ENVA

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. Central Time / 5 p.m. Eastern Time the same day. The live webcast of the call can be accessed at the Enova International 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the conference call will be available until July 30, 2026, at 10:59 p.m. Central Time / 11:59 p.m. Eastern Time, while an archived version of the webcast will be available on the Enova International Investor Relations website for 90 days.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 9822269. About EnovaEnova International (NYSE: ENVA) is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, 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. View original content to download multimedia:https://www.prnewswire.com/news-releases/enova-announces-date-of-second-quarter-2026-financial-results-conference-call-302822240.html

EZCORP, Inc.'s EZPW strong operating performance has driven a sharp rally in its shares, bringing both its earnings outlook and valuation into focus. Over the past six months, EZPW shares have gained 65.8% against the industry’s 11.4% decline. Image Source: Zacks Investment Research The key question for investors now is whether the company’s improving fundamentals can continue to support further upside after much of the recent optimism has already been reflected in the stock price. The outlook remains balanced. Strong earnings growth, rising pawn loan balances and solid liquidity support the bull case, while a higher valuation and ongoing cost pressures suggest that EZPW may no longer be an obvious bargain. EZCORP’s recent performance highlights improving operational execution. The company’s earnings topped estimates in each of the trailing four quarters, reflecting its sustained business momentum. In the second quarter of fiscal 2026, revenues surged 46% year over year to $446.9 million, while gross profit also grew 46%. Pawn loans outstanding increased 33% to $349.4 million, driven by higher average loan sizes, sustained pawn demand and store expansion. The revenue outlook further strengthens the growth narrative. The Zacks Consensus Estimate for sales is pegged at $1.67 billion for fiscal 2026 and $1.80 billion for fiscal 2027, indicating year-over-year growth of 31% and 8%, respectively. Image Source: Zacks Investment Research Margins also improved year over year in the second quarter of fiscal 2026, with merchandise sales gross margin expanding to 36% from 34% and jewelry scrap sales gross margin increasing significantly to 38% from 22%. Adding to the positive outlook, earnings estimates have remained stable. The Zacks Consensus Estimate for fiscal 2026 and 2027 earnings has been unchanged over the past 30 days, indicating year-over-year growth of 40% and 10%, respectively. Image Source: Zacks Investment Research The recent rally has made EZPW's valuation look more demanding. EZPW is trading at 16.45X forward 12-month earnings, above the Zacks sub-industry average of 8.12X. The multiple is broadly in line with the Zacks sector average of 16.59X and below the S&P 500 average of 21.24X. It also remains above the stock's five-year median of 10.67X, suggesting the shares have become more expensive relative to their historical valuation. Image Source: Zacks...

Find winning stocks in any market cycle. Join 7 million investors using Simply Wall St's investing ideas for FREE. Enova International (ENVA) has been in focus after a strong Q1 earnings report, with revenue up 17.4% year on year and both EPS and EBITDA ahead of analyst expectations. See our latest analysis for Enova International. Enova International’s recent Q1 surprise and an 11-day share price rally have been backed up by a strong 30-day share price return of 39.07% and a one year total shareholder return of 102.15%. This points to strong momentum rather than fading enthusiasm around the stock’s online lending model. If you are looking for other fast moving financials off the back of earnings and sentiment shifts, now could be a useful time to scan 20 top founder-led companies After a 39% 30-day surge, Enova International now trades slightly above the average analyst target and intrinsic estimates. This raises a simple issue: is the market rightly cautious, or is this rerating still too conservative? Enova International's most followed narrative pegs fair value at $230, a touch below the last close at $234.78, which puts fresh pressure on the recent rally. Read the complete narrative. Want to see what kind of revenue curve and margin reset support that $230 fair value tag? The narrative leans on rapid top line expansion, shifting profitability mix between consumer and small business, and a future earnings multiple usually associated with faster growing finance stocks rather than traditional lenders. Result: Fair Value of $230 (OVERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, Enova International still faces potential setbacks if regulatory pressure tightens on nonprime lending or if credit losses rise and reduce the current profitability profile. Find out about the key risks to this Enova International narrative. If the strong Q1 surprise and the recent share price surge around Enova International leave you uncertain, take a closer look at the underlying drivers and risks, and weigh them against the rewards flagged in 3 key rewards and 2 important warning signs. If Enova International has caught your attention, do not stop here. Use this momentum to broaden your watchlist with other ideas that might fit your style. Target steadier cash flows and balance sheet strength by checking companies in the solid...

