Enova International Inc.

07/14/2026 | Press release | Archived content

Supplemental Financial Information (Supplemental Earnings Release Tables 2026Q2)

Selected Financial Data

2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Statement of Income Data:
Revenue $ 609,889 $ 628,436 $ 689,924 $ 729,551 $ 2,657,800 $ 745,541 $ 764,043 $ 802,678 $ 839,391 $ 3,151,653 $ 875,142 $ 928,927 $ 1,804,069
Change in Fair Value (262,106) (255,980) (287,037) (314,091) (1,119,214) (317,480) (320,556) (339,872) (335,483) (1,313,391) (344,300) (358,786) (703,086)
Cost of Revenue (1,917) (2,265) (2,531) (2,424) (9,137) (1,879) (2,029) (2,099) (2,014) (8,021) (1,883) (2,075) (3,958)
Net Revenue 345,866 370,191 400,356 413,036 1,529,449 426,182 441,458 460,707 501,894 1,830,241 528,959 568,066 - - 1,097,025
Operating Expenses
Marketing 110,567 120,765 141,059 151,178 523,569 139,291 142,848 147,351 191,587 621,077 189,415 203,557 392,972
Operations and technology 54,379 54,953 56,628 58,431 224,391 62,462 63,648 64,564 67,505 258,179 75,751 74,864 150,615
General and administrative 39,865 39,708 38,916 38,035 156,524 42,464 40,508 39,661 47,089 169,722 47,778 44,080 91,858
Depreciation and amortization 10,263 9,709 10,039 10,196 40,207 10,061 10,348 12,356 9,066 41,831 8,909 8,418 17,327
Total Operating Expenses 215,074 225,135 246,642 257,840 944,691 254,278 257,352 263,932 315,247 1,090,809 321,853 330,919 - - 652,772
Income from Operations 130,792 145,056 153,714 155,196 584,758 171,904 184,106 196,775 186,647 739,432 207,106 237,147 - - 444,253
Interest expense (65,597) (70,954) (76,902) (76,989) (290,442) (80,544) (82,781) (86,954) (89,026) (339,305) (94,046) (97,818) (191,864)
Foreign currency transaction (loss) gain (48) (19) (95) (902) (1,064) (452) 134 90 595 367 (496) 440 (56)
Equity method investment income (loss) - - (16,552) 92 (16,460) 120 613 258 568 1,559 301 338 639
Other nonoperating expenses (492) (521) (4,678) - (5,691) - (1,019) - - (1,019) - - -
Income before Income Taxes 64,655 73,562 55,487 77,397 271,101 91,028 101,053 110,169 98,784 401,034 112,865 140,107 - - 252,972
Provision for income taxes 16,227 19,651 12,073 13,702 61,653 18,083 24,904 29,855 19,803 92,645 21,766 35,049 56,815
Net income $ 48,428 $ 53,911 $ 43,414 $ 63,695 $ 209,448 $ 72,945 $ 76,149 $ 80,314 $ 78,981 $ 308,389 $ 91,099 $ 105,058 $ - $ - $ 196,157
Earnings Per Share
Earnings per common share:
Basic $ 1.72 $ 2.00 $ 1.64 $ 2.44 $ 7.78 $ 2.84 $ 3.01 $ 3.22 $ 3.19 $ 12.25 $ 3.66 $ 4.22 ERROR:#DIV/0! ERROR:#DIV/0! $ 7.88
Diluted $ 1.64 $ 1.93 $ 1.57 $ 2.30 $ 7.43 $ 2.69 $ 2.86 $ 3.03 $ 3.00 $ 11.52 $ 3.46 $ 4.00 ERROR:#DIV/0! ERROR:#DIV/0! $ 7.45
Weighted average common shares outstanding:
Basic 28,196 26,938 26,420 26,141 26,920 25,676 25,297 24,955 24,758 25,169 24,874 24,882 24,878
Diluted 29,503 27,941 27,711 27,666 28,202 27,104 26,646 26,472 26,357 26,775 26,349 26,274 26,343
Balance Sheet Data (at period end):
Cash and cash equivalents $ 76,458 $ 60,138 $ 67,500 $ 73,910 $ 73,910 $ 55,514 $ 55,560 $ 53,600 $ 71,709 $ 71,709 $ 96,130 $ 122,226 $ 122,226 $ 122,226 $ 122,226
Loans and finance receivables at fair value 3,795,210 3,939,159 4,134,440 4,386,444 4,386,444 4,569,819 4,773,315 5,012,853 5,471,544 5,471,544 5,872,957 6,172,764 6,172,764 6,172,764 6,172,764
Total assets 4,636,527 4,817,091 4,975,696 5,266,131 5,266,131 5,457,258 5,724,753 5,962,237 6,468,432 6,468,432 6,877,251 7,222,182 7,222,182 7,222,182 7,222,182
Long-term debt 3,040,867 3,194,121 3,293,735 3,563,482 3,563,482 3,757,351 3,963,514 4,106,471 4,498,381 4,498,381 4,832,542 5,013,901 5,013,901 5,013,901 5,013,901
Total stockholder's equity 1,150,211 1,147,528 1,178,693 1,196,924 1,196,924 1,196,650 1,228,655 1,283,675 1,336,724 1,336,724 1,401,783 1,497,103 1,497,103 1,497,103 1,497,103

