Form 8-K

8-K — Enova International, Inc.

Accession: 0001193125-26-314134

Filed: 2026-07-23

Period: 2026-07-23

CIK: 0001529864

SIC: 6141 (PERSONAL CREDIT INSTITUTIONS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — enva-20260723.htm (Primary)

EX-99.1 (enva-ex99_1.htm)

XML — IDEA: XBRL DOCUMENT (R1.htm)

8-K

8-K (Primary)

Filename: enva-20260723.htm · Sequence: 1

8-K

0001529864false00015298642026-07-232026-07-23

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 23, 2026

ENOVA INTERNATIONAL, INC.

(Exact name of Registrant as Specified in Its Charter)

Delaware

1-35503

45-3190813

(State or Other Jurisdiction

of Incorporation)

(Commission File Number)

(IRS Employer

Identification No.)

175 West Jackson Boulevard

Chicago, Illinois

60604

(Address of Principal Executive Offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: 312 568-4200

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange on which registered

Common Stock, $.00001 par value per share

ENVA

New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On July 23, 2026, Enova International, Inc. (the “Company”) issued a press release to announce its consolidated financial results for the three months ended June 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

The information included or incorporated by reference in this Current Report on Form 8-K under this Item 2.02 is being furnished and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

The following exhibits are furnished as part of this Report on Form 8-K:

Exhibit No.

Description

99.1

Enova International, Inc. press release dated July 23, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

Enova International, Inc.

Date:

July 23, 2026

By:

/s/ Sean Rahilly

Sean Rahilly

General Counsel & Secretary

EX-99.1

Filename: enva-ex99_1.htm · Sequence: 2

EX-99.1

Exhibit 99.1

Enova Reports Second Quarter 2026 Results

•

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.

•

Credit performance remained strong, with the consolidated net charge-off ratio decreasing to 7.3% and the net revenue margin improving to 61%.

•

Sequential stability in the consolidated 30+ day delinquency ratio and fair value premium reflect a continued stable credit performance and outlook.

•

Liquidity, including cash and marketable securities and available capacity on facilities, totaled $929 million at June 30.

CHICAGO, July 23, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced financial results for the second quarter ended June 30, 2026.

“Healthy originations growth and strong credit performance drove our eighth consecutive quarter of year-over-year adjusted EPS growth of 30% or more,” said Steve Cunningham, Enova’s CEO. “We are excited to build upon our proven capabilities with the planned acquisition of Grasshopper Bank. We remain in a constructive dialogue with regulators as they continue their application review process, and we look forward to closing later this year to begin immediately delivering on the significant transaction synergies.”

Second Quarter 2026 Summary

•

Total revenue of $929 million increased 22% from $764 million in the second quarter of 2025.

•

Net revenue margin of 61% compared to 58% in the second quarter of 2025, reflecting continued solid credit performance.

•

Net income of $105 million, or $4.00 per diluted share, increased 38% from $76 million, or $2.86 per diluted share, in the second quarter of 2025.

•

Adjusted EBITDA1 of $256 million increased 26% from $203 million in the second quarter of 2025.

•

Adjusted earnings per share1 of $4.31 increased 33% from $3.23 in the second quarter of 2025.

•

Total company combined loans and finance receivables1 increased 28% from the end of the second quarter of 2025 to a record $5.5 billion with total company originations of $2.3 billion in the quarter.

•

Repurchased $19 million of common stock under the company’s share repurchase program.

“Our second quarter results exceeded our expectations on both the top and bottom line and reflect the strength of our talented team, diversified product offerings, scalable operating model and world-class risk management capabilities,” said Scott Cornelis, CFO of Enova. “Based on what we are seeing today we’re raising our outlook for the year and we remain focused on continuing to generate sustainable and profitable growth while delivering on our commitment to driving long-term shareholder value and on our mission of helping hardworking people get access to fast, trustworthy credit.”

