ENVA Q3 2025 Earnings Presentation

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© Enova International, Inc. Safe Harbor Statement Cautionary Statement Regarding Risks and Uncertainties That May Affect Future Results This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 about the business, financial condition and prospects of Enova. These forward-looking statements give current expectations or forecasts of future events and reflect the views and assumptions of Enova's senior management with respect to the business, financial condition and prospects of Enova as of the date of this release and are not guarantees of future performance. 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. 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. When used in this release, the words "believes," "estimates," "plans," "expects," "anticipates" and similar expressions or variations as they relate to Enova or its management are intended to identify forward-looking statements. Enova cautions you not to put undue reliance on these statements. Enova disclaims any intention or obligation to update or revise any forward-looking statements after the date of this release. Non-GAAP Financial Information In addition to the financial information prepared in conformity with generally accepted accounting principles in the United States (“GAAP”), Enova provides cash flow from operating activities less net loan and finance receivables originated, acquired and repaid and purchases of property and equipment (“free cash flow”) and net income excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes, stock-based compensation expense and certain other items, as appropriate, that are not indicative of our core operating performance (“Adjusted EBITDA”), which are not considered measures of financial performance under GAAP. Management uses these non-GAAP financial measures for internal managerial purposes and believes that their presentation is meaningful and useful in understanding the activities and business metrics of Enova’s operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of Enova’s business that, when viewed with Enova’s GAAP results, can provide a more complete understanding of factors and trends affecting Enova’s business. Management provides such non-GAAP financial information for informational purposes and to enhance understanding of Enova’s GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of, Enova’s financial statements prepared in accordance with GAAP. This non- GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes. A table reconciling such non-GAAP financial measures is available in the appendix. 2

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Enova at a Glance Founded in 2004, Enova is a leading financial services company providing online lending through its world-class analytics and machine learning algorithms. Enova has been listed on the New York Stock Exchange since 2014. © Enova International, Inc. 3 *Includes pre-acquisition OnDeck customers and loans. 13M+ Customers served since 2004* $65B+ Loans made since 2004* $2.7B 2024 revenue

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© Enova International, Inc. 4 Consistent Shareholder Returns and Value Opportunity Strong Long-Term Shareholder Returns1 Valuation Opportunity Price to 2026 Consensus Adj. EPS (P/E Ratio)2 Price/Earnings-to-Growth (PEG Ratio)3 ENVA 8.2x 0.36 S&P 600 Small Cap Index 14.5 4.00 S&P 600 Financial Sector Index 10.5 1.24 S&P 600 Consumer Finance Index 7.6 1.10 Russell 2000 Index 22.5 1.62 Russell 2000 Financials Index 10.9 0.64 1. Source: Bloomberg as of September 30, 2025 2. Source: Bloomberg market prices and FY2026 publicly available EPS consensus estimates as of September 30, 2025 3. Source: ENVA midpoint guidance for FY2025 Non-GAAP EPS growth rate as disclosed on the Q3 2025 earnings call and Bloomberg for the indices FY2025 publicly available consensus estimates earnings growth rates as of September 30, 2025 37% 9% 7% 12% 9% 7% 0% 10% 20% 30% 40% 50% ENVA S&P 600 Small Cap Index S&P 600 Financial Sector Index S&P 600 Cons. Finance Index Russell 2000 Index Russell 2000 Financials Index 10-Year Average Annual Total Shareholder Return 2016-2025

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© Enova International, Inc. 5 Balanced Growth and Execution Reflected in Financial Performance Q3 2025 #WINS! 1. Combined company Gross A/R on an amortized basis $2B Total company originations in Q3 Meeting customer demand with strong unit economics drove 22% year-over-year growth in originations $4.5B Ending receivables1 20% year-over-year growth 28% Q3 2025 Quarterly Annualized ROE Third consecutive quarter of consolidated ROE greater than 27% $3.36 Q3 Adjusted EPS 37% year-over-year growth in adjusted EPS

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Our Mission Helping hardworking people get access to fast, trustworthy credit. Our Vision Closing the world’s credit gap. © Enova International, Inc. 6

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© Enova International, Inc. 7 Focus on Non–Prime Borrowers, a large, expanding market segment where we have deep experience Diversified Product Offerings unmatched across both underserved non-prime consumers and small businesses Approach to Unit Economics and deploying capital that has delivered industry leading returns Highly Flexible Online-Only Business Model that provides significant operational and financial flexibility Proven Tech & Analytics through powerful proprietary technology and machine-learning enabled analytics Resilient Balance Sheet with solid liquidity, strong tangible capital and laddered debt maturities Licensed, Compliant & Supervised history of lending and servicing operations Enova Investment Highlights