&"-,Bold"Enova International, Inc. Selected Historical Data (Unaudited) &8(In thousands, except per share data) &G

Adjusted EBITDA

2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Net income $ 48,428 $ 53,911 $ 43,414 $ 63,695 $ 209,448 $ 72,945 $ 76,149 $ 80,314 $ 78,981 $ 308,389 $ 91,099 $ 105,058 $ - $ - $ 196,157
Depreciation and amortization expenses 10,263 9,709 10,039 10,196 40,207 10,061 10,348 12,356 9,066 41,831 8,909 8,418 - - 17,327
Interest expense, net 65,597 70,954 76,902 76,989 290,442 80,544 82,781 86,954 89,026 339,305 94,046 97,818 - - 191,864
Foreign currency transaction loss (gain) 48 19 95 902 1,064 452 (134) (90) (595) (367) 496 (440) - - 56
Provision for income taxes 16,227 19,651 12,073 13,702 61,653 18,083 24,904 29,855 19,803 92,645 21,766 35,049 - - 56,815
Stock-based compensation expense 7,639 7,764 8,116 8,297 31,816 7,936 8,106 8,535 8,519 33,096 8,709 8,747 17,456
Adjustments:
Transaction-related costs(a) 327 - - - 327 - - - 6,566 6,566 2,650 1,482 4,132
Equity method investment loss (income)(b) - - 16,552 (92) 16,460 (120) (613) (258) (568) (1,559) (301) (338) - - (639)
Other nonoperating expenses(c) 492 521 4,678 - 5,691 - 1,019 - - 1,019 - - - - -
Regulatory settlement(d) - - - - - - - - - - - - - - -
Adjusted EBITDA $ 149,021 $ 162,529 $ 171,869 $ 173,689 $ 657,108 $ 189,901 $ 202,560 $ 217,666 $ 210,798 $ 820,925 $ 227,374 $ 255,794 $ - $ - $ 483,168
Adjusted EBITDA margin calculated as follows:
Total Revenue $ 609,889 $ 628,436 $ 689,924 $ 729,551 $ 2,657,800 $ 745,541 $ 764,043 $ 802,678 $ 839,391 $ 3,151,653 $ 875,142 $ 928,927 $ - $ - $ 1,804,069
Adjusted EBITDA $ 149,021 $ 162,529 $ 171,869 $ 173,689 $ 657,108 $ 189,901 $ 202,560 $ 217,666 $ 210,798 $ 820,925 $ 227,374 $ 255,794 $ - $ - $ 483,168
Adjusted EBITDA as a percentage of total revenue 24.4% 25.9% 24.9% 23.8% 24.7% 25.5% 26.5% 27.1% 25.1% 26.0% 26.0% 27.5% ERROR:#DIV/0! ERROR:#DIV/0! 26.8%
(a) In the first and second quarters of 2026 and the fourth quarter of 2025, the Company recorded costs related to the announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank. In the
first quarter of 2024, the Company recorded costs related to a consent solicitation for the Senior Notes due 2025.
(b) In the third quarter of 2024, the Company recorded a write-down of its investment in Linear.
(c) In the second quarter of 2025 and the first, second and third quarters of 2024, the Company recorded losses on early extinguishment of debt related to the repayment of debt.

