

ENVA's Q2 results benefit from higher revenues and improving credit quality. However, shares fall as rising expenses weigh on investor sentiment.

Online lender Enova International saw improvements in both originations and credit during the second quarter, with consumer spending remaining resilient and small businesses optimism increasing, Enova CEO Steve Cunningham said during a Thursday (July 23) earnings call. Enova's originations grew 27% year over year and its consolidated net charge-off ratio decreased by 0.8 percentage points to 7.

Enova International, Inc. (ENVA) Q2 2026 Earnings Call Transcript

Enova International (ENVA) came out with quarterly earnings of $4.31 per share, beating the Zacks Consensus Estimate of $3.99 per share. This compares to earnings of $3.23 per share a year ago.

Enova International NYSE: ENVA reported second-quarter 2026 results that topped management's expectations, driven by higher originations across both its consumer and small business lending businesses, stable credit performance and continued operating leverage.

Originations rose 27% and total company revenue increased 22% from the second quarter of 2025. Diluted earnings per share of $4.00 increased 40% and adjusted earnings per share1 of $4.31 rose 33% compared to the second quarter of 2025.

CHICAGO, July 10, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA) announced changes today to the Board of Directors. Maria Veltre will join Enova's Board of Directors, effective immediately.

CHICAGO, July 9, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced the company's second quarter 2026 financial results will be released after the market close on Thursday, July 23, 2026. Enova will host a conference call to discuss its results at 4 p.m.
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