In recent weeks, Enova International reported a strong first-quarter result, with revenue rising 17.4% year on year and earnings exceeding analyst expectations, alongside broader strength across online personal loan providers. This earnings surprise, combined with growing adoption of online financial services, has reinforced investor focus on Enova’s position in digital consumer and small-business lending. Next, we’ll examine how Enova’s stronger-than-expected quarterly earnings reshape the company’s investment narrative and its long-term growth assumptions. The future of work is here. Discover the 29 top robotics and automation stocks leading the charge in AI-driven automation and industrial transformation. To own Enova International, you need to believe in the continued shift toward online lending and in Enova’s ability to price and manage nonprime credit risk. The recent earnings beat and sharp share price rally highlight a near term catalyst in stronger profitability, but also amplify the main short term risk: a richer valuation on a business still exposed to regulatory scrutiny and potential credit normalization. The standout recent development for this story is Enova’s first quarter 2026 result, with revenue of US$528.96 million and net income of US$91.1 million, both higher than a year earlier. That upside has sharpened attention on how effectively Enova’s data driven underwriting is supporting growth across digital consumer and small business loans, while also raising fresh questions about how much of that strength is already reflected in the share price after its post earnings surge. Yet beneath the strong Q1 numbers, investors should be aware of growing concerns around Enova’s high debt levels and what happens if funding costs move against it... Read the full narrative on Enova International (it's free!) Enova International's narrative projects $8.6 billion revenue and $581.3 million earnings by 2029. Uncover how Enova International's forecasts yield a $230.00 fair value, in line with its current price. Some of the lowest analysts were already cautious, assuming revenue might need to reach about US$7.6 billion and earnings around US$520 million by 2029, while also warning that rapid small business origination growth could strain underwriting; compared with the recent rally and upbeat results, their narrative is much more pessimistic and a useful re...

Looking back on personal loan stocks’ Q1 earnings, we examine this quarter’s best and worst performers, including Enova (NYSE:ENVA) and its peers. Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders. The 9 personal loan stocks we track reported a strong Q1. As a group, revenues beat analysts’ consensus estimates by 7% while next quarter’s revenue guidance was 0.7% above. Luckily, personal loan stocks have performed well with share prices up 25.2% on average since the latest earnings results. Pioneering online lending since 2004 with a massive database of over 65 terabytes of customer behavior data, Enova International (NYSE:ENVA) provides online financial services including installment loans and lines of credit to non-prime consumers and small businesses in the United States and Brazil. Enova reported revenues of $875.1 million, up 17.4% year on year. This print exceeded analysts’ expectations by 2.8%. Overall, it was a strong quarter for the company with a beat of analysts’ EPS and EBITDA estimates. Interestingly, the stock is up 38.7% since reporting and currently trades at $235. Read why we think that Enova is one of the best personal loan stocks, our full report is free. Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ:SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers. Sezzle reported revenues of $135.5 million, up 29.2% year on year, outperforming analysts’ expectations by 5.3%. The business had a stunning quarter with full-year EPS guidance exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates. The market seems happy with the results as the stock is up 112% since reporting. It currently trades at $182.04. Is now the time to buy Sezzle? Access our full analysis of the earnings results here, it’s free. Founded by PayPal co-founder Max Levchin with a mission to create honest financial products, Affirm (NASD...

Enova International, Inc. reported past first-quarter 2026 results with revenue of US$528.96 million and net income of US$91.1 million, both higher than a year earlier, alongside increased basic and diluted EPS from continuing operations. The company also completed a buyback tranche and highlighted record small-business originations, improved credit metrics, and progress on the Grasshopper Bank deal, underscoring how funding and technology initiatives are shaping its business mix. We'll now examine how Enova's stronger first-quarter earnings and raised 2026 guidance may influence its existing investment narrative. Find 48 companies with promising cash flow potential yet trading below their fair value. To own Enova International, you need to believe that digital, data driven lending to nonprime consumers and small businesses can stay both scalable and profitable, despite regulatory and credit cycle pressures. The latest quarter’s stronger earnings and higher 2026 guidance support that thesis and slightly reduce near term concern around funding costs, with the Grasshopper Bank integration still the key catalyst and regulatory scrutiny of high cost lending remaining the central risk to watch. The most relevant recent development here is Enova’s completion of a US$32.48 million share repurchase under its existing buyback program, alongside better first quarter results. This capital return, funded while growing revenue and earnings, ties directly into the catalyst of operating leverage and profitability gains from its online model, but it does not change the underlying exposure to potential tightening in consumer lending rules or shifts in nonprime credit performance. Yet behind the strong first quarter numbers, investors should be aware that increasing regulatory scrutiny of high cost lending could... Read the full narrative on Enova International (it's free!) Enova International's narrative projects $6.2 billion revenue and $512.5 million earnings by 2029. Uncover how Enova International's forecasts yield a $187.29 fair value, a 14% upside to its current price. Three fair value estimates from the Simply Wall St Community span a wide range from about US$154.71 to US$467.73, showing how far apart views can be. Against that backdrop, Enova’s emphasis on AI driven underwriting and record small business originations raises important questions about how technology an...