1 Non-GAAP measure. Refer to “Non-GAAP Financial Measures,” “Loans and Finance Receivables Financial and Operating Data,”

and “Reconciliation of GAAP to Non-GAAP Financial Measures” below for additional information.

Conference Call

Enova will host a conference call to discuss its second quarter 2026 results at 4 p.m. Central Time / 5 p.m. Eastern Time today, July 23rd. The live webcast of the call can be accessed at the Enova 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 Enova

Enova 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 over $72 billion in loans and financing to more than 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.

SOURCE Enova International, Inc.

For further information:

Public Relations Contact:

Erin Yeager

Email: media@enova.com

Investor Relations Contact:

Lindsay Savarese

Office: (212) 331-8417

Email: IR@enova.com

Cautionary Statement Concerning Forward Looking Statements

This release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 about the business, financial condition and prospects of Enova. These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of Enova's senior management with respect to the business, financial condition and prospects of Enova as of the date of this release and are not guarantees of future performance. The actual results of Enova could differ materially from those indicated by such forward-looking statements because of various risks and uncertainties applicable to Enova's business, including, without limitation, those risks and uncertainties indicated in Enova's filings with the Securities and Exchange Commission ("SEC"), including our annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K. These risks and uncertainties are beyond the ability of Enova to control, and, in many cases, Enova cannot predict all of the risks and uncertainties that

could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, the words "believes," "estimates," "plans," "expects," "anticipates" and similar expressions or variations as they relate to Enova or its management are intended to identify forward-looking statements. Enova cautions you not to put undue reliance on these statements. Enova disclaims any intention or obligation to update or revise any forward-looking statements after the date of this release.

Important Additional Information Filed with the SEC

In connection with the proposed transaction with Grasshopper, Enova filed with the SEC a registration statement on Form S-4 (File No. 333-292287) (the “registration statement”), which contains a proxy statement of Grasshopper and a prospectus of Enova (the “proxy statement/prospectus”), and Enova may file with the SEC other relevant documents regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS CAREFULLY AND IN THEIR ENTIRETY AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC BY ENOVA, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY CONTAIN IMPORTANT INFORMATION ABOUT ENOVA, GRASSHOPPER AND THE PROPOSED TRANSACTION. A definitive copy of the proxy statement/prospectus was mailed to stockholders of Grasshopper on or about December 31, 2025. Investors and security holders are able to obtain the registration statement and the proxy statement/prospectus, as well as other filings containing information about Enova, free of charge from Enova or from the SEC’s website. The documents filed by Enova with the SEC may be obtained free of charge at Enova’s website, at https://ir.enova.com/sec-filings, or by requesting them by mail at Enova International, Inc., Attention: General Counsel, 175 West Jackson Blvd., Suite 600, Chicago, Illinois 60604.

Participants in the Solicitation

This communication is not a solicitation of a proxy from any security holder of Enova or Grasshopper. However, Enova, Grasshopper and certain of their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from the stockholders of Grasshopper in respect of the proposed transaction. Information about Enova’s directors and executive officers is available in its Annual Report on Form 10-K for the year ended December 31, 2025 and other documents filed by Enova with the SEC. Information regarding the persons who may, under the rules of the SEC, be deemed participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, are contained in the proxy statement/prospectus and other relevant materials to be filed with the SEC. Free copies of this document may be obtained as described in the preceding paragraph.

This communication shall not constitute an offer to sell or the solicitation of an offer to buy any securities of Enova or a solicitation of any vote or approval with respect to the proposed transaction by Enova of Grasshopper, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. No offering of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the U.S. Securities Act of 1933, as amended.

Non-GAAP Financial Measures

In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States, or GAAP, Enova provides historical non-GAAP financial information. Enova presents non-GAAP financial information because such measures are used by management in understanding the activities and business metrics of Enova's operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of Enova's business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.