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© Enova International, Inc. Our Products Meet the Needs of Underserved Populations 8 37% 1 in 3 Americans 34% 4x rejection rate Source: Federal Reserve Board, Report last updated May 2025 Source: https://www.bankrate.com/banking/savin gs/emergency-savings-report/ (June 2025) Source: 2023 Small Business Credit Survey, Federal Reserve Banks, published March 2024 Source: https://www.fico.com/blogs/ risk-compliance/average-u-s-fico-score- hits-new-high/ Non-Prime consumers have unexpected expenses and limited savings. Non-Prime consumers are frequently turned down by traditional banks and credit unions. of Americans cannot cover an emergency expense of $400 37% of US Adults Needed to use their emergency savings at some point in the last 12 months of small businesses that apply for a loan from a large bank get rejected Consumers with scores under 680 are rejected 4x more than those with scores of 680-760

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© Enova International, Inc. Large Growth Opportunities in Non-Prime Markets 9 $269B1 U.S. Consumer Loans $279B2 U.S. SMB Loans Enova < 1% of Loan Balances Enova < 1% of Loan Balances Total Unsecured Personal Loan Balances, by Risk Tier Source: TransUnion Credit Industry Insights. Subprime = 300-600, Near Prime = 601-660, Prime = 661-720, Prime Plus = 721-780, Super Prime = 781+ 12% 18% 25% 23% 22% 12% 18% 24% 23% 23% Subprime Near Prime Prime Prime Plus Super Prime Q3 2024 Q3 2025 1. According to TransUnion Credit Industry Insights Data Q3 2025. Does not include secured balances or balances not reported to credit bureaus. 2. According to FDIC Quarterly Banking Profile: C&I Loans (less than $250K) to Small Businesses as of Q2 2025

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© Enova International, Inc. ONLINE Operating Leverage Ability to adjust expenses quickly to adapt to changes in business activity as a result of market conditions Underwriting Direct link to Enova technology and analytics with underwriting using advanced algorithms and multiple data sources Compliance Centralized facilities with supervision through electronic tracking and recordings Customer Safety and Privacy Apply and manage account anytime and anywhere privately from desktop or mobile devices with secure systems to protect sensitive information Highly Flexible Online-Only Business Model 10 Source: American Bankers Association BRICK AND MORTAR Lack of variability in cost structure of physical locations to business activity Costly and difficult supervision and training for multiple locations Limitations & Restrictions Limited Ability to Repay analysis or limited offer based on industry common scoring Safety & Privacy Variables Requires travel to physical location, standing in line to apply for funds in public, storage of records in multiple locations and customer re-visits for account management “More than half of U.S. consumers are conducting their banking via mobile apps more often than any other method. Consumers continue to embrace digital banking channels in 2024 with 55% of bank customers using apps on phones or other mobile devices as their topoption for managing their bank account and 22% using online banking via laptop or PC. The next most popular banking methods include visiting a branch (8%), ATMs (5%) and telephone calls (4%).”

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© Enova International, Inc. Multichannel marketing creates flexibility to optimize customer acquisition and builds longer-term customer relationships Enova Uses Diversified Multichannel Marketing USER EXPERIENCE & CONVERSION Enova measures and monitors website visitor usage metrics and regularly tests website design strategies to improve customer experience and conversion rates. DIGITAL ACQUISITION Online marketing efforts include PPC, display, SEO, marketing affiliate partnerships and mobile advertising. PARTNER MARKETING Enova purchases qualified leads for prospective new customers from a number of online lead providers and independent brokers. TRADITIONAL ADVERTISING Enova uses television, direct mail and radio supported by its analytics capabilities, technology infrastructure and key vendors. 11

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© Enova International, Inc. Machine Learning Models and Automation Are Applied Extensively Across the Customer Life Cycle 12 ACQUISITION ML models trained on 40+ million data points predict likelihood of acquiring a new customer FRAUD DETECTION Automation used to automatically respond to real-time fraud attacks and models retrained daily to learn and mimic the decisions of fraud operations staff UNDERWRITING ML models provide a 40% improvement in repayment predictability versus credit bureau scores alone and 85% of underwriting decisions are fully automated LOAN PROCESSING Underwriting decisions that are not fully automated use ML models to auto verify >80% loans based on electronic bank statements and employment data COLLECTIONS ML models improve collections yield by prioritizing dialers and optimizing settlement strategies 90% of Models are Machine- Learning Enabled The Colossus™ Analytics Engine creates a powerful competitive advantage

