Enova International, Inc. (ENVA) Q3 2025 10-Q Quarterly Report
Enova International, Inc. (ENVA) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 24, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Enova International, Inc. Q3 2025 10-Q Analysis
Risk Factors
- • New share repurchase program authorized August 12, 2024, totaling $300 million through December 31, 2025, replacing prior authorization
- • Inflation Reduction Act excise tax of 1% on stock repurchases recorded as liability, impacting cost basis of repurchased shares starting post-December 31, 2022
Enova International, Inc. Q3 2025 Quarterly FinancialsXBRL
Revenue
$803M
▲ +16.3% YoY▲ +5.1% QoQ
Net Income
$80M
▲ +85.0% YoY▲ +5.5% QoQ
Gross Margin
57.4%
▼ -63bp YoY▼ -38bp QoQ
Operating Margin
24.5%
▲ +223bp YoY▲ +42bp QoQ
Net Margin
10.0%
▲ +371bp YoY▲ +4bp QoQ
ROE
6.3%
Total Assets
$6.0B
EPS (Diluted)
$3.02
▲ +91.1% YoY▲ +7.1% QoQ
Operating Cash Flow
$482M
▲ +20.9% YoY▲ +7.7% QoQ
Source: XBRL data from Enova International, Inc. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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