&"-,Bold"Enova International, Inc. Adjusted EBITDA (Unaudited) &8(Dollars in thousands) &G

Adjusted Earnings

2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Net income attributable to Enova International, Inc. $ 48,428 $ 53,911 $ 43,414 $ 63,695 $ 209,448 $ 72,945 $ 76,149 $ 80,314 $ 78,981 $ 308,389 $ 91,099 $ 105,058 $ - $ - $ 196,157
Adjustments:
Transaction-related costs(a) 327 - - - 327 - - - 6,566 6,566 2,650 1,482 - - 4,132
Equity method investment loss (income)(b) - - 16,552 (92) 16,460 (120) (613) (258) (568) (1,559) (301) (338) - - (639)
Other nonoperating expenses(c) 492 521 4,678 - 5,691 - 1,019 - - 1,019 - - - - -
Intangible asset amortization 2,014 2,013 2,014 2,014 8,055 2,014 2,013 2,014 1,249 7,290 1,250 259 1,509
Stock-based compensation expense 7,639 7,764 8,116 8,297 31,816 7,936 8,106 8,535 8,519 33,096 8,709 8,747 - - 17,456
Foreign currency transaction loss (gain) 48 19 95 902 1,064 452 (134) (90) (595) (367) 496 (440) - - 56
Cumulative tax effect of adjustments (2,642) (2,590) (6,949) (2,608) (14,789) (2,488) (488) (1,692) (2,860) (7,528) (1,971) (1,501) (3,472)
Lease termination and cease-use loss(d) - - - - - - - - - - - - - - -
Regulatory settlement(e) - - - - - - - - - - - - - - -
Adjusted earnings $ 56,306 $ 61,638 $ 67,920 $ 72,208 $ 258,072 $ 80,739 $ 86,052 $ 88,823 $ 91,292 $ 346,906 $ 101,932 $ 113,267 $ - $ - $ 215,199
Diluted earnings per share $ 1.64 $ 1.93 $ 1.57 $ 2.30 $ 7.43 $ 2.69 $ 2.86 $ 3.03 $ 3.00 $ 11.52 $ 3.46 $ 4.00 ERROR:#DIV/0! ERROR:#DIV/0! $ 7.45
Adjusted earnings per share $ 1.91 $ 2.21 $ 2.45 $ 2.61 $ 9.15 $ 2.98 $ 3.23 $ 3.36 $ 3.46 $ 12.96 $ 3.87 $ 4.31 ERROR:#DIV/0! ERROR:#DIV/0! $ 8.17
(a) In the first and second quarters of 2026 and the fourth quarter of 2025, the Company recorded costs related to the announced acquisition of Grasshopper Bancorp, Inc. and its wholly-owned subsidiary Grasshopper Bank. In the
first quarter of 2024, the Company recorded costs related to a consent solicitation for the Senior Notes due 2025.
(b) In the third quarter of 2024, the Company recorded a write-down of its investment in Linear.
(c) In the second quarter of 2025 and the first, second and third quarters of 2024, the Company recorded losses on early extinguishment of debt related to the repayment of debt.

&"-,Bold"Enova International, Inc. Adjusted Earnings (Unaudited) &8(Dollars in thousands) &G

