Enova International, Inc.

• Repurchased $19 million of common stock under the company’s share repurchase program.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

Management utilizes, and also believes that investors utilize, Adjusted EBITDA Measures to analyze operating performance and evaluate Enova's ability to incur and service debt and Enova's capacity for making capital expenditures.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

(b) In the second quarter of 2025, the Company recorded other nonoperating expense of $1.0 million ($0.8 million net of tax) related to the early extinguishment of debt.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

June 30, December 31, 2026 2025 2025 Assets of consolidated VIEs, included in total assets above Cash and cash equivalents $ 660 $ 432 $ 672 Restricted cash 299,853 291,786 292,826 Loans and finance receivables at fair value 4,953,431 3,490,444 4,227,546 Other receivables and prepaid expenses 27 34 27 Other assets 7,932 7,549 7,547 Total assets $ 5,261,903 $ 3,790,245 $ 4,528,618 Liabilities of consolidated VIEs, included in total liabilities above Accounts payable and accrued expenses $ 16,657 $ 12,457 $ 12,960 Long-term debt 3,545,673 2,597,220 3,015,120 Total liabilities $ 3,562,330 $ 2,609,677 $ 3,028,080 See notes to consolidated financial statements.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

The assets and liabilities related to the VIEs are included in the Company s consolidated financial statements and are accounted for as secured borrowings.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

It does not include the impact of the amortization of deferred loan origination costs or debt discounts.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

“Based on what we are seeing today we’re raising our outlook for the year and we remain focused on continuing to generate sustainable and profitable growth while delivering on our commitment to driving long-term shareholder value and on our mission of helping hardworking people get access to fast, trustworthy credit.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which can provide a more complete understanding of Enova's financial performance, competitive position and prospects for the future.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

Variable Interest Entities As part of the Company s overall funding strategy and as part of its efforts to support its liquidity from sources other than traditional capital market sources, the Company has established a securitization program through its various securitization facilities.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

Fair Value Measurements Recurring Fair Value Measurements The Company uses a hierarchical framework that prioritizes and ranks the market observability of inputs used in its fair value measurements.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

The actual results of Enova could differ materially from those indicated by such forward-looking statements because of various risks and uncertainties applicable to Enova's business, including, without limitation, those risks and uncertainties indicated in Enova's filings with the Securities and Exchange Commission ( SEC ), including our annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

These risks and uncertainties are beyond the ability of Enova to control, and, in many cases, Enova cannot predict all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements.

SEC original ↗Enova International, Inc. — Earnings release (8-K exhibit)EX-99Jul 23, 2026

Forward-looking statements address matters that involve risks and uncertainties that are beyond the ability of the Company to control and, in some cases, predict.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

Readers of this report are encouraged to review the Company s filings with the SEC, including the risks described under Risk Factors contained in the Company s Form 10-K and any updates to those risk factors contained in subsequent Forms 10-Q, to obtain more detail about the Company s risks and uncertainties.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

All forward-looking statements involve risks, assumptions and uncertainties.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026

If one or more events related to these or other risks or uncertainties materialize, or if management s underlying assumptions prove to be incorrect, actual results may differ materially from what the Company anticipates.

SEC original ↗Enova International, Inc. — 10-Q Quarterly report10-QJul 23, 2026