Risk factors
Enova International (ENVA) risk factors
Item 1A of every Enova International, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors63 risks8 new2 dropped9 reworded
Grasshopper merger risks now dominate, covering regulatory approval, deal failure, litigation, and potentially excessive integration costs.
Filed Feb 20, 2026 - FY2024 10-K risk factors57 risks
Enova faces heavy regulatory scrutiny across federal, state, and international jurisdictions impacting its lending operations. Cybersecurity threats and potential disruptions to payment processing systems like ACH pose significant operational risks. Ongoing litigation regarding the true lender model and arbitration agreements could materially alter business operations.
Filed Feb 18, 2025