FV Metrics - Consumer

2024 2025 2026
Consumer loans and finance receivables: First Second Third Fourth First Second Third Fourth First Second Third Fourth
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter
Total combined loan and finance receivable principal(b) $ 1,117,144 $ 1,189,214 $ 1,284,322 $ 1,373,873 $ 1,341,581 $ 1,391,827 $ 1,413,912 $ 1,465,594 $ 1,452,170 $ 1,587,736
Ending combined loan and finance receivable fair value balance(b) 1,361,938 1,439,098 1,552,280 1,667,721 1,637,562 1,692,113 1,719,211 1,790,617 1,784,477 1,944,302
Fair value as a % of principal(a)(b) 121.9% 121.0% 120.9% 121.4% 122.1% 121.6% 121.6% 122.2% 122.9% 122.5% -% -%
Ending combined loan and finance receivable balance, including principal and accrued fees/interest outstanding(b) $ 1,221,597 $ 1,300,696 $ 1,412,679 $ 1,506,796 $ 1,467,465 $ 1,522,172 $ 1,546,739 $ 1,596,112 $ 1,578,923 $ 1,731,148
Average combined loan and finance receivable balance(b)(c) $ 1,257,633 $ 1,258,576 $ 1,363,871 $ 1,451,409 $ 1,497,514 $ 1,485,695 $ 1,545,673 $ 1,548,295 $ 1,592,989 $ 1,641,958
Revenue 364,731 367,558 410,884 433,648 430,825 428,311 443,413 445,565 445,807 477,419 - -
Change in fair value (182,979) (164,011) (203,647) (212,947) (217,057) (215,393) (246,789) (225,915) (215,541) (203,908)
Net revenue 181,752 203,547 207,237 220,701 213,768 212,918 196,624 219,650 230,266 273,511 - -
Net revenue margin 49.8% 55.4% 50.4% 50.9% 49.6% 49.7% 44.3% 49.3% 51.7% 57.3% -% -%
Delinquencies:
>30 days delinquent $ 84,137 $ 82,169 $ 123,369 $ 123,442 $ 120,598 $ 121,333 $ 142,240 $ 124,894 $ 125,290 $ 131,467
>30 days delinquent as a % of combined loan and finance receivable balance(a)(b) 6.9% 6.3% 8.7% 8.2% 8.2% 8.0% 9.2% 7.8% 7.9% 7.6% -% -%
Charge-offs:
Charge-offs (net of recoveries) $ 187,419 $ 161,171 $ 203,588 $ 233,139 $ 227,785 $ 215,004 $ 249,545 $ 247,598 $ 227,637 $ 209,952
Charge-offs (net recoveries) as a % of average combined loan and finance receivable balance(b)(c) 14.9% 12.8% 14.9% 16.1% 15.2% 14.5% 16.1% 16.0% 14.3% 12.8% -% -%
(a) Amounts as a % of loan balance are determined using period-end balances.
(b) Non-GAAP measure.
(c) The average combined loan and finance receivable balance is the average of the month-end balances during the period.

&"-,Bold"Enova International, Inc. Fair Value Metrics - Consumer (Unaudited) &8(Dollars in thousands) &G

FV Metrics- Small Business

2024 2025 2026
Small business loans and finance receivables: First Second Third Fourth First Second Third Fourth First Second Third Fourth
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter
Total principal $ 2,192,066 $ 2,246,925 $ 2,327,336 $ 2,456,430 $ 2,637,651 $ 2,766,048 $ 2,948,290 $ 3,301,076 $ 3,661,184 $ 3,782,743
Ending fair value balance 2,448,045 2,517,345 2,607,606 2,747,137 2,953,482 3,104,979 3,318,014 3,707,075 4,109,405 4,256,093
Fair value as a % of principal(a) 111.7% 112.0% 112.0% 111.8% 112.0% 112.3% 112.5% 112.3% 112.2% 112.5% -% -%
Ending loan and finance receivable balance, including principal and accrued fees/interest outstanding $ 2,229,917 $ 2,283,971 $ 2,351,885 $ 2,483,516 $ 2,667,734 $ 2,796,517 $ 2,974,371 $ 3,328,524 $ 3,696,655 $ 3,816,093
Average loan and finance receivable balance(b) $ 2,133,422 $ 2,240,893 $ 2,313,142 $ 2,412,795 $ 2,591,661 $ 2,734,474 $ 2,882,684 $ 3,157,860 $ 3,547,257 $ 3,757,810
Revenue 236,477 251,782 269,454 285,762 304,596 326,266 348,310 383,015 417,500 439,270 - -
Change in fair value (79,127) (91,969) (83,390) (101,144) (100,423) (105,163) (93,083) (109,568) (128,759) (154,878) - -
Net revenue 157,350 159,813 186,064 184,618 204,173 221,103 255,227 273,447 288,741 284,392 - -
Net revenue margin 66.5% 63.5% 69.1% 64.6% 67.0% 67.8% 73.3% 71.4% 69.2% 64.7% -% -%
Delinquencies:
>30 days delinquent $ 195,522 $ 185,884 $ 170,470 $ 174,390 $ 197,758 $ 184,250 $ 185,147 $ 207,270 $ 262,974 $ 283,854
>30 days delinquent as a % of loan and finance receivable balance(a) 8.8% 8.1% 7.2% 7.0% 7.4% 6.6% 6.2% 6.2% 7.1% 7.4% -% -%
Charge-offs:
Charge-offs (net of recoveries) $ 99,279 $ 107,215 $ 105,737 $ 109,044 $ 122,551 $ 127,876 $ 128,266 $ 144,477 $ 162,957 $ 182,129
Charge-offs (net recoveries) as a % of average loan and finance receivable balance(b) 4.7% 4.8% 4.6% 4.5% 4.7% 4.7% 4.4% 4.6% 4.6% 4.8% -% -%
(a) Amounts as a % of loan and finance receivable balance are determined using period-end balances.
(b) The average loan and finance receivable balance is the average of the month-end balances during the period.

