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Enova International (ENVA) investor relations material
Enova International Stephens Annual Investment Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Stephens Annual Investment Conference summary19 Nov, 2025
Company evolution and business model
Transitioned from payday lending to diversified online consumer and small business lending, now serving 900+ industries across 49 states.
Operates two main consumer brands: CashNet (subprime) and NetCredit (near-prime), with NetCredit showing fastest growth.
Small business lending scaled significantly after acquiring OnDeck in 2020.
Maintains a $6 billion asset balance sheet, funded mainly through securitization and secured funding.
Focuses on originating loans for its own portfolio, not for sale.
Credit performance and risk management
Credit metrics remain within expected ranges, with healthy growth and improving consumer credit metrics projected for Q4.
Subprime customers, while higher cost, show less volatility than prime borrowers due to smaller, shorter-duration loans and rapid feedback on defaults.
Regular course corrections are made based on weekly default data, enabling quick response to emerging risks.
Small business and consumer portfolios provide diversification and stability, with both segments showing consistent performance.
Market trends and competitive landscape
Small business sentiment is strong, with over 90% expecting growth and most seeking credit outside traditional banks.
Small business portfolio has grown over 30% year-over-year for several quarters.
No public pure-play competitors remain; private competitors are smaller and more niche-focused.
Large, fragmented target markets in both consumer and small business segments offer continued growth opportunities.
Detail Enova's credit risk management advantage
SMB growth drivers and competitive landscape
Enova's differentiated AI/ML application strategy
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Next Enova International earnings date
Q4 20253 Feb, 2026
Next Enova International earnings date
Q4 20253 Feb, 2026
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Frequently asked questions
Enova International, Inc. provides online installment loans, lines of credit, and merchant cash advances; and point-of-sale financing solutions to customers at the time of purchase through retailers and distributors in the automotive, home improvement, and power sports industries. It also offers access to small business loan products through its TouchSuite platform; and integration with Bluefin Payment Systems for end-to-end encryption methods that help to lower the risk of data breach in retail environments. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.
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