Management provides non-GAAP financial information for informational purposes and to enhance understanding of Enova's GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of or superior to, Enova's financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

Combined Loans and Finance Receivables

The combined loans and finance receivables measures are non-GAAP measures that include loans and finance receivables that Enova owns or has purchased and loans that Enova guarantees. Management believes these non-GAAP measures provide management and investors with important information needed to evaluate the magnitude of potential receivable losses and the opportunity for revenue performance of the loans and finance receivable portfolio on an aggregate basis. Management also believes that the comparison of the aggregate amounts from period to period is more meaningful than comparing only the amounts reflected on Enova's consolidated balance sheet since revenue is impacted by the aggregate amount of receivables owned by Enova and those guaranteed by Enova as reflected in its consolidated financial statements.

Adjusted Earnings Measures

Enova provides adjusted earnings and adjusted earnings per share, or, collectively, the Adjusted Earnings Measures, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which can provide a more complete understanding of Enova's financial performance, competitive position and prospects for the future. Management utilizes, and also believes that investors utilize, the Adjusted Earnings Measures to assess operating performance, recognizing that such measures may highlight trends in Enova's business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the Adjusted Earnings Measures are useful to management and investors in comparing Enova's financial results during the periods shown without the effect of certain items that are not indicative of Enova’s core operating performance or results of operations.

Adjusted EBITDA Measures

Enova provides Adjusted EBITDA and Adjusted EBITDA margin, or, collectively, the Adjusted EBITDA measures, which are non-GAAP measures. Adjusted EBITDA is a non-GAAP measure that Enova defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes, stock-based

compensation and certain other items, as appropriate, that are not indicative of our core operating performance. Adjusted EBITDA margin is a non-GAAP measure that Enova defines as Adjusted EBITDA as a percentage of total revenue. Management utilizes, and also believes that investors utilize, Adjusted EBITDA Measures to analyze operating performance and evaluate Enova's ability to incur and service debt and Enova's capacity for making capital expenditures. Enova believes that Adjusted EBITDA is useful to management and investors in comparing Enova’s financial results during the periods shown without the effect of certain non-cash items and certain items that are not indicative of Enova’s core operating performance or results of operations. Adjusted EBITDA Measures are also useful to investors to help assess Enova's estimated enterprise value.

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(dollars in thousands, except per share data)

(Unaudited)

June 30,

December 31,

2026

2025

Assets

Cash and cash equivalents

122,226

55,560

71,709

Restricted cash

342,986

323,883

336,154

Loans and finance receivables at fair value

6,172,764

4,773,315

5,471,544

Income taxes receivable

32,045

35,586

40,901

Other receivables and prepaid expenses

81,225

78,045

80,870

Property and equipment, net

140,251

127,686

132,566

Operating lease right-of-use assets

15,352

17,781

16,549

Goodwill

279,275

Intangible assets, net

2,151

6,923

3,660

Other assets

33,907

26,699

35,204

Total assets

7,222,182

5,724,753

6,468,432

Liabilities and Stockholders’ Equity

Accounts payable and accrued expenses

334,882

257,509

305,849

Operating lease liabilities

31,554

32,654

32,041

Deferred tax liabilities, net

344,742

242,421

295,437

Long-term debt

5,013,901

3,963,514

4,498,381

Total liabilities

5,725,079

4,496,098

5,131,708

Commitments and contingencies

Stockholders’ equity:

Common stock, $0.00001 par value, 250,000,000 shares authorized, 47,989,998, 47,176,544 and 47,441,228 shares issued and 24,885,756, 25,070,028 and 24,715,608 outstanding as of June 30, 2026 and 2025 and December 31, 2025, respectively

—

Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding

—

Additional paid in capital

390,645

346,926

370,078

Retained earnings

2,202,300

1,846,848

2,006,143

Accumulated other comprehensive loss

(6,475

)

(8,853

)

(9,500

)

Treasury stock, at cost (23,104,242, 22,106,516 and 22,725,620 shares as of June 30, 2026 and 2025 and December 31, 2025, respectively)

(1,089,367

)

(956,266

)

(1,029,997

)