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© Enova International, Inc. Proprietary Technology With Better Predictive Performance Than Traditional Credit Models 13 Enova Credit Modeling: Performance vs Standard Scoring 1. ROC Curves—Receiver Operating Characteristics Curves (True Positives versus False Positives). This graph should not be considered to be an indicator of future performance. Depictions of Enova study using a random sample from its NetCredit applicant pool (the “population”). As one moves up the Y axis and along the X axis, more of the population is included. The population is ordered by perceived creditworthiness so that at the bottom left of the graph, only the most creditworthy customers are included in the population. At the top right, 100% of the population is included, with the least creditworthy parts of this population being the last included.

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© Enova International, Inc. Strong Credit Performance Through Economic Downturn 14 Enova’s consistent performance, even amid recent unprecedented times, reflects our solid risk management capabilities on our world-class analytics and technology. 1. Data shown excludes discontinued operations. 2. Amounts as a % of loan balance are determined using period-end balances. 3. Non-GAAP measure. 4. The average combined loan and finance receivable balance is the average of the month-end balances during the period. 5. Amounts as a % of loan and finance receivable balance are determined using period-end balances. Includes OnDeck data beginning October 13, 2020. 6. The average loan and finance receivable balance is the average of the month-end balances during the period. Includes OnDeck data beginning October 13, 2020. Consumer Loans1,2,3,4 Small Business Loans1,5,6 —% 5.0% 10.0% 15.0% 20.0% >30 days delinquent as a % of combined loan and finance receivable balance Charge-offs (net recoveries) as a % of average combined loan and finance receivable balance —% 5.0% 10.0% 15.0% 20.0% >30 days delinquent as a % of loan and finance receivable balance Charge-offs (net recoveries) as a % of average loan and finance receivable balance OnDeck included beginning October 13, 2020

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© Enova International, Inc. Improved Portfolio Risk Profile 15 Enova’s powerful combination of diversified product offerings, world-class risk management capabilities and sophisticated unit economics framework has led to a reduced risk profile while maintaining healthy margins. 1. Data shown excludes discontinued operations 2. Non-GAAP measure 3. The average combined loan and finance receivable balance is the average of the month-end balances during the period. Includes OnDeck data beginning October 13, 2020 Total Company Metrics1,2,3 —% 20.0% 40.0% 60.0% 80.0% —% 4.0% 8.0% 12.0% 16.0% 20.0% Adjusted EBITDA Margin % Total Company Charge-Off % Charge-offs (net recoveries) as a % of average combined loan and finance receivable balance Adjusted EBITDA as a percentage of total revenue

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© Enova International, Inc. Demonstrated Ability to Diversify While Delivering Returns 16 Combined Receivables and Returns1,2 1. Including loans issued as part of our CSO program and, through 2018, loans from discontinued operations. 2. ROE is based on trailing twelve months Adjusted Net Income. 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $4,500 $5,000 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Consumer Installment Loans Consumer Line of Credit Small Business Total Company Return on Equity %

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© Enova International, Inc. Diverse Portfolio of Established Small Businesses 18 ~315K Unique small business clients $583K Median annual revenue 11.5yrs Weighted avg. time in business Diversified Across 900+ industries Broad National Presence Portfolio Balance by Industry1 Reasons for Seeking Business Funding2 1. As of September 30, 2025 all OnDeck Term Loans and Lines of Credit, excluding international 2. As of June 30, 2025, research from Enova, 301 small business owners (non-customer, select all that apply) 18% 15% 11% 10% 8% 8% 6% 5% 4% 15% Construction Professional, Scientific, and Technical Services Health Care and Social Assistance Retail Trade Other Services (except Public Administration) Manufacturing Administrative and Support and Waste Management and Remediation Services Accommodation and Food Services Transportation and Warehousing All Other 60% 46% 41% 36% 33% 27% 24% 17% 6% General cashflow Equipment purchase or repair Increase business revenue Business expansion Cover an unexpected business expense Inventory Hire/Train staff Cover delayed payments from customers Debt consolidation

