Overview
Financial services firm's Q4 revenue rose 15%, slightly beating analyst expectations
Adjusted EPS for Q4 increased 33% yr/yr
Company repurchased $35 mln of common stock in Q4
Outlook
Enova expects acquisition of Grasshopper Bancorp to close in the second half of 2026
Company anticipates balanced growth strategy to deliver sustainable and profitable growth
Enova aims to enhance digital banking capabilities with Grasshopper acquisition
Result Drivers
ORIGINATIONS GROWTH - Originations rose 32% in Q4, contributing to revenue growth
STRONG CREDIT PERFORMANCE - Stable net charge-off ratio and improved 30+ day delinquency ratio reflect solid credit performance
LIQUIDITY POSITION - Liquidity, including cash and marketable securities, totaled $1.1 bln at year-end
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Revenue | Slight Beat* | $839.39 mln | $838.59 mln (8 Analysts) |
Q4 Net Income | $78.98 mln | ||
Q4 Adjusted EBITDA | Beat | $211 mln | $208.02 mln (3 Analysts) |
Q4 Operating Income | $186.65 mln | ||
Q4 Pretax Profit | $98.78 mln |
*Applies to a deviation of less than 1%; not applicable for per-share numbers.
Analyst Coverage
The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 7 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"
The average consensus recommendation for the consumer lending peer group is "buy"
Wall Street's median 12-month price target for Enova International Inc is $184.50, about 16.4% above its January 26 closing price of $158.55
The stock recently traded at 11 times the next 12-month earnings vs. a P/E of 8 three months ago
Press Release: ID:nPn1hLnrza
For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.
(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)
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