Enova International, Inc. (NYSE: ENVA) announced its third‑quarter 2025 financial results on Oct. 23 2025. The company reported revenue of $802.678 million, up 16.3% year‑over‑year, and net income of $80.314 million, an increase of 85% from the $43.414 million reported for the same period in 2024. Diluted earnings per share rose to $3.03 from $1.57, reflecting a 93% increase in earnings power.
Operating performance was strong, with net revenue of $460.707 million and operating income of $196.775 million. Total operating expenses were $263.932 million, while interest expense was $86.954 million. The company’s combined loan and finance receivables fair value reached $5.037 billion, up 21% from $4.159 billion in Q3 2024, underscoring continued growth in its loan portfolio.
Credit quality remained stable, with a consolidated net charge‑off ratio of 8.6% and a 30‑plus‑day delinquency rate of 8.2% for consumer loans. The results demonstrate Enova’s ability to expand revenue and earnings while maintaining solid risk metrics, reinforcing its position as a leading online lender for underserved consumers and small businesses.
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