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© Enova International, Inc. U.S. Small & Medium-Sized Businesses SMB Total Addressable Market (TAM) 19 U.S. Commercial & Industrial Loan Portfolio (at FDIC-insured institutions only) 1. According to US SBA, Office of Advocacy, & SellersCommerce US Small Business Statistics published April 2025 2. 2019 Small Business Credit Survey, Federal Reserve Banks 3. Enova SMB Loan and Finance Receivable Portfolio as of September 30, 2025 4. According to FDIC Quarterly Banking Profile: C&I Loans (less than $250K) to Small Businesses as of Q2 2025 +34M 99.9% of Businesses in the U.S. are SMBs1 $279B 4 Business loans under $250K “75% of loan applications are less than $250K” 2+314K Enova SMB unique U.S. small businesses served +$2.8B 3 Enova SMB loans under $250K

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© Enova International, Inc. Enova Helps Small Business Owners Gain Access to Capital 20 Small Business Gross Accounts Receivable1,2 1. Includes OnDeck originations beginning Q4 2020 after acquisition on October 13, 2020. 2. Gross Accounts Receivables are end of period balances. ($ in Millions) $86 $80 $85 $181 $691 $1,017 $1,797 $2,050 $2,484 $2,352 $2,974 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2024 Q3 2025

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© Enova International, Inc. Enova Is A Market-Leading U.S. Non-Prime Lender 22 10.6M+ Total Consumers Served To Date 589 Weighted Average Vantage® Score $42K Average Personal Income 33% Homeownership Diversified National Presence Broad Across Non-Prime Consumers Top Non-Prime Loan Use: Customer response to ”How would you describe yourself?”: Emergency Expense or Repair Debt Consolidation Regular Expenses/ Monthly Bills Rent/Mortgage Pay a bill to avoid service disconnect 3% 57% 8% 25% 4% American Indian/Alaskan Native White Two or more Races Black or African American Asian/Pacific Islander

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© Enova International, Inc. U.S. Subprime Unsecured U.S. Consumer Total Addressable Market (TAM) 23 U.S. Commercial & Industrial Loan Portfolio (at FDIC-insured institutions only) 1. TransUnion Credit Industry Insights Data Q3 2025 +$32B 1 Over 12% of U.S. Borrowers Have Subprime Credit1 +$49B 1 Over 18% of U.S. Borrowers Have Near Prime Credit1~1% Estimated CashNetUSA share of Subprime market ~2% Estimated NetCredit share of Near Prime market

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© Enova International, Inc. High Quality Consumer Products to Close the Credit Gap 24 Consumer Gross Accounts Receivable1,2 1. Gross Accounts Receivables are end of period balances. 2. Data shown includes CashNetUSA, NetCredit, Align, and Simplic Gross Accounts Receivable $607 $782 $869 $1,086 $629 $941 $1,056 $1,263 $1,507 $1,413 $1,547 2016 2017 2018 2019 2020 2021 2022 2023 2024 Q3 2024 Q3 2025 ($ in Millions)

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© Enova International, Inc. 27 History of Consistent Revenue and Profit Growth Gross Revenue For All Brands1,2,3 Adjusted EBITDA and Margin2,3 ($ in Millions) Margin 18.3% 19.0% 20.8% 23.5% 38.3% 39.2% 25.5% 23.8% 24.7% 25.8% ($ in Millions) 1. From continuing operations using incurred method of accounting in effect through December, 2019. Enova elected the fair valueoption of accounting effective January 1, 2020. 2. Includes OnDeck data beginning October 13, 2020. 3. Adjusted EBITDA defined as net income excluding depreciation, amortization, interest, foreign currency transaction gains or losses, taxes, stock-based compensation expense and certain other items, as appropriate, that are not indicative of our core operating performance. $746 $844 $973 $1,175 $1,084 $1,208 $1,736 $2,118 $2,658 $3,042 $- $500 $1,000 $1,500 $2,000 $2,500 $3,000 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 LTM Q3 2025 $118 $138 $202 $276 $415 $473 $443 $503 $657 $784 $0 $200 $400 $600 $800 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 LTM Q3 2025

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© Enova International, Inc. Demonstrated Operating Leverage Enova Key Metrics1,2,3 28 1. Gross loan and finance receivables balances outstanding include loan arrangements extended by unrelated third parties 2. From continuing operations using incurred method of accounting in effect through December, 2019. Enova elected the fair valueoption of accounting effective January 1, 2020. 3. Includes OnDeck data beginning October 13, 2020. $0 $250 $500 $750 $1,000 $1,250 $1,500 $1,750 $2,000 $2,250 $2,500 $2,750 $3,000 $3,250 $3,500 $3,750 $4,000 $4,250 $4,500 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 LTM Q3 2025 Loans and Finance Receivables Outstanding Revenue O&T and G&A Expenses CAGR: 19% CAGR: 12% CAGR: 25%

