Despite strong top-line growth and improving credit metrics, the EPS miss may pressure shares near-term. Monitor management's commentary on the Grasshopper Bank acquisition timeline and cost synergies on the earnings call, as execution risk remains elevated.
Price Chart
Executive Summary
Enova reported Q1 2026 earnings with revenue of $875.1 million (+17% YoY) and diluted EPS of $3.46 (+29% YoY), missing consensus EPS of $3.68 by 6.0%. Strong credit performance and originations growth were offset by the EPS miss. The company continues integration planning for its pending acquisition of Grasshopper Bank.
Key Financial Metrics
Key Facts
- Q1 2026 revenue: $875.1 million, up 17% YoY
- Diluted EPS: $3.46, up 25% YoY but missed consensus of $3.68 by 6.0%
- Net revenue margin improved to 60.1% from 56.8% in Q1 2025
- Net charge-off ratio improved to 7.6% from 8.6% in Q1 2025
- Originations rose 33% YoY to $2.3 billion
- Repurchased $16 million of stock
Financial Impact
Revenue beat by $23.4 million (+2.8%), EPS miss by $0.22 (-6.0%)
Risk Factors
- EPS miss could signal margin pressure despite revenue and credit improvements
- Regulatory delays in Grasshopper Bank acquisition could impact synergy realization
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-173746 |
| Document: enva-20260423.htm | 0001193125-26-173746 |
| Document: 0001193125-26-173746-index-headers.html | 0001193125-26-173746 |
| Document: 0001193125-26-173746-index.html | 0001193125-26-173746 |
| Document: 0001193125-26-173746.txt | 0001193125-26-173746 |
| 8-K Data (Synthetic) | 0001193125-26-173746 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 144 | $171.46 | awaiting T+5 | — | $171.31 (−0.09%) |
Oct 27, 2026 today | 144 | $171.46 | awaiting T+5 | — | $171.31 (−0.09%) |
Oct 27, 2026 today | 144 | $172.20 | awaiting T+5 | — | $171.31 (−0.51%) |
Oct 22, 2026 5d ago | 8-K | $165.07 | awaiting T+5 | — | $171.31 (−3.78%) |
Oct 20, 2026 7d ago | Institutional Cluster | $180.05 | awaiting T+5 | — | $171.31 (−4.85%) |
Oct 16, 2026 11d ago | 8-K | $176.20 $170.03 | ▲ +3.50% | ▲ +3.36% | $171.31 (+2.78%) |
Oct 13, 2026 14d ago | 8-K | $174.18 $180.05 | ▲ +3.37% | ▲ +2.92% | $171.31 (−1.65%) |
Oct 12, 2026 15d ago | Institutional Cluster | $176.83 $176.20 | ▼ −0.36% | ▲ +1.14% | $171.31 (−3.12%) |
Sep 25, 2026 4w ago | 8-K | $170.02 $178.00 | ▲ +4.69% | ▲ +3.49% | $171.31 (+0.76%) |
Sep 17, 2026 5w ago | 144 | $174.72 $173.48 | ▼ −0.71% | ▼ −1.98% | $171.31 (−1.95%) |
US Market Status
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