Navient Corporation NAVI reported first-quarter 2026 earnings per share (EPS) of 20 cents, surpassing the Zacks Consensus Estimate of 17 cents. It reported earnings of 28 cents in the prior-year quarter. Results benefited from lower expenses and a decline in provisions for loan losses. However, a decrease in net interest income (NII) and other income acted as a headwind. Given the concern, NAVI shares lost nearly 4.6% in the early trading session. A full day’s trading session will depict a clearer picture. Navient’s GAAP net income was $17 million compared with $2 million in the prior-year quarter. NII declined 12.5% year over year to $126 million in the first quarter. It missed the Zacks Consensus Estimate by 1.6%. Total other income decreased 68.6% year over year to $16 million. Provision for loan losses was $27 million, down from $30 million in the prior-year quarter. Total expenses decreased 29% year over year to $93 million. Federal Education Loans: The segment generated a net income of $22 million, which declined 8.3% year over year. As of March 31, 2026, the company’s net FFELP loans were $27.2 billion, down 3.2% sequentially. Consumer Lending: This segment reported a net income of $35 million, which decreased 23.9% from the year-ago quarter. The private education loan delinquency rate greater than 30 days was 5.5% compared with 6.4% in the prior-year quarter. As of March 31, 2026, the company’s private education loans were $15.6 billion, which decreased 1.3% from the prior quarter. Navient originated $778 million of private education refinance loans in the reported quarter. To meet liquidity needs, NAVI expects to utilize various sources, including cash and investment portfolio, predictable operating cash flows provided by operating activities, the repayment of principal on unencumbered education loan assets and distributions from securitization trusts. It may also draw down on the secured FFELP Loan and Private Education Loan facilities, issue term asset-backed securities (ABS), enter additional Private Education Loan and ABS repurchase facilities, or issue additional unsecured debt. Notably, the company had $621 million of total unrestricted cash and liquid investments as of March 31, 2026. In the first quarter, the company paid $15 million in common stock dividends. In the reported quarter, Navient repurchased shares of common stock for $23 millio...

Navient Corporation NAVI is scheduled to report first-quarter 2026 results on April 29, before the opening bell. Its quarterly revenues and earnings are expected to have declined year over year. In the last quarter, NAVI’s results benefited from lower expenses and a slight decline in provisions for loan losses. However, a decrease in net interest income (NII) and other income acted as a headwind. NAVI has an impressive earnings surprise history. Its earnings outpaced estimates in the trailing three quarters and missed once, with the average earnings surprise being 28.02%. Navient Corporation price-eps-surprise | Navient Corporation Quote The Zacks Consensus Estimate for first-quarter earnings is pegged at 17 cents per share, which has remained unchanged in the past week. The figure indicates a 39.3% decline from the year-ago reported figure. The consensus estimate for sales is pegged at $128.1 million, which suggests a 11.1% decline from the year-ago reported figure. Revenues: Per the Fed’s latest data, consumer loan demand remained resilient in the first quarter. This is likely to have provided some support to Navient’s Consumer Lending segment. Further, the Federal Education Loans segment revenue is likely to have increased, primarily driven by higher prepayment levels, even as origination volumes remained constrained. The Zacks Consensus Estimate for NII (Core) is pegged at $128.6 million, indicating a sequential marginal decline. The consensus estimate for NII (Federal Education loan) is pegged at $47.7 million, suggesting an 8.5% rise on a sequential basis. The Zacks Consensus Estimate for NII (consumer lending) is pegged at $101.3 million, implying a sequential decline of 2.6%. The consensus estimate for servicing revenues is pegged at $12.1 million, indicating a 10.1% increase from the prior quarter. The Zacks Consensus Estimate for total non-interest income of $17.5 million indicates a 16.7% rise sequentially. Expenses: Navient’s ongoing cost-control initiatives are expected to have supported operating efficiency and reduced expenses in the first quarter. The company’s strategic actions under its phased transformation plan, including the sale of its Government Services and Healthcare Services businesses, significant workforce reduction, outsourcing of servicing operations to MOHELA, and efforts to streamline its organizational structure, are likely t...

This article first appeared on GuruFocus. Release Date: April 23, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Enova International Inc (NYSE:ENVA) reported a strong start to 2026 with a 33% year-over-year increase in originations, reaching nearly $2.3 billion. Revenue increased 17% year-over-year to a record $875 million in the first quarter, driven by strong portfolio growth. The company's small business lending segment saw a 42% year-over-year growth in originations, contributing to a 37% increase in revenue. Enova International Inc (NYSE:ENVA) demonstrated solid credit performance with a consolidated net charge-off ratio of 7.6%, the lowest since Q2 2023. The company is optimistic about its upcoming acquisition of Grasshopper Bank, expecting significant synergies and EPS accretion of more than 25% post-closing. Marketing expenses increased to 22% of revenue, up from 19% in the first quarter of 2025, indicating higher costs to drive originations. Operations and technology expenses rose to 8.7% of revenue, reflecting increased costs associated with growth in receivables and originations. The consumer loan yield experienced a slight dip, attributed to a higher mix of lower-yield installment loans. There are concerns about potential impacts from geopolitical issues, such as rising energy costs due to the Iran War. The pending acquisition of Grasshopper Bank involves regulatory processes that could delay expected synergies and benefits. Warning! GuruFocus has detected 11 Warning Signs with ENVA. Is ENVA fairly valued? Test your thesis with our free DCF calculator. Q: Can you discuss the originations in both consumer and small business sectors and how marketing costs influenced these? A: Our SMB business has consistently grown over 20% each quarter for the past two years. Marketing remains efficient, and we lean into it where we see opportunities for growth with strong unit economics. On the consumer side, growth has been re-accelerating after a period of credit recalibration last year. We expect continued healthy growth in both sectors, with marketing efforts effectively targeting channels that deliver the best value. Q: What are you observing in terms of repayment trends for both consumer and small business sectors? A: Credit performance remains strong, with SMB charge-offs in a tight range and cons...

Enova International (ENVA) reported Q1 adjusted earnings late Thursday of $3.87 per diluted share, u

Enova International, Inc. ENVA reported first-quarter 2026 adjusted earnings per share (EPS) of $3.87, which increased from $2.98 in the prior-year quarter. The metric surpassed the Zacks Consensus Estimate of $3.66. Results were aided by increased revenues and improving credit quality. However, an increase in expenses was a headwind. Results include certain items. After considering those, the company’s net income attributable to common shareholders was $91.1 million compared with $72.9 million in the year-ago quarter. Total quarterly revenues were $875.1 million, rising 17.4% year over year. The top line surpassed the Zacks Consensus Estimate of $851.2 million. The total cost of revenue was $1.9 million, which increased marginally from the prior-year quarter. Total operating expenses were $321.8 million, up 26.6% from the previous-year quarter. The rise was due to an increase in all components except depreciation and amortization. The company also recorded $2.7 million ($2 million net of tax) of acquisition-related expenses tied to the pending Grasshopper Bancorp deal. Adjusted EBITDA totaled $227.4 million, up 19.7% from the year-ago quarter. As of March 31, 2026, cash and cash equivalents were $96.1 million compared with $55.5 million as of March 31, 2025. Long-term debt was $4.8 billion compared with $3.7 billion as of March 31, 2025. Consumer Loans and Finance Receivables: Net revenues from the segment were $445.8 million, up 3.5% year over year. Small Business Loans and Finance Receivables: This segment’s net revenues totaled $417.5 million, up 37.1% year over year. Other: Net revenues of $11.8 million were up 16.9% year over year. The company recorded net charge-offs (NCOs) of $390.6 million compared with $350.3 million in the year-ago quarter. Net charge-offs/average combined loan and finance receivables were 7.6%, down from 8.6% in the prior-year quarter. The company’s net revenue margin was 60.1%, up from 56.8% in the prior-year quarter. The 30-plus-day delinquency ratio was 7.4%, down 3 bps year over year. In the first quarter, the company repurchased $16 million of common stock. As of March 31, 2026, $32.2 million remained available for repurchase. The company’s revenue growth and improving credit metrics are expected to support near-term performance. Also, its expansion into small-business lending is likely to aid long-term growth. The pending a...

Enova International (ENVA) came out with quarterly earnings of $3.87 per share, beating the Zacks Consensus Estimate of $3.66 per share. This compares to earnings of $2.98 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +5.74%. A quarter ago, it was expected that this online financial services company would post earnings of $3.2 per share when it actually produced earnings of $3.46, delivering a surprise of +8.13%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Enova International, which belongs to the Zacks Financial - Consumer Loans industry, posted revenues of $875.14 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 2.81%. This compares to year-ago revenues of $745.54 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Enova International shares have added about 6.9% since the beginning of the year versus the S&P 500's gain of 4.3%. While Enova International has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Enova International was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can...