Financial technology company Enova International (NYSE: ENVA) fell short of the markets revenue expectations in Q4 CY2025, with sales falling 31.2% year on year to $501.9 million. Its non-GAAP profit of $3.46 per share was 9.1% above analysts’ consensus estimates.
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Enova (ENVA) Q4 CY2025 Highlights:
- Revenue: $501.9 million vs analyst estimates of $838.1 million (31.2% year-on-year decline, 40.1% miss)
- Pre-tax Profit: $98.78 million (19.7% margin)
- Adjusted EPS: $3.46 vs analyst estimates of $3.17 (9.1% beat)
- Market Capitalization: $3.93 billion
"Our fourth quarter results capped off another exceptional year for Enova as originations growth and solid credit across our portfolio once again drove strong financial performance," said Steve Cunningham, Enova's CEO.
Company Overview
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.
Revenue Growth
A company’s long-term sales performance can indicate its overall quality. Any business can put up a good quarter or two, but many enduring ones grow for years. Luckily, Enova’s revenue grew at an excellent 21% compounded annual growth rate over the last five years. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.
Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. Enova’s annualized revenue growth of 15.3% over the last two years is below its five-year trend, but we still think the results suggest healthy demand. 
Note: Quarters not shown were determined to be outliers, impacted by outsized investment gains/losses that are not indicative of the recurring fundamentals of the business.
This quarter, Enova missed Wall Street’s estimates and reported a rather uninspiring 31.2% year-on-year revenue decline, generating $501.9 million of revenue.
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Key Takeaways from Enova’s Q4 Results
It was good to see Enova beat analysts’ EPS expectations this quarter. On the other hand, its revenue missed. Overall, this quarter could have been better. The stock traded down 2.6% to $153.51 immediately following the results.
Enova may have had a tough quarter, but does that actually create an opportunity to invest right now? We think that the latest quarter is only one piece of the longer-term business quality puzzle. Quality, when combined with valuation, can help determine if the stock is a buy. We cover that in our actionable full research report which you can read here (it’s free).