&"-,Bold"Enova International, Inc. Fair Value Metrics - Small Business (Unaudited) &8(Dollars in thousands) &G

Revenue by Product

2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Consumer loans and finance receivables $ 364,731 $ 367,558 $ 410,884 $ 433,648 $ 1,576,821 $ 430,825 $ 428,311 $ 443,413 $ 445,565 $ 1,748,114 $ 445,807 $ 477,419 $ - $ - $ 923,226
Small business loans and finance receivables 236,477 251,782 269,454 285,762 1,043,475 304,596 326,266 348,310 383,015 1,362,187 417,500 439,270 - - 856,770
Total loans and finance receivables revenue 601,208 619,340 680,338 719,410 2,620,296 735,421 754,577 791,723 828,580 3,110,301 863,307 916,689 - - 1,779,996
Other 8,681 9,096 9,586 10,141 37,504 10,120 9,466 10,955 10,811 41,352 11,835 12,238 - - 24,073
Total revenue $ 609,889 $ 628,436 $ 689,924 $ 729,551 $ 2,657,800 $ 745,541 $ 764,043 $ 802,678 $ 839,391 $ 3,151,653 $ 875,142 $ 928,927 $ - $ - $ 1,804,069
2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Consumer loans and finance receivables 59.8% 58.5% 59.6% 59.4% 59.3% 57.8% 56.1% 55.2% 53.1% 55.5% 50.9% 51.4% ERROR:#DIV/0! ERROR:#DIV/0! 51.2%
Small business loans and finance receivables 38.8% 40.1% 39.0% 39.2% 39.3% 40.8% 42.7% 43.4% 45.6% 43.2% 47.7% 47.3% ERROR:#DIV/0! ERROR:#DIV/0! 47.5%
Total loans and finance receivables revenue 98.6% 98.6% 98.6% 98.6% 98.6% 98.6% 98.8% 98.6% 98.7% 98.7% 98.6% 98.7% ERROR:#DIV/0! ERROR:#DIV/0! 98.7%
Other 1.4% 1.4% 1.4% 1.4% 1.4% 1.4% 1.2% 1.4% 1.3% 1.3% 1.4% 1.3% ERROR:#DIV/0! ERROR:#DIV/0! 1.3%
Total revenue 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% ERROR:#DIV/0! ERROR:#DIV/0! 100.0%

&"-,Bold"Enova International, Inc. Revenue by Product (Unaudited) &8(Dollars in thousands) &G

