Enova International, Inc. (ENVA) · Nov 3, 2026 · Other events

Enova delinquency data flags OnDeck stress despite lower charge-offs

Credit deterioration — 61+ delinquency rate: term loans ~4.25% vs ~4.15%; lines of credit ~3.25% vs ~2.39%

Enova’s new OnDeck credit data shows late-stage delinquencies worsening, especially in lines of credit, even as charge-off rates improve.

Enova is expanding its small-business lending engine through OnDeck, with the small-business receivables book growing rapidly while management has been describing consolidated credit as stable. The October 22, 2026 earnings release already showed stable overall credit metrics, so this filing matters mainly because it exposes the underlying OnDeck portfolio in more detail.

Late-stage delinquency is worsening, particularly in lines of credit. Term-loan balances grew to $1.83 billion from $1.56 billion at December 31, 2025, while the 61+ missed-payment balance rose to $77.9 million from $64.6 million. On a rate basis, that is roughly 4.25% versus 4.15%. Lines of credit show the sharper deterioration: balances grew to $1.39 billion from $939.1 million, while 61+ missed-payment balances doubled to $45.3 million, lifting the rate to roughly 3.25% from 2.39%. The most concerning movement is in 15-44 day delinquencies, which suggests more accounts are entering the later-stage bucket. (Term Loan Delinquency Experience) (Line of Credit Delinquency Experience) 〔0〕

Metric	9/30/2026	12/31/2025	2025
Term-loan unpaid principal balance (Term Loan Delinquency Experience)	$1.835B	$1.558B
Term-loan 61+ delinquency rate (Term Loan Delinquency Experience)	4.25%	4.15%
Line-of-credit unpaid principal balance (Line of Credit Delinquency Experience)	$1.393B	$0.939B
Line-of-credit 61+ delinquency rate (Line of Credit Delinquency Experience)	3.25%	2.39%
Term-loan annualized net charge-off rate (Term Loan Annualized Net Charge-Offs Experience)	12.87%		16.92%
Line-of-credit annualized net charge-off rate (Line of Credit Annualized Net Charge-Offs Experience)	14.50%		15.97%

Charge-offs are improving, but that does not fully offset the delinquency signal. The annualized net charge-off rate declined to 12.87% for term loans and 14.50% for lines of credit versus 16.92% and 15.97% in 2025. The static-pool data also shows several newer vintages tracking below comparable older cohorts at similar seasoning. That is the constructive part of the filing: more late payments are not yet translating into proportionally higher realized losses. But the balance growth is large enough that even modest deterioration in payment behavior can create meaningful future loss dollars. (Term Loan Annualized Net Charge-Offs Experience) (Line of Credit Annualized Net Charge-Offs Experience)

The net read is a modest complication to an otherwise stable credit story, not a reversal. The filing does not show a current loss spike or a broken underwriting model; it shows a fast-growing OnDeck portfolio with a rising delinquency burden, especially in revolving credit, alongside improving realized charge-offs. That is slightly worse than the prior assumption of broadly stable credit, but the data is not severe enough to rewrite Enova’s overall business narrative.

Bottom line: OnDeck is still growing and charge-offs are improving, but the increase in late-stage delinquencies—especially in lines of credit—adds a new credit-risk wrinkle to Enova’s growth story. The filing is mildly negative because the stress is emerging before it has fully appeared in realized losses yet.

What to watch next

Q4 2026 credit-performance update

Original filing on SEC EDGAR

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Revenue $163.3M vs ~$144M expected; adjusted basic EPS $0.07 vs ~$0.04 consensus — a real upside surprise.Income statement
QNX revenue +27% to $80.3M; segment EBITDA $29.0M from $20.5M. “Record performance… core automotive.”Segment — QNX
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Events/ANDE/8-K · Earnings

8-K · Item 2.02 · Earnings

The Andersons — a record Renewables quarter that beat profit expectations

Filed Aug 3, 2026ANDE · NASDAQ

AllSight readBeatPriced in▲ 1.8% since filed · reaction agrees

adj. EPS $2.15 vs ~$1.48 consensus

This filing tests whether The Andersons' sharp profit increase reflects broad operating improvement or a one-off renewable-fuels boost. It also separates strong adjusted earnings and cash generation from the quarter's legal and impairment charges.

The quarter was substantially stronger than both last year and the published earnings expectation. Adjusted EPS reached $2.15, versus $0.24 a year earlier and above the published consensus of about $1.48; reported EPS was $1.65. Adjusted EBITDA more than doubled to $140 million, while sales slipped modestly — the improvement came from margins and operating performance rather than higher revenue. Financial Highlights · Statements of Operations

Q2 ($M, exc. per-share)	Q2 2026	Q2 2025	YoY
Sales & merchandising revenue	3,097.7	3,135.9	−1%
Net income (attributable)	56.6	7.9	+48.7
Diluted EPS	1.65	0.23	+1.42
Adjusted EPS	2.15	0.24	+1.91
Adjusted EBITDA	140.3	65.2	+75.1
Agribusiness adj. pretax	20.3	16.8	+3.5
Renewables adj. pretax	88.4	9.6	+78.8
Cash from operations	487.9	299.3	+188.6
Cash from ops (pre-WC)	112.9	42.9	+70.1

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Cash generation improved and funding capacity is comfortable, while reported earnings still absorbed meaningful non-core costs. Operating cash flow was $488 million ($113 million before working-capital changes); capital spending was $76 million. Adjusted EPS excludes $0.50 of legal-settlement, impairment and transaction items, so the $2.15 adjusted result runs ahead of the $1.65 reported. Leverage stays below the <2.5× debt-to-EBITDA target; no new quantified full-year outlook was given. Cash & Liquidity · Adjusted Net Income

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Enova delinquency data flags OnDeck stress despite lower charge-offs

What to watch next

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