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© Enova International, Inc. Domestic Cash Balance (Restricted + Unrestricted) 29 Tangible Capital to Tangible Assets3 Balance Sheet Flexibility Is a Source of Strength 1. Total U.S. debt outstanding at September 30, 2025, of $4,133M, including a $0.4M Letter of Credit in the Revolver. Canadian and Australian OnDeck warehouses and Pangea debt not included. 2. Includes stated final maturity dates for debt outstanding as of September 30, 2025. 3. Tangible Capital / Tangible Assets = [SE – (Goodwill + Intangible Assets)] / [Quarterly Total Tangible Assets]. Tangible Assets is calculated as Total Assets less Goodwill and Intangible Assets. Funding Mix and Capacity1 Enova Debt Maturities2 $250 $250 $250 $250 $250 $169 – – $375 $375 $375 $375 $375 $375 – – $400 $400 $400 $500 $500 $24 $73 $1 $201 $310 $357 $454 $542 $116 $93 $225 $249 $1,031 $1,061 $1,195 $1,344 $111 $215 $87 $320 $300 $606 $1,044 $1,346 $561 $309 $453 $488 $533 $659 $944 $816 2018 2019 2020 2021 2022 2023 2024 Q3 2025 Senior Note 2024 Senior Note 2025 Senior Note 2028 Senior Note 2029 Revolver Utilized Secured Warehouses Term ABS Revolving Capacity $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 2025 2026 2027 2028 2029 2030 2031 2032 Debt Outstanding Available Capacity 11.5% 22.3% 37.8% 38.0% 28.0% 26.2% 25.9% 25.3% 19.7% 19.0% 17.6% 17.8% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0% 45.0% 50.0% $0 $100 $200 $300 $400 $500 $600 $700

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© Enova International, Inc. Proactive Global Compliance Capabilities Enova has a compliance framework that includes: ● Focus on tone from the top to instill an ethical culture ● Centralized team led by experienced compliance professionals: ○ Chief Compliance Officer reports directly to Board of Directors ○ Multiple CRCM/CAMS accreditations ● Policies, procedures and other controls focused on compliance and the fair treatment of customers ● Regulatory framework built into technology platform and the business model ● Training of employees on compliance requirements and transparency around pricing and other key aspects of its products ● A comprehensive risk assessment and monitoring and testing program ● Early warning signals on new regulations and other legal risks 31

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© Enova International, Inc. Balance Sheet 32 Income Statement Key Changes to Financial Reporting Under Fair Value (+) Day 1 Gain on Originations (-) Realized Value on Existing Receivables (-) Net Charge Offs (+) (-) Change in FV Assumptions Revenue – Change in Fair Value Net Revenue Net Revenue Margin % (+) Higher originated principal (at consistent mix) (-) Higher new customer mix (+) Lower credit losses and loss expectations (-) Higher credit losses and loss expectations (+) Lower customer prepayments versus expectations (-) Higher customer prepayments versus expectations Net Revenue margin % Net Revenue margin % Beginning Fair Value Balance Ending Fair Value Balance Originated Principal Principal Payments Change in Fair Value

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© Enova International, Inc. Consolidated Income Statements 33 1. Gain on bargain purchase resulted from OnDeck acquisition closed on October 13, 2020. 2. Unaudited Consolidated Statements of Income 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended YTD (in millions) Dec. 31, Dec. 31, Dec. 31, Dec. 31, Dec. 31, Sept. 30, 2020 2021 2022 2023 2024 20252 Revenue $1,084 $1,208 $1,736 $2,118 $2,658 $2,312 Cost of Revenue / Change in FV (400) (184) (618) (888) (1,128) (984) Net Revenue 684 1,024 1,118 1,230 1,530 1,328 Operating Expenses Marketing 70 271 383 415 524 429 Operations and technology 96 148 174 195 224 191 General and Administrative 141 157 140 160 157 123 Depreciation and amortization 20 35 37 38 40 33 Total Operating Expenses 326 611 734 808 945 776 Income from Operations 358 413 384 422 585 553 Interest expense, net (87) (77) (116) (195) (290) (250) Foreign currency transaction gain (loss) 1 - (1) - (1) - Gain on bargain purchase1 164 - - - - - Equity method investment income (loss) 1 3 6 - (17) 1 Other nonoperating expense (1) (2) (1) - (6) (1) Income before Income Taxes 435 337 272 227 271 302 Provision for income taxes 57 80 65 52 62 73 Net income from continuing operations before noncontrolling interest 378 257 207 175 209 229 Less: Net income (loss) attributable to noncontrolling interest - 1 - - - - Net Income from Continuing Operations $378 $256 $207 $175 $209 $229