Income from Ops by Function

2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Domestic & International
Revenue $ 609,889 $ 628,436 $ 689,924 $ 729,551 $ 2,657,800 $ 745,541 $ 764,043 $ 802,678 $ 839,391 $ 3,151,653 $ 875,142 $ 928,927 $ - $ - $ 1,804,069
Change in Fair Value (262,106) (255,980) (287,037) (314,091) (1,119,214) (317,480) (320,556) (339,872) (335,483) (1,313,391) (344,300) (358,786) - - (703,086)
Cost of Revenue (1,917) (2,265) (2,531) (2,424) (9,137) (1,879) (2,029) (2,099) (2,014) (8,021) (1,883) (2,075) - - (3,958)
Net Revenue $ 345,866 $ 370,191 $ 400,356 $ 413,036 $ 1,529,449 $ 426,182 $ 441,458 $ 460,707 $ 501,894 $ 1,830,241 $ 528,959 $ 568,066 $ - $ - $ 1,097,025
Net Revenue Margin 56.7% 58.9% 58.0% 56.6% 57.5% 57.2% 57.8% 57.4% 59.8% 58.1% 60.4% 61.2% ERROR:#DIV/0! ERROR:#DIV/0! 60.8%
Total Operating Expenses Excluding Depreciation and Amortization $ 160,282 $ 173,820 $ 192,417 $ 205,091 $ 731,610 $ 197,483 $ 202,391 $ 206,610 $ 254,782 $ 861,266 $ 259,494 $ 272,785 $ - $ - $ 532,279
Depreciation and Amortization 6,396 5,778 6,000 6,097 24,271 5,988 6,064 6,425 5,518 23,995 5,536 4,766 - - 10,302
Income from Operations $ 179,188 $ 190,593 $ 201,939 $ 201,848 $ 773,568 $ 222,711 $ 233,003 $ 247,672 $ 241,594 $ 944,980 $ 263,929 $ 290,515 $ - $ - $ 554,444
Corporate Services
Total Operating Expenses Excluding Depreciation and Amortization $ 44,529 $ 41,606 $ 44,186 $ 42,553 $ 172,874 $ 46,734 $ 44,613 $ 44,966 $ 51,399 $ 187,712 $ 53,450 $ 49,716 $ 103,166
Depreciation and Amortization 3,867 3,931 4,039 4,099 15,936 4,073 4,284 5,931 3,548 17,836 3,373 3,652 7,025
Income from Operations $ (48,396) $ (45,537) $ (48,225) $ (46,652) $ (188,810) $ (50,807) $ (48,897) $ (50,897) $ (54,947) $ (205,548) $ (56,823) $ (53,368) $ - $ - $ (110,191)
Total
Revenue $ 609,889 $ 628,436 $ 689,924 $ 729,551 $ 2,657,800 $ 745,541 $ 764,043 $ 802,678 $ 839,391 $ 3,151,653 $ 875,142 $ 928,927 $ - $ - $ 1,804,069
Change in Fair Value (262,106) (255,980) (287,037) (314,091) (1,119,214) (317,480) (320,556) (339,872) (335,483) (1,313,391) (344,300) (358,786) - - (703,086)
Cost of Revenue (1,917) (2,265) (2,531) (2,424) (9,137) (1,879) (2,029) (2,099) (2,014) (8,021) (1,883) (2,075) - - (3,958)
Net Revenue $ 345,866 $ 370,191 $ 400,356 $ 413,036 $ 1,529,449 $ 426,182 $ 441,458 $ 460,707 $ 501,894 $ 1,830,241 $ 528,959 $ 568,066 $ - $ - $ 1,097,025
Net Revenue Margin 56.7% 58.9% 58.0% 56.6% 57.5% 57.2% 57.8% 57.4% 59.8% 58.1% 60.4% 61.2% ERROR:#DIV/0! ERROR:#DIV/0! 60.8%
Total Operating Expenses Excluding Depreciation and Amortization $ 204,811 $ 215,426 $ 236,603 $ 247,644 $ 904,484 $ 244,217 $ 247,004 $ 251,576 $ 306,181 $ 1,048,978 $ 312,944 $ 322,501 $ - $ - $ 635,445
Depreciation and Amortization 10,263 9,709 10,039 10,196 40,207 10,061 10,348 12,356 9,066 41,831 8,909 8,418 - - 17,327
Income from Operations $ 130,792 $ 145,056 $ 153,714 $ 155,196 $ 584,758 $ 171,904 $ 184,106 $ 196,775 $ 186,647 $ 739,432 $ 207,106 $ 237,147 $ - $ - $ 444,253

&"-,Bold"Enova International, Inc. Income from Operations by Geography (Unaudited) &8(Dollars in thousands) &G

