易诺华国际 2026年季度报告

FORM 10-Q (Mark One)☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACTOF 1934 For the quarterly period ended March 31, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACTOF 1934 For the transition period fromto Enova International, Inc. (Exact name of registrant as specified in its charter) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was requiredto submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and“emerging growth company” in Rule 12b-2 of the Exchange Act: Accelerated filerSmaller reporting companyEmerging growth company ☐☐☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒24,884,896 of the Registrant’s common shares, $0.00001 par value, were outstanding as of April 20, 2026. CAUTIONARY NOTE CONCERNING FACTORS THAT MAY AFFECT FUTURE RESULTS This report contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21Eof the Securities Exchange Act of 1934. You should not place undue reliance on these statements. These forward-lookingstatements give current expectations or forecasts of future events and reflect the views and assumptions of senior management withrespect to the business, financial condition, operations and prospects of Enova International, Inc. and its subsidiaries (collectively,the “Company”). When used in this report, terms such as “believes,” “estimates,” “should,” “could,” “would,” “plans,” “expects,”“intends,” “anticipates,” “may,” “forecast,” “project” and similar expressions or variations as they relate to the Company or itsmanagement are intended to identify forward-looking statements. Forward-looking statements address matters that involve risksand uncertainties that are beyond the ability of the Company to control and, in some cases, predict. Accordingly, there are or will beimportant factors that could cause the Company’s actual results to differ materially from those indicated in these statements. Keyfactors that could cause the Company’s actual financial results, performance or condition to differ from the expectations expressedor implied in such forward-looking statements include, but are not limited to, the following: •the effect of laws and regulations targeting our industry that directly or indirectly regulate or prohibit our operations or renderthem unprofitable or impractical;•the effect of and compliance with domestic and international consumer credit, tax and other laws and government rules andregulations applicable to our business, including changes in such laws, rules and regulations, or changes in the interpretationor enforcement thereof, and the regulatory and examination authority of the Consumer Financial Protection Bureau withrespect to providers of consumer financial products and services in the United States;•our ability to consummate the pending acquisition of Grasshopper Bancorp, Inc. and Grasshopper Bank (collectively,“Grasshopper”) and, if consummated, to successfully integrate Grasshopper Bank’s insured bank functionality into ourbusiness and satisfy new regulatory requirements associated with owning an insured bank;•the possibility that the anticipated benefits and synergies of the Grasshopper transaction are not realized when expected or atall, and that the proposed transaction may be more expensive to complete than anticipated, as well as the diversion ofmanagement’s attention prior to and following the consummation of the transaction from ongoing business operations andopportunities;•the effect of and compliance with enforcement actions, orders and agreements issued by applicable regulators;•changes in federal or state laws or regulations, or judicial decisions involving licensing or supervision of commercial lenders,interest rate limitations, the enforceability of choice of law provisions