)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
Enova International
Enova International (ENVA) investor relations material
Enova International Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
2025 closed with record financial results, including $3.2B in revenue, 27% originations growth, and stable credit performance across Consumer and Small Business segments.
Management transition completed: Steve Cunningham became CEO and Scott Cornelis CFO, with David Fisher as Executive Chairman.
Announced definitive agreement to acquire Grasshopper Bancorp, expected to close in H2 2026, to expand digital banking capabilities, simplify regulatory structure, and provide new funding sources.
Demonstrated strong long-term shareholder returns, outperforming key indices over the past decade.
Financial highlights
Full-year 2025 originations grew 27%, revenue up nearly 20% to $3.2B, and adjusted EPS up 42% to $12.96 year-over-year.
Q4 2025 revenue rose 15% year-over-year to $839 million; adjusted EPS up 33% to $3.46 per diluted share.
Adjusted EBITDA for Q4 increased 21% to $211 million; full-year adjusted EBITDA was $821 million with a 26% margin.
Q4 originations up 32% year-over-year to $2.3 billion; portfolio reached $4.9 billion.
Net income for 2025 was $308 million, up from $209 million in 2024.
Outlook and guidance
2026 originations expected to grow ~15% year-over-year, with revenue growth similar to originations and adjusted EPS growth of at least 20%.
Grasshopper acquisition expected to close in H2 2026, with anticipated adjusted EPS accretion of 15%+ in the first year and 25%+ once synergies are fully realized.
Revenue synergies from the acquisition projected at $175M–$230M within two years post-closing.
Q1 2026 revenue expected to be flat to slightly higher sequentially; net revenue margin projected at 55%-60%.
No contribution from Grasshopper Bank included in 2026 guidance; acquisition expected to close in H2 2026.
Grasshopper acquisition: comprehensive product suite
What underpins the stable credit outlook?
Details on balanced growth strategy?
Post-Grasshopper, capital allocation priorities?
Grasshopper: New consumer market expansion states?
Impact of potential credit card rate caps on Enova?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Enova International earnings date
Q1 202628 Apr, 2026
Enova International
Next Enova International earnings date
Q1 202628 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage