ENVA

EX-99.1

2 enva-ex99_1.htm

EX-99.1

EX-99.1

Exhibit 99.1

Enova Reports First Quarter 2026 Results

• Originations rose 33% and total company revenue increased 17% from the first quarter of 2025

• Diluted earnings per share of $3.46 increased 29% and adjusted earnings per share1 of $3.87 rose 30% compared to the first quarter of 2025

• Credit performance remained strong with a lower net charge-off ratio compared to a year ago of 7.6% and a net revenue margin of 60%

• Year-over-year stability in the consolidated 30+ day delinquency ratio and fair value premium reflect a stable credit outlook

• Liquidity, including cash and marketable securities and available capacity on facilities, totaled $1.1 billion at March 31

CHICAGO, April 23, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced financial results for the first quarter ended March 31, 2026.

“Our first quarter results marked a great start to the year,” said Steve Cunningham, Enova’s CEO. “Strong originations growth and credit across our portfolio highlight the power of our balanced growth strategy, our experienced team’s ability to drive differentiated and consistent performance and the resiliency of our consumer and small business customers. We continue to expect a second half of 2026 closing of our acquisition of Grasshopper Bank as we remain engaged with regulators on the typical application review process. In addition, we are highly encouraged by the readiness we are building across the companies through integration planning to ensure we hit the ground running on day one to deliver on the significant synergies from geographic expansion of our existing products and lower funding costs from Grasshopper’s deposit businesses. We remain well positioned to deliver sustainable and profitable growth this year and beyond.”

First Quarter 2026 Summary

• Total revenue of $875 million increased 17% from $746 million in the first quarter of 2025.

• Net revenue margin of 60% compared to 57% in the first quarter of 2025, reflecting continued solid credit performance.

• Net income of $91 million, or $3.46 per diluted share, increased 25% from $73 million, or $2.69 per diluted share, in the first quarter of 2025.

• Adjusted EBITDA1 of $227 million increased 20% from $190 million in the first quarter of 2025.

• Adjusted earnings per share1 of $3.87 increased 30% from $2.98 per diluted share in the first quarter of 2025.

• Total company combined loans and finance receivables1 increased 28% from the end of the first quarter of 2025 to a record $5.3 billion with total company originations of $2.3 billion in the quarter.

• Repurchased $16 million of common stock under the company’s share repurchase program.

“We are pleased to deliver another quarter of strong top- and bottom-line results,” said Scott Cornelis, CFO of Enova. “We remain confident in our ability to drive meaningful and consistent financial results, backed by our balanced growth strategy and unit economics discipline. Our diversified products, flexible online-only model, experienced team, world-class risk management capabilities and strong balance sheet position us well to

1 Non-GAAP measure. Refer to “Non-GAAP Financial Measures,” “Loans and Finance Receivables Financial and Operating Data,” and “Reconciliation of GAAP to Non-GAAP Financial Measures” below for additional information.

continue to generate profitable growth and deliver on our commitment to driving long-term shareholder value.”

Conference Call

Enova will host a conference call to discuss its first quarter 2026 results at 4 p.m. Central Time / 5 p.m. Eastern Time today, April 23rd. The live webcast of the call can be accessed at the Enova Investor Relations website at http://ir.enova.com, along with the company's earnings press release and supplemental financial information. The U.S. dial-in for the call is 1-855-560-2575 (1-412-542-4161 for non-U.S. callers). Please ask to join the Enova International call. A replay of the conference call will be available until April 30, 2026, at 10:59 p.m. Central Time / 11:59 p.m. Eastern Time, while an archived version of the webcast will be available on the Enova International Investor Relations website for 90 days. The U.S. dial-in for the conference call replay is 1-855-669-9658 (1-412-317-0088). The replay access code is 3473857.

About Enova

Enova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. Over its 20-year history, Enova has provided approximately $70 billion in loans and financing to nearly 15 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology. You can learn more about the company and its portfolio of businesses at www.enova.com.

SOURCE Enova

8-K

0001529864false00015298642026-01-272026-01-27

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 27, 2026

ENOVA INTERNATIONAL, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware

1-35503

45-3190813

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

175 West Jackson Boulevard

Chicago, Illinois

60604

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 312 568-4200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $.00001 par value per share

ENVA

New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition. On January 27, 2026, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended December 31, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information included or incorporated by reference in this Current Report on Form 8-K under this Item 2.02 is being furnished and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing. Item 9.01 Financial Statements and Exhibits. (d) Exhibits The following exhibits are furnished as part of this Report on Form 8-K:

Exhibit No.

Description

99.1

Enova International, Inc. press release dated January 27, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Enova International, Inc.

Date:

January 27, 2026

By:

/s/ Sean Rahilly

Sean Rahilly General Counsel & Secretary

8-K

0001529864false00015298642025-10-232025-10-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 23, 2025

ENOVA INTERNATIONAL, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware

1-35503

45-3190813

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

175 West Jackson Boulevard

Chicago, Illinois

60604

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 312 568-4200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $.00001 par value per share

ENVA

New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition. On October 23, 2025, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended September 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information included or incorporated by reference in this Current Report on Form 8-K under this Item 2.02 is being furnished and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing. Item 9.01 Financial Statements and Exhibits. (d) Exhibits The following exhibits are furnished as part of this Report on Form 8-K:

Exhibit No.

Description

99.1

Enova International, Inc. press release dated October 23, 2025

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Enova International, Inc.

Date:

October 23, 2025

By:

/s/ Sean Rahilly

Sean Rahilly General Counsel & Secretary