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© Enova International, Inc. Consolidated Balance Sheets 34 1. Debt shown is net of deferred loan issuance costs and discounts. 2. Unaudited Consolidated Balance Sheets As of As of As of As of As of As of (in millions) Dec. 31, Dec. 31, Dec. 31, Dec. 31, Dec. 31, Sept. 30, 2020 2021 2022 2023 2024 20252 Assets Cash and restricted cash $369 $226 $178 $377 $323 $357 Loans and finance receivables, net 1,242 1,965 3,019 3,629 4,386 5,013 PP&E, net 79 78 93 109 120 129 Goodwill and Intangible assets, net 294 315 307 298 290 284 Other assets 124 177 184 172 147 179 Total Assets $2,108 $2,761 $3,781 $4,585 $5,266 $5,962 Liabilities and Stockholder’s Equity Debt1 $946 $1,384 $2,259 $2,944 $3,563 $4,106 Other liabilities 243 284 336 401 506 572 Liabilities from discontinued operations - - - - - - Total Liabilities 1,189 1,668 2,595 3,345 4,069 4,678 Total Stockholder’s Equity 919 1,093 1,186 1,240 1,197 1,284 Total Liabilities and Stockholder’s Equity $2,108 $2,761 $3,781 $4,585 $5,266 $5,962

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© Enova International, Inc. Reconciliation of Non-GAAP Financial Measures 35 1. In the fourth quarter of 2020, the Company recorded a gain on bargain purchase related to an acquisition. 2. In the third and fourth quarters of 2020, the Company recorded costs related to an acquisition. 3. In the second quarter of 2022, the Company recorded equity method investment income of $6.3 million ($3.6 million net of tax) that was comprised primarily of a $11.0 million gain generated on Linear's sale of its operating company, partially offset by a $4.4 million loss on the sale of OnDeck Canada. In the third quarter of 2024, the Company recorded an equity method investment loss of $16.6 million ($13.3 million net of tax) related to the write-down of its investment in Linear. 4. In the third quarter of 2024, the Company recorded losses on early extinguishment of debt for $4.7 million ($3.5 million net of tax). 5. In the third quarter of 2021, the Company recorded a gain upon the exit of leased office space. 6. In the fourth quarter of 2023, the Company consented to the issuance of a Consent Order by the Consumer Financial Protection Bureau, or the CFPB, pursuant to which it agreed, without admitting or denying any of the facts or conclusions made by the CFPB, to pay a civil money penalty of $15.0 million, which is nondeductible for tax purposes. Net Income to Adjusted EBITDA 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended 12 Mo. Ended (in millions) Dec. 31, Dec. 31, Dec. 31, Dec. 31, Dec. 31, Sept. 30, (unaudited) 2020 2021 2022 2023 2024 2025 Net income $378.1 $253.7 $207.4 $175.1 $209.4 $293.1 Depreciation and amortization expenses 19.7 35.4 36.9 38.2 40.2 43.0 Interest expense, net 86.5 75.9 115.9 194.8 290.4 327.3 Foreign currency transaction loss (gain) (0.5) 0.4 (0.6) (0.1) 1.1 1.1 Provision for income taxes 57.2 82.7 65.2 52.1 61.7 86.5 Stock-based compensation expense 18.0 21.2 22.0 26.7 31.8 32.9 Gain on bargain purchase1 (164.0) - - - - - Transaction-related costs2 20.0 2.3 0.7 0.8 0.3 - Equity method investment (income) loss3 (0.6) (2.1) (6.4) (0.1) 16.5 (1.1) Other nonoperating expenses4 0.8 1.1 1.3 0.3 5.7 1.0 Lease termination and cease-use costs5 - 3.3 - - - - Regulatory settlement6 - - - 15.2 - - Adjusted EBITDA $415.3 $473.8 $442.8 $503.0 $657.1 $783.8

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Customer first. Best answer wins. Operate as an owner. Thank you. Accountable for results. Top talent and teamwork.

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