What Happened?

Shares of financial technology company Enova International (NYSE: ENVA) jumped 10.3% in the afternoon session after the company reported strong third-quarter 2025 financial results that surpassed Wall Street expectations. 

The financial technology firm's revenue grew 16.3% year-over-year to $802.7 million, meeting analyst estimates. However, the company significantly outperformed on profitability. Adjusted earnings per share (EPS) of $3.36 jumped 37% from the prior year, beating forecasts by nearly 11%. This strong bottom-line performance was driven by a 98.5% year-over-year surge in pre-tax profit. Overall, investors reacted positively to the strong earnings beat and significant growth in profitability, which signaled healthy operational performance for the online lender.

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What Is The Market Telling Us

Enova’s shares are somewhat volatile and have had 12 moves greater than 5% over the last year. But moves this big are rare even for Enova and indicate this news significantly impacted the market’s perception of the business.

The previous big move we wrote about was 24 days ago when the stock dropped 5.4% on the news that the U.S. government hurtled toward a potential shutdown, sparking economic uncertainty and weighing on investor confidence. 

Market volatility increased as a partisan standoff pushed the federal government closer to a shutdown. If lawmakers fail to reach a spending agreement, a shutdown would begin, furloughing thousands of federal workers. This prospect has weighed on investor sentiment, creating a 'risk-off' mood in the markets as traders brace for potential economic disruption. The political uncertainty adds a layer of caution for investors heading into the final day of the month. 

Adding to the weakness, a key report showed U.S. consumer confidence unexpectedly fell to a five-month low in September. The Conference Board's consumer confidence index slid to 94.2, a steeper drop than analysts had anticipated and its lowest reading since April. This downturn reflects growing pessimism among Americans about inflation and a weakening job market. Consumer confidence is a closely watched economic indicator as it gauges households' willingness to spend. A decline suggests that consumers may pull back on discretionary purchases, such as dining out or shopping for non-essential goods, which could negatively impact the future revenues and profits of companies in these sectors.

Enova is up 31% since the beginning of the year, and at $125.97 per share, it is trading close to its 52-week high of $127.32 from September 2025. Investors who bought $1,000 worth of Enova’s shares 5 years ago would now be looking at an investment worth $7,436.

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