Enova International Inc (NYSE:ENVA) Reports Mixed Q2 2025 Earnings: Revenue Miss, EPS Beat

Enova International Inc (NYSE:ENVA) reported its second-quarter 2025 earnings, delivering a mixed performance relative to analyst expectations. The company posted revenue of $764.04 million, slightly below the consensus estimate of $771.70 million, representing a 22% year-over-year increase. However, earnings per share (EPS) came in at $3.23, surpassing the estimated $3.04 and marking a 48% rise compared to the same period last year.

Key Takeaways from the Earnings Report

• Revenue Growth: Despite missing estimates by less than 1%, revenue growth remained robust, driven by a 28% increase in loan originations.
• Profitability Strength: The higher-than-expected EPS suggests improved operational efficiency or better-than-anticipated margins.
• Market Reaction: The stock saw a modest after-hours gain of 0.23%, indicating cautious optimism among investors. Over the past month, shares have risen 7.8%, though they dipped slightly in the last two weeks (-4.7%).

Analyst Estimates vs. Reported Figures

| Metric | Reported Q2/2025 | Analyst Estimate | Variance |
|----------------------|------------------|------------------|----------|
| Revenue ($M) | 764.04 | 771.70 | -0.99% |
| EPS ($) | 3.23 | 3.04 | +6.2% |

Looking Ahead

Analysts project Q3 2025 revenue at $806.89 million and full-year sales at $3.20 billion. While the company did not provide explicit guidance in the press release, the strong EPS beat and sustained origination growth suggest continued momentum.

Additional Developments

Enova also announced planned leadership changes, though details were sparse in the earnings release. Such transitions can introduce uncertainty, but the market’s muted reaction implies investors remain focused on financial performance.

For a deeper dive into Enova’s earnings trends and future estimates, visit the earnings page.

Disclaimer: This article is not investment advice. Investors should conduct their own research or consult a financial advisor before making decisions.