Key Takeaways ENVA saw Q1'26 charge-off ratio fall to 7.6% and delinquencies dip to 7.4% from prior year levels.Net charge-offs still rose to $390.6M as loan growth offset improving ratios.Small business loans at 70% of portfolio heighten sensitivity to credit swings and underwriting.Enova International, Inc. (ENVA) enters 2026 with credit performance in focus after a clear deterioration in 2025. For a lender serving non-prime consumers and small and medium businesses, small shifts in credit metrics can hav ...