Enova posted FY 2025 revenue of USD 3.15 billion (up 18.6%), with net revenue of USD 1.83 billion (up 19.7%) and income from operations of USD 739.43 million (up 26.5%). Net income was USD 308.39 million and diluted EPS was USD 11.52. On a non-GAAP basis, adjusted earnings were USD 346.91 million and adjusted EPS was USD 12.96, while adjusted EBITDA was USD 820.93 million (26% of revenue). Consumer loans and finance receivables revenue was USD 1.75 billion (up 10.9%) and small business loans and finance receivables revenue was USD 1.36 billion (up 30.5%). Total operating expenses were USD 1.09 billion (up 15.5%), including marketing expense of USD 621.08 million (up 18.6%). Interest expense, net was USD 339.31 million (up 16.8%). As a corporate update, Enova entered into a merger agreement on Dec. 10, 2025 to acquire Grasshopper Bancorp for an aggregate purchase price valued at about USD 369 million at signing, to be paid in a mix of cash and newly issued shares; the deal is expected to close in the second half of 2026 subject to regulatory approvals. Enova also said the CFPB terminated its Consent Order effective Aug. 29, 2025 and waived any alleged non-compliance.

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