Looking back on personal loan stocks’ Q1 earnings, we examine this quarter’s best and worst performers, including Enova (NYSE: ENVA) and its peers.
Personal loan providers offer unsecured credit for various consumer needs. The sector benefits from digital application processes, increasing consumer comfort with online financial services, and opportunities in underserved credit segments. Headwinds include credit risk management in unsecured lending, regulatory oversight of lending practices, and intense competition affecting margins from both traditional and fintech lenders.
The 9 personal loan stocks we track reported a strong Q1. As a group, revenues beat analysts’ consensus estimates by 7% while next quarter’s revenue guidance was 0.7% above.
Luckily, personal loan stocks have performed well with share prices up 25.2% on average since the latest earnings results.
Enova (NYSE: ENVA)
Pioneering online lending since 2004 with a massive database of over 65 terabytes of customer behavior data, Enova International (NYSE: ENVA) provides online financial services including installment loans and lines of credit to non-prime consumers and small businesses in the United States and Brazil.
Enova reported revenues of $875.1 million, up 17.4% year on year. This print exceeded analysts’ expectations by 2.8%. Overall, it was a strong quarter for the company with a beat of analysts’ EPS and EBITDA estimates.
Interestingly, the stock is up 38.7% since reporting and currently trades at $235.
Read why we think that Enova is one of the best personal loan stocks, our full report is free.
Best Q1: Sezzle (NASDAQ: SEZL)
Founded in 2016 as an alternative to traditional credit cards for younger shoppers, Sezzle (NASDAQ: SEZL) provides a payment platform that allows consumers to split purchases into four interest-free installments over six weeks at participating retailers.
Sezzle reported revenues of $135.5 million, up 29.2% year on year, outperforming analysts’ expectations by 5.3%. The business had a stunning quarter with full-year EPS guidance exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates.
The market seems happy with the results as the stock is up 112% since reporting. It currently trades at $182.04.
Is now the time to buy Sezzle? Access our full analysis of the earnings results here, it’s free.
Weakest Q1: Affirm (NASDAQ: AFRM)
Founded by PayPal co-founder Max Levchin with a mission to create honest financial products, Affirm (NASDAQ: AFRM) provides a payment network that allows consumers to make purchases and pay for them over time with transparent, flexible installment loans.
Affirm reported revenues of $1.04 billion, up 32.6% year on year, exceeding analysts’ expectations by 4.3%. Still, it was a slower quarter as it posted a significant miss of analysts’ EPS estimates.
Interestingly, the stock is up 24.9% since the results and currently trades at $84.14.
Read our full analysis of Affirm’s results here.
FirstCash (NASDAQ: FCFS)
Offering a financial lifeline to the unbanked and credit-constrained since 1988, FirstCash (NASDAQ: FCFS) operates pawn stores across the U.S. and Latin America while also providing retail point-of-sale payment solutions for credit-constrained consumers.
FirstCash reported revenues of $1.05 billion, up 25.7% year on year. This number topped analysts’ expectations by 4.8%. It was an exceptional quarter as it also produced a solid beat of analysts’ EBITDA estimates and a beat of analysts’ EPS estimates.
The stock is up 4.8% since reporting and currently trades at $222.50.
Read our full, actionable report on FirstCash here, it’s free.
SoFi (NASDAQ: SOFI)
Starting as a student loan refinancing company founded by Stanford business school students in 2011, SoFi Technologies (NASDAQ: SOFI) operates a digital financial platform offering lending, banking, investing, and other financial services to help members borrow, save, spend, invest, and protect their money.
SoFi reported revenues of $1.09 billion, up 41.1% year on year. This print surpassed analysts’ expectations by 3.5%. Taking a step back, it was a mixed quarter as it also recorded a solid beat of analysts’ EBITDA estimates but EPS in line with analysts’ estimates.
The stock is flat since reporting and currently trades at $18.24.
Read our full, actionable report on SoFi here, it’s free.
Market Update
Late in 2025 into early 2026, there was hand-wringing around artificial intelligence. For software companies, the fear was that AI would erode pricing power and compress margins as new tools made it easier to replicate what once required expensive enterprise platforms. Crypto investors had their own version of the same anxiety: if AI agents could trade, allocate capital, and manage wallets autonomously, what exactly was the long-term value of today’s crypto infrastructure?
These concerns triggered a noticeable rotation away from these sectors and into safer havens. But markets rarely dwell on one narrative for long. Spring 2026 came, and the focus shifted abruptly from technological disruption to geopolitical risk. The US’ conflict with Iran became the dominant driver of market psychology, and when geopolitics takes center stage, the script changes quickly. Investors stop debating growth rates and start worrying about oil supply, inflation, and global stability.
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