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Enova International (ENVA) investor relations material
Enova International Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q1 2026 originations grew 33% year-over-year to $2.3 billion, with total revenue up 17% to $875 million and strong credit performance.
Portfolio reached $5.3 billion, with small business products at 70% and consumer products at 30%.
Adjusted EPS rose 30% to $3.87 per diluted share; net income for the quarter was $91 million, and for the LTM ended March 31, 2026, $326.5 million.
Announced definitive agreement to acquire Grasshopper Bank, expected to close in H2 2026, targeting over 25% adjusted EPS accretion post-synergies.
Amended and restated NetCredit Receivables 2022 and LOC Receivables 2024 facilities, increasing revolving commitments and adding new note purchasers.
Financial highlights
Net revenue margin reached 60%, at the high end of expectations and up three percentage points year-over-year.
Adjusted EBITDA margin was 26.2% for LTM Q1 2026; adjusted EBITDA for Q1 2026 was $227 million.
Small business revenue increased 37% year-over-year to $418 million; consumer revenue rose 3% to $446 million.
Operating expenses were 36% of revenue; marketing costs rose to 22% of revenue ($189 million).
Liquidity at quarter-end was $1.1 billion, including $436 million in cash and $654 million in available debt capacity.
Outlook and guidance
Q2 2026 revenue expected to be 15%-20% higher year-over-year, with net revenue margin in the 55%-60% range.
Adjusted EPS for Q2 2026 projected to be 20%-25% higher year-over-year.
Full-year 2026 originations growth expected around 20%, with revenue and adjusted EPS growth of at least 25%.
Grasshopper acquisition expected to generate adjusted EPS accretion of over 15% in the first year post-closing and over 25% once synergies are fully realized.
Guidance does not include any contribution from the pending Grasshopper Bank acquisition.
- Proxy covers director elections, executive pay, auditor ratification, and ESG priorities.ENVA
Proxy filing2 Apr 2026 - Key votes include director elections, executive pay, and auditor ratification for 2026.ENVA
Proxy filing2 Apr 2026 - Record 2025 growth and Grasshopper deal set up 15%+ EPS accretion and strong 2026 outlook.ENVA
Q4 20253 Feb 2026 - Q2 2024 revenue up 26% and record $3.94B in receivables, with strong credit and liquidity.ENVA
Q2 20243 Feb 2026 - Steady demand, strategic growth, and diversification drive strong performance and capital returns.ENVA
TD Financial Services & Fintech Summit1 Feb 2026 - Q3 revenue and originations up 25%+, adjusted EPS up 63%, strong liquidity and outlook.ENVA
Q3 202419 Jan 2026 - Record 2024 revenue and EPS growth, with strong portfolio expansion and 2025 momentum.ENVA
Q4 20249 Jan 2026 - Q1 2025 revenue up 22%, adjusted EPS up 56%, and net income up 51% on strong lending growth.ENVA
Q1 202524 Dec 2025 - $369M merger forms a digital banking leader with strong synergies and nationwide reach.ENVA
M&A Announcement12 Dec 2025
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