Enova International, Inc.

Enova International, Inc. is a technology and analytics company that provides online financial services. In 2025, the company extended approximately $7.8 billion in credit or financing to borrowers. As of December 31, 2025, Enova offered or arranged loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. It also offered or arranged financing to small businesses in 49 states and Washington D.C. in the United States. Enova utilizes its proprietary technology, analytics, and customer service to evaluate, underwrite, and fund loans or provide financing. The company serves consumers and small businesses with bank accounts who use alternative financial services due to limited access to traditional credit. Enova launched its online business in 2004 and, through December 31, 2025, has completed approximately 69.3 million customer transactions. It has also collected more than 95 terabytes of currently accessible customer behavior data since launch. The company has diversified its business by expanding markets and financing products, which include installment loans and line of credit accounts. Enova's success is attributed to its advanced technology systems, proprietary analytical models for predicting loan performance, sophisticated customer acquisition programs, and customer service. The company has developed proprietary underwriting systems based on over 21 years of collected data.