaled 278,560 shares at $126.17 average price; $383.4M available under repurchase plan; no dividend disclosed
- Management expects Grasshopper acquisition ($369M) to close H2 2026; key risks include regulatory compliance with CFPB Small Dollar Rule and Section 1071
AI summary of the ENVA 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- Share-repurchase authorization $400 million through June 30, 2027
- Repurchases totaled 119,447 shares at average $165.59 during the quarter
- Debt agreements restrict dividend payments, with no cash dividends planned foreseeable future
- 1% nondeductible excise tax applies to qualifying stock repurchases under the Inflation Reduction Act
AI summary of the ENVA 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- $500.026M securitization funds small-business loan purchases and general corporate purposes
- Weighted-average fixed coupon 6.22%, with Class A–D rates ranging from 5.61% to 8.28%
Item 1.01: Entry into a Material Definitive Agreement
- Filing contains only signature certification, not the Item 1.01 agreement terms
- No transaction value, counterparty, obligations, or strategic implications available from the provided text
Item EX-99.1: Item EX-99.1
- OnDeck term-loan receivables reached $1.75B across 24,276 loans as of 7/31/2026
- Line-of-credit receivables expanded to $1.32B across 58,867 accounts, increasing exposure to credit performance
Item 7.01: Regulation FD Disclosure
- Planned $500.026M private securitization of small-business loans, expected to close around September 25, 2026
- Four note classes carry fixed rates of 5.61%–8.28%, with anticipated KBRA ratings from AA (sf) to BB (sf)
AI summaries of ENVA 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ENVA
Don't miss the next ENVA filing
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- Fund moves. Which tracked funds opened, added or cut ENVA, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Fisher David | M | Sep 17, 2026 | 20,750 | $20.73 |
| Fisher David | M | Sep 17, 2026 | 20,750 | - |
| Fisher David | Sell | Sep 17, 2026 | 20,750 | $178.24 |
| Fisher David | M | Aug 26, 2026 | 9,078 | $20.73 |
| Fisher David | M | Aug 26, 2026 | 9,078 | - |
| Fisher David | Sell | Aug 26, 2026 | 9,078 | $239.16 |
| Fisher David | M | Aug 25, 2026 | 9,491 | - |
| Fisher David | M | Aug 25, 2026 | 9,491 | $20.73 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $2.7B | $3.2B |
| Gross Profit | $1.2B | $1.5B | $1.8B |
| Operating Income | - | $584.8M | $739.4M |
| Net Income | - | $209.4M | $308.4M |
| Gross Margin | - | 57.5% | 58.1% |
| Op. Margin | - | 22.0% | 23.5% |
| Net Margin | - | 7.9% | 9.8% |
| Balance Sheet | |||
| Total Assets | - | $5.3B | $6.5B |
| Equity | $1.2B | $1.2B | $1.3B |
| ROE | - | 17.5% | 23.1% |
| Per Share | |||
| EPS | $5.49 | $7.43 | $11.52 |
| Cash Flow | |||
| Operating CF | $1.2B | $1.5B | $1.8B |
Source: XBRL data in Enova International, Inc. (ENVA)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ENVA share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 37 | $3.43B |
| Q1 2026 | 37 | $1.88B |
| Q4 2025 | 34 | $2.15B |
| Q3 2025 | 33 | $1.64B |
| Q2 2025 | 32 | $1.56B |
| Q1 2025 | 28 | $859.1M |
| Q4 2024 | 25 | $750.3M |
| Q3 2024 | 22 | $531.7M |
- T. Rowe Price Group+441.7K (+108%)
- FMR LLC (Fidelity)+264.9K (+44%)
- BlackRock+104.5K (+3%)
- JPMorgan Chase & Co+73.0K (+33%)
- Invesco Ltd+53.0K (+6%)
- Mangrove Partners−285.4K (-100%)
- Dimensional Fund Advisors−176.4K (-17%)
- Goldman Sachs Group−132.1K (-32%)
- Bank of America Corp−39.1K (-33%)
- Vanguard Portfolio Management LLC−35.4K (-4%)
- Marex Group plc−2.0K
Source: 13F-HR filings on SEC EDGAR (aggregated from 248 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ENVA filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 25, 2026 | - | Analysis | - |
| 4 | Sep 21, 2026 | - | - | - |
| 8-K | Sep 17, 2026 | - | Analysis | - |
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 8-K | Sep 9, 2026 | - | Analysis | - |
| 4 | Aug 27, 2026 | - | - | - |
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 8-K | Aug 14, 2026 | - | Analysis | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| SC 13G | Jul 31, 2026 | - | - | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 10-Q | Jul 23, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 16, 2026 | - | - | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 8-K | Jul 10, 2026 | - | Analysis | - |
| 8-K | Jun 25, 2026 | - | Analysis | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 22, 2026 | - | - | - |
| 4 | Jun 16, 2026 | - | - | - |
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ENVA SEC filings: frequently asked questions
Are ENVA insiders buying or selling?
In the last 90 days, Enova International, Inc. (ENVA) officers, directors and 10% owners reported no open-market purchases and 5 open-market sales worth $14.8 million by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold ENVA stock?
As of June 30, 2026, the largest Enova International, Inc. (ENVA) holders among the 13F filers tracked by SignalX were BlackRock ($1.0 billion), Vanguard Capital Management LLC ($256.1 million), State Street Corp ($244.3 million), Invesco Ltd ($226.6 million), Dimensional Fund Advisors ($211.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ENVA's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Enova International, Inc. (ENVA) reported revenue of $3.2 billion (up 18.6% from FY2024) and net income of $308.4 million. Diluted EPS was $11.52. The figures come from the XBRL data in the 10-K.
What are the main risks in ENVA's latest 10-K?
In the 10-K filed February 20, 2026, Enova International, Inc. (ENVA) flagged: Legal risk from ongoing proceedings detailed in Note 11, “Commitments and Contingencies” with no specific case disclosed. Geopolitical exposure via leased São Paulo office supporting Brazilian operations amid regional economic uncertainty. (AI summary of the Risk Factors section.)
What did ENVA report in its latest 8-K?
Enova International, Inc. (ENVA) filed an 8-K on September 25, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement). $500.026M securitization funds small-business loan purchases and general corporate purposes.
What are the latest ENVA SEC filings?
Enova International, Inc. (ENVA) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on July 23, 2026, an 8-K current report on September 25, 2026 and a Form 4 insider filing on September 21, 2026.
What is ENVA's SEC CIK number?
Enova International, Inc. (ENVA)'s SEC Central Index Key (CIK) is 1529864. EDGAR lists every ENVA filing under that number.
Ask anything about ENVA
The research agent reads ENVA's filings, financials, insider trades and 13F holders, then answers with sources.