Enova Sees Subprime Borrowers Managing Debt, Driving Strong Loan Growth
Enova International's third quarter results, released Thursday (Oct. 23) after the market closed, showed that consumers, including subprime consumers, are managing their finances with aplomb, and that loan demand is strong. The company's presentation materials and management commentary pointed towards strong credit metrics, as well.
Enova International, Inc. (ENVA) Q3 2025 Earnings Call Transcript
Enova International, Inc. (NYSE:ENVA ) Q3 2025 Earnings Call October 23, 2025 5:00 PM EDT Company Participants Lindsay Savarese - Investor Relations David Fisher - President, CEO & Chairman Steven Cunningham - Chief Financial Officer & Director Conference Call Participants David Scharf - Citizens JMP Securities, LLC, Research Division William Ryan - Seaport Research Partners Vincent Caintic - BTIG, LLC, Research Division Kyle Joseph - Stephens Inc., Research Division Alexander Villalobos-Morsink - Jefferies LLC, Research Division John Hecht - Jefferies LLC, Research Division John Rowan - Janney Montgomery Scott LLC, Research Division Moshe Orenbuch - TD Cowen, Research Division Presentation Operator Good day, and welcome to the Enova International Third Quarter 2025 Earnings Conference Call. [Operator Instructions].
Enova International (ENVA) Q3 Earnings Top Estimates
Enova International (ENVA) came out with quarterly earnings of $3.36 per share, beating the Zacks Consensus Estimate of $3.05 per share. This compares to earnings of $2.45 per share a year ago.
Rise in NII & Originations to Aid ENVA's Q3 Earnings, Expenses to Hurt
Rising net interest income and strong loan originations may lift Enova's Q3 results, though higher expenses could weigh on the same.
Enova International: Good Multiple Ahead Of Q3 Results
Enova International is rated a Buy, leveraging a digital, data-driven model to profitably serve nonprime consumers and small business borrowers. ENVA's high interest rates offset heavy charge-offs on unsecured loans, while operating leverage and buybacks support strong earnings growth and undervaluation. Key risks include regulatory scrutiny over high rates and reliance on securitized debt, but diversified funding and falling interest rates provide some tailwinds.
Enova International (ENVA) Soars 3.8%: Is Further Upside Left in the Stock?
Enova International (ENVA) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.
Best Value Stock to Buy for September 16th
ENVA, SBFG and MCB made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 16, 2025.
Should Value Investors Buy Enova International (ENVA) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Fast-paced Momentum Stock Enova International (ENVA) Is Still Trading at a Bargain
Enova International (ENVA) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
Best Value Stocks to Buy for August 22nd
ENVA, GTX and MSBHF made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 22, 2025.
Enova International (ENVA) is an Incredible Growth Stock: 3 Reasons Why
Enova International (ENVA) could produce exceptional returns because of its solid growth attributes.
Is Enova International (ENVA) Stock Undervalued Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