Total stockholders’ equity

1,497,103

1,228,655

1,336,724

Total liabilities and stockholders’ equity

7,222,182

5,724,753

6,468,432

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(in thousands, except per share data)

(Unaudited)

Three Months Ended

Six Months Ended

June 30,

2026

2025

2026

2025

Revenue

928,927

764,043

1,804,069

1,509,584

Change in Fair Value

(360,861

)

(322,585

)

(707,044

)

(641,944

)

Net Revenue

568,066

441,458

1,097,025

867,640

Operating Expenses

Marketing

203,557

142,848

392,972

282,139

Operations and technology

74,864

63,648

150,615

126,110

General and administrative

44,080

40,508

91,858

82,972

Depreciation and amortization

8,418

10,348

17,327

20,409

Total Operating Expenses

330,919

257,352

652,772

511,630

Income from Operations

237,147

184,106

444,253

356,010

Interest expense, net

(97,818

)

(82,781

)

(191,864

)

(163,325

)

Foreign currency transaction gain (loss)

440

134

(56

)

(318

)

Equity method investment income

338

613

639

733

Other nonoperating expenses

—

(1,019

)

—

(1,019

)

Income before Income Taxes

140,107

101,053

252,972

192,081

Provision for income taxes

35,049

24,904

56,815

42,987

Net income

105,058

76,149

196,157

149,094

Earnings Per Share

Earnings per common share:

Basic

4.22

3.01

7.88

5.85

Diluted

4.00

2.86

7.45

5.51

Weighted average common shares outstanding:

Basic

24,882

25,297

24,878

25,486

Diluted

26,274

26,646

26,343

27,062

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOW

(dollars in thousands)

(Unaudited)

Six Months Ended June 30,

2026

2025

Total cash flows provided by operating activities

1,018,574

838,508

Cash flows from investing activities

Loans and finance receivables

(1,387,973

)

(1,013,727

)

Capitalization of software development costs and purchases of fixed assets

(23,365

)

(24,099

)

Total cash flows used in investing activities

(1,411,338

)

(1,037,826

)

Cash flows provided by financing activities

450,410

255,953

Effect of exchange rates on cash, cash equivalents and restricted cash

(297

)

140

Net increase in cash, cash equivalents and restricted cash

57,349

56,775

Cash, cash equivalents and restricted cash at beginning of year

407,863

322,668

Cash, cash equivalents and restricted cash at end of period

465,212

379,443

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

LOANS AND FINANCE RECEIVABLES FINANCIAL AND OPERATING DATA

(dollars in thousands)

The following table includes financial information for loans and finance receivables, which is based on loan and finance receivable balances for the three months ended June 30, 2026 and 2025.

Three Months Ended June 30,

2026

2025

Change

Ending combined loan and finance receivable principal balance:

Company owned

5,351,091

4,141,113

1,209,978

Guaranteed by the Company(a)

19,388

16,762

2,626

Total combined loan and finance receivable principal balance(b)

5,370,479

4,157,875

1,212,604

Ending combined loan and finance receivable fair value balance:

Company owned

6,172,764

4,773,315

1,399,449

Guaranteed by the Company(a)

27,631

23,777

3,854

Ending combined loan and finance receivable fair value balance(b)

6,200,395

4,797,092

1,403,303

Fair value as a % of principal(c)

115.5

115.4

0.1

Ending combined loan and finance receivable balance, including principal and accrued fees/interest outstanding:

Company owned

5,524,210

4,298,675

1,225,535

Guaranteed by the Company(a)

23,031

20,014

3,017

Ending combined loan and finance receivable balance(b)

5,547,241

4,318,689

1,228,552

Average combined loan and finance receivable balance, including principal and accrued fees/interest outstanding:

Company owned(d)

5,379,753

4,201,674

1,178,079

Guaranteed by the Company(a)(d)

20,015

18,495

1,520

Average combined loan and finance receivable balance(a)(d)

5,399,768

4,220,169

1,179,599

Installment loans as percentage of average combined loan and finance receivable balance