Loan Balance Recon

2024 2025 2026
First Second Third Fourth First Second Third Fourth First Second Third Fourth
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter
Consumer loan and finance receivable balances, gross:
Company owned $ 1,208,551 $ 1,285,755 $ 1,390,882 $ 1,482,970 $ 1,449,511 $ 1,502,158 $ 1,525,989 $ 1,573,763 $ 1,561,056 $ 1,708,117 $ - $ -
Guaranteed by the Company 13,046 14,941 21,797 23,826 17,954 20,014 20,750 22,349 17,867 23,031
Combined $ 1,221,597 $ 1,300,696 $ 1,412,679 $ 1,506,796 $ 1,467,465 $ 1,522,172 $ 1,546,739 $ 1,596,112 $ 1,578,923 $ 1,731,148 $ - $ -
Small business loan and finance receivable balances, gross:
Company owned $ 2,229,917 $ 2,283,971 $ 2,351,885 $ 2,483,516 $ 2,667,734 $ 2,796,517 $ 2,974,371 $ 3,328,524 $ 3,696,655 $ 3,816,093 $ - $ -
Guaranteed by the Company - - - - - - - - - - - -
Combined $ 2,229,917 $ 2,283,971 $ 2,351,885 $ 2,483,516 $ 2,667,734 $ 2,796,517 $ 2,974,371 $ 3,328,524 $ 3,696,655 $ 3,816,093 $ - $ -
Receivables purchase agreement balances, gross:
Company owned $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Guaranteed by the Company - - - - - - - - - - - -
Combined $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ -
Total loan and finance receivable balances, gross:
Company owned $ 3,438,468 $ 3,569,726 $ 3,742,767 $ 3,966,486 $ 4,117,245 $ 4,298,675 $ 4,500,360 $ 4,902,287 $ 5,257,711 $ 5,524,210 $ - $ -
Guaranteed by the Company 13,046 14,941 21,797 23,826 17,954 20,014 20,750 22,349 17,867 23,031 - -
Combined $ 3,451,514 $ 3,584,667 $ 3,764,564 $ 3,990,312 $ 4,135,199 $ 4,318,689 $ 4,521,110 $ 4,924,636 $ 5,275,578 $ 5,547,241 $ - $ -

&"-,Bold"Enova International, Inc. Reconciliation of GAAP to Non-GAAP Financial Measures - Combined Loan and Finance Receivable Balances (Unaudited) &8(Dollars in thousands) &G

Comb Originations & Balances

2024 2025 2026
First Second Third Fourth Total First Second Third Fourth Total First Second Third Fourth Year to
Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Year Quarter Quarter Quarter Quarter Date
Combined loan and finance receivable originations
Consumer:
Installment loans $ 115,930 $ 127,958 $ 156,294 $ 168,783 $ 568,965 $ 139,491 $ 162,752 $ 212,170 $ 211,866 $ 726,279 $ 177,972 $ 203,592 $ 381,564
Line of credit accounts 301,502 362,682 412,797 432,951 1,509,932 368,754 401,462 377,395 400,839 1,548,450 381,420 487,898 869,318
Total consumer 417,432 490,640 569,091 601,734 2,078,897 508,245 564,214 589,565 612,705 2,274,729 559,392 691,490 - - 1,250,882
Small business 959,935 918,014 1,044,829 1,113,185 4,035,963 1,221,234 1,238,835 1,371,874 1,643,237 5,475,180 1,733,785 1,602,839 3,336,624
Total combined originations $ 1,377,367 $ 1,408,654 $ 1,613,920 $ 1,714,919 $ 6,114,860 $ 1,729,479 $ 1,803,049 $ 1,961,439 $ 2,255,942 $ 7,749,909 $ 2,293,177 $ 2,294,329 $ - $ - $ 4,587,506
2024 2025 2026
First Second Third Fourth First Second Third Fourth First Second Third Fourth
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter
Combined loan and finance receivable balances, gross
Consumer:
Installment loans $ 490,923 $ 491,446 $ 513,063 $ 530,612 $ 523,281 $ 539,127 $ 578,580 $ 611,627 $ 609,822 $ 631,691
Line of credit accounts 730,674 809,250 899,616 976,184 944,184 983,045 968,159 984,485 969,101 1,099,457
Total consumer 1,221,597 1,300,696 1,412,679 1,506,796 1,467,465 1,522,172 1,546,739 1,596,112 1,578,923 1,731,148 - -
Small business 2,229,917 2,283,971 2,351,885 2,483,516 2,667,734 2,796,517 2,974,371 3,328,524 3,696,655 3,816,093
Total combined loan and finance receivable balances, gross: $ 3,451,514 $ 3,584,667 $ 3,764,564 $ 3,990,312 $ 4,135,199 $ 4,318,689 $ 4,521,110 $ 4,924,636 $ 5,275,578 $ 5,547,241 $ - $ -

&"-,Bold"Enova International, Inc. Combined Originations and Loan and Finance Receivables Balances by Product and Customer Group (Unaudited) &8(Dollars in thousands) &G

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