Financial Analysis

7. Commitments and Contingencies Litigation On April 23, 2018, the Commonwealth of Virginia, through Attorney General Mark R. Herring, filed a lawsuit in the Circuit Court for the County of Fairfax, Virginia against NC Financial Solutions of Utah, LLC (NC Utah), a subsidiary of the Company. The lawsuit alleged violations of the Virginia Consumer Protection Act relating to NC Utahs communications with customers, collections of certain payments, its loan agreements, and the rates it charged to Virginia borrowers. The plaintiff sought to enjoin NC Utah from continuing its lending practices in Virginia, restitution, civil penalties, and costs and expenses in connection with the same. In January 2026, the parties entered into a Consent Decree to resolve the matter. Under the Consent Decree, NC Utah denied the allegations contained in the complaint and agreed to a payment of $ 3.4 million, comprised of $ 3.1 million in customer restitution, $ 0.2 million in fees and costs and $ 0.1 million in administration expenses. Additionally, NC Utah agreed to modify certain outstanding loans at reduced interest rates and forgive approximately $ 87.0 million of previously charged-off receivables . As the payment of $ 3.4 million had been accrued in prior years and the forgiven loans charged off in prior years, there was no material impact to the Companys consolidated income statements for the three and six months ended June 30, 2026 and 2025. The Company is also involved in certain routine leg …

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4. Income Taxes The Companys effective tax rate for the six months ended June 30, 2026 was relatively flat at 22.5 % compared to 22.4 % for the six months ended June 30, 2025. As of June 30, 2026 , the balance of unrecognized tax benefits, inclusive of interest and penalties, was $ 143.2 million, of which $ 123.3 million is included in Accounts payable and accrued expenses on the consolidated balance sheet, with the remaining $ 19.9 million recorded as a reduction to deferred tax assets. This balance consists of a temporary component of $ 128.8 million, for which there is an equal and offsetting deferred tax asset, and a permanent component of $ 14.4 million, which, if recognized, would favorably affect the effective tax rate in the period of recognition. As of June 30, 2025 , the balance of unrecognized tax benefits, inclusive of interest and penalties, was $ 112.0 million, of which $ 102.0 million was included in Accounts payable and accrued expenses on the consolidated balance sheet, with the remaining $ 10.0 million recorded as a reduction of deferred tax assets. The balance of $ 112.0 million included a permanent component of $ 9.7 million. As of December 31, 2025 , the Company had $ 126.5 million of unrecognized tax benefits, inclusive of interest and penalties, of which $ 103.2 million was included in Accounts payable and accrued expenses on the consolidated balance sheet. The remaining $ 23.3 million was recorded as a reduction to deferred tax assets. The balance of $ …

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3. Long-term Debt The Companys long-term debt instruments and balances outstanding as of June 30, 2026 and 2025 and December 31, 2025, including maturity date, weighted average interest rate and borrowing capacity as of June 30, 2026, were as follows (dollars in thousands): Weighted Outstanding Revolving average Borrowing June 30, December 31, period end date Maturity date interest rate (1) capacity 2026 2025 2025 Funding Debt: ODAS IV 2025-2 Securitization Notes October 2028 November 2032 5.65 % $ 261,434 $ 261,434 $ $ 261,434 ODAS IV 2025-1 Securitization Notes March 2028 April 2032 5.89 % 261,392 261,392 261,392 261,392 ODAS IV 2024-2 Securitization Notes September 2027 October 2031 5.78 % 261,353 261,353 261,353 261,353 2025-A Securitization Notes October 2031 7.29 % 55,593 55,593 163,866 93,331 ODAS IV 2024-1 Securitization Notes May 2027 June 2031 6.84 % 399,574 399,574 399,574 399,574 2024-A Securitization Notes October 2030 8.31 % 26,541 26,541 79,631 45,510 ODAS IV 2023-1 Securitization Notes July 2026 August 2030 7.66 % 227,051 227,051 227,051 227,051 ODR 2022-1 Securitization Facility June 2028 June 2029 7.04 % 420,000 420,000 266,516 202,325 ODR 2021-1 Securitization Facility November 2027 November 2028 6.74 % 246,667 246,667 124,338 202,890 NCR 2022 Securitization Facility October 2026 October 2028 7.89 % 275,000 242,000 79,463 175,194 NCLOCR 2025 Securitization Facility July 2027 July 2028 7.87 % 150,000 150,000 90,000 NCLOCR 2024 Securitization Facility Februar …

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6. Operating Segment Information The Company provides online financial services to non-prime credit consumers and small businesses in the United States and Brazil. The Company has one reportable segment, which is composed of the Companys domestic and international operations and corporate services. The Company has aggregated all components of its business into a single operating segment based on the similarities of the economic characteristics, the nature of the products and services, the nature of the production and distribution methods, the shared technology platforms, the type of customer and the nature of the regulatory environment. The Company's Chief Operating Decision Maker, its Chief Executive Officer , is regularly provided with significant segment expenses at a similar level and category as is disclosed in the Consolidated Statements of Income; as such, separate presentation is not provided in this Note. Geographic Information The following table presents the Companys revenue by geographic region for the three and six months ended June 30, 2026 and 2025 (in thousands): Three Months Ended Six Months Ended June 30, June 30, 2026 2025 2026 2025 Revenue United States $ 903,644 $ 744,927 $ 1,755,185 $ 1,472,687 Other international countries 25,283 19,116 48,884 36,897 Total revenue $ 928,927 $ 764,043 $ 1,804,069 $ 1,509,584 The Companys long-lived assets, which consist of the Companys property and equipment, were $ 140.3 million, $ 127.7 million and $ 132.6 million at J …

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1. Signifi cant Accou nting Policies Nature of the Company Enova International, Inc. and its subsidiaries (collectively, the Company) operate an internet-based lending platform to serve customers in need of cash to fulfill their financial responsibilities. Through a network of direct and indirect marketing channels, the Company offers funds to its customers through a variety of loan and finance receivable products that are primarily unsecured. The business is operated primarily through the internet to provide convenient, fully-automated financial solutions to its customers. The Company provides financing to small businesses through either installment loans or line of credit accounts and originates, guarantees, purchases or purchases a participating interest in consumer installment loans or line of credit accounts. The Company also provides services related to a third-party lenders consumer loan products in Texas by acting as a credit services organization or credit access business on behalf of consumers in accordance with applicable state laws (CSO program). Basis of Presentation The consolidated financial statements of the Company included herein have been prepared on the basis of accounting principles generally accepted in the United States (GAAP) and reflect the historical results of operations and cash flows of the Company during each respective period. The consolidated financial statements include goodwill and intangible assets arising from businesses previously acquired …

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9. Subsequent Events Subsequent events have been reviewed through the date these financial statements were issued.

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