43.1

44.2

(1.1

Line of credit accounts as percentage of average combined loan and finance receivable balance

56.9

55.8

1.1

Revenue

916,689

754,577

162,112

Change in fair value

(358,786

)

(320,556

)

(38,230

)

Net revenue

557,903

434,021

123,882

Net revenue margin

60.9

57.5

3.4

Combined loan and finance receivable originations and purchases

2,294,329

1,803,049

491,280

Delinquencies:

>30 days delinquent

415,321

305,583

109,738

>30 days delinquent as a % of combined loan and finance receivable balance(c)

7.5

7.1

0.4

Charge-offs:

Charge-offs (net of recoveries)

392,081

342,880

49,201

Charge-offs (net of recoveries) as a % of average combined loan and finance receivable balance(d)

7.3

8.1

(0.8

(a) Represents loans originated by third-party lenders through the CSO programs, which are not included in our consolidated balance sheets.

(b) Non-GAAP measure.

(d) The average combined loan and finance receivable balance is the average of the month-end balances during the period.

ENOVA INTERNATIONAL, INC. AND SUBSIDIARIES

RECONCILIATION OF GAAP TO NON-GAAP FINANCIAL MEASURES

(dollars in thousands, except per share data)

Adjusted Earnings Measures

Three Months Ended

Six Months Ended

June 30,

2026

2025

2026

2025

Net income

105,058

76,149

196,157

149,094

Adjustments:

Transaction-related costs(a)

1,482

—

4,132

—

Equity method investment income

(338

)

(613

)

(639

)

(733

)

Other nonoperating expenses(b)

—

1,019

—

1,019

Intangible asset amortization

259

2,013

1,509

4,027

Stock-based compensation expense

8,747

8,106

17,456

16,042

Foreign currency transaction (gain) loss

(440

)

(134

)

318

Cumulative tax effect of adjustments

(1,501

)

(488

)

(3,472

)

(2,976

)

Adjusted earnings

113,267

86,052

215,199

166,791

Diluted earnings per share

4.00

2.86

7.45

5.51

Adjusted earnings per share

4.31

3.23

8.17

6.16

Adjusted EBITDA

Three Months Ended

Six Months Ended

June 30,

2026

2025

2026

2025

Net income

105,058

76,149

196,157

149,094

Depreciation and amortization expenses

8,418

10,348

17,327

20,409

Interest expense, net

97,818

82,781

191,864

163,325

Foreign currency transaction (gain) loss

(440

)

(134

)

318

Provision for income taxes

35,049

24,904

56,815

42,987

Stock-based compensation expense

8,747

8,106

17,456

16,042

Adjustments:

Transaction-related costs(a)

1,482

—

4,132

—

Equity method investment income

(338

)

(613

)

(639

)

(733

)

Other nonoperating expenses(b)

—

1,019

—

1,019

Adjusted EBITDA

255,794

202,560

483,168

392,461

Adjusted EBITDA margin calculated as follows:

Total Revenue

928,927

764,043

1,804,069

1,509,584

Adjusted EBITDA

255,794

202,560

483,168

392,461

Adjusted EBITDA as a percentage of total revenue

27.5

26.5

26.8

26.0

(a)

In the first and second quarters of 2026, the Company recorded $2.7 million ($2.0 million net of tax) and $1.5 million ($1.1 million net of tax), respectively, of costs related to the announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank.

(b)

In the second quarter of 2025, the Company recorded other nonoperating expense of $1.0 million ($0.8 million net of tax) related to the early extinguishment of debt.

XML — IDEA: XBRL DOCUMENT

XML

Filename: R1.htm · Sequence: 5

v3.26.1

Document And Entity Information

Jul. 23, 2026

Cover [Abstract]

Document Type

8-K

Amendment Flag

false

Document Period End Date

Jul. 23, 2026

Entity Registrant Name

ENOVA INTERNATIONAL, INC.

Entity Central Index Key

0001529864

Entity Emerging Growth Company

false

Entity File Number

1-35503

Entity Incorporation, State or Country Code

Entity Tax Identification Number

45-3190813

Entity Address, Address Line One

175 West Jackson Boulevard

Entity Address, City or Town

Chicago

Entity Address, State or Province

Entity Address, Postal Zip Code

60604

City Area Code

312

Local Phone Number

568-4200

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Title of 12(b) Security

Common Stock, $.00001 par value per share

Trading Symbol

ENVA

Security Exchange Name

NYSE

- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

+ References

No definition available.

+ Details

Name:

dei_AmendmentFlag

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Area code of city

+ References

No definition available.

+ Details

Name:

dei_CityAreaCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Cover page.

+ References

No definition available.

+ Details

Name:

dei_CoverAbstract

Namespace Prefix:

dei_

Data Type:

xbrli:stringItemType

Balance Type:

Period Type:

duration

- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

+ References

No definition available.

+ Details

Name:

dei_DocumentPeriodEndDate

Namespace Prefix:

dei_

Data Type:

xbrli:dateItemType

Balance Type:

Period Type:

duration

- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

+ References

No definition available.

+ Details

Name:

dei_DocumentType

Namespace Prefix:

dei_

Data Type:

dei:submissionTypeItemType

Balance Type:

Period Type:

duration

- Definition

Address Line 1 such as Attn, Building Name, Street Name

+ References

No definition available.

+ Details

Name:

dei_EntityAddressAddressLine1

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the City or Town

+ References

No definition available.

+ Details

Name:

dei_EntityAddressCityOrTown

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Code for the postal or zip code

+ References

No definition available.

+ Details

Name:

dei_EntityAddressPostalZipCode

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Name of the state or province.

+ References

No definition available.

+ Details

Name:

dei_EntityAddressStateOrProvince

Namespace Prefix:

dei_

Data Type:

dei:stateOrProvinceItemType

Balance Type:

Period Type:

duration

- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityCentralIndexKey

Namespace Prefix:

dei_

Data Type:

dei:centralIndexKeyItemType

Balance Type:

Period Type:

duration

- Definition

Indicate if registrant meets the emerging growth company criteria.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityEmergingGrowthCompany

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

+ References

No definition available.

+ Details

Name:

dei_EntityFileNumber

Namespace Prefix:

dei_

Data Type:

dei:fileNumberItemType

Balance Type:

Period Type:

duration

- Definition

Two-character EDGAR code representing the state or country of incorporation.

+ References

No definition available.

+ Details

Name:

dei_EntityIncorporationStateCountryCode

Namespace Prefix:

dei_

Data Type:

dei:edgarStateCountryItemType

Balance Type:

Period Type:

duration

- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityRegistrantName

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

+ Details

Name:

dei_EntityTaxIdentificationNumber

Namespace Prefix:

dei_

Data Type:

dei:employerIdItemType

Balance Type:

Period Type:

duration

- Definition

Local phone number for entity.

+ References

No definition available.

+ Details

Name:

dei_LocalPhoneNumber

Namespace Prefix:

dei_

Data Type:

xbrli:normalizedStringItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

Name:

dei_PreCommencementIssuerTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

Name:

dei_PreCommencementTenderOffer

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

Name:

dei_Security12bTitle

Namespace Prefix:

dei_

Data Type:

dei:securityTitleItemType

Balance Type:

Period Type:

duration

- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

dei_SecurityExchangeName

Namespace Prefix:

dei_

Data Type:

dei:edgarExchangeCodeItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

Name:

dei_SolicitingMaterial

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration

- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

dei_TradingSymbol

Namespace Prefix:

dei_

Data Type:

dei:tradingSymbolItemType

Balance Type:

Period Type:

duration

- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

+ Details

Name:

dei_WrittenCommunications

Namespace Prefix:

dei_

Data Type:

xbrli:booleanItemType

Balance Type:

Period Type:

duration