The end of an earnings season can be a great time to discover new stocks and assess how companies are handling the current business environment. Let’s take a look at how Enova (NYSE: ENVA) and the rest of the personal loan stocks fared in Q4.

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 8 personal loan stocks we track reported a strong Q4. As a group, revenues beat analysts’ consensus estimates by 3.1% while next quarter’s revenue guidance was 1.1% below.

Amidst this news, share prices of the companies have had a rough stretch. On average, they are down 6.2% 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 $839.4 million, up 15.1% year on year. This print was in line with analysts’ expectations, and overall, it was a strong quarter for the company with a beat of analysts’ EPS and EBITDA estimates.

"Our fourth quarter results capped off another exceptional year for Enova as originations growth and solid credit across our portfolio once again drove strong financial performance," said Steve Cunningham, Enova's CEO.

Enova delivered the weakest performance against analyst estimates of the whole group. The stock is down 7.6% since reporting and currently trades at $145.70.

Read why we think that Enova is one of the best personal loan stocks, our full report is free.

Best Q4: Atlanticus Holdings (NASDAQ: ATLC)

Using data analytics to serve the millions of Americans with less-than-perfect credit scores, Atlanticus Holdings (NASDAQ: ATLC) provides technology and services that help lenders offer credit products to consumers often overlooked by traditional financing providers.

Atlanticus Holdings reported revenues of $609.2 million, up 97.4% year on year, outperforming analysts’ expectations by 7.1%. The business had an exceptional quarter with an impressive beat of analysts’ revenue and EPS estimates.

Atlanticus Holdings delivered the biggest analyst estimates beat and fastest revenue growth among its peers. The market seems happy with the results as the stock is up 20% since reporting. It currently trades at $63.28.

Is now the time to buy Atlanticus Holdings? Access our full analysis of the earnings results here, it’s free.

Weakest Q4: 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 $1.12 billion, up 29.6% year on year, exceeding analysts’ expectations by 6.3%. Still, it was a mixed quarter as it posted a significant miss of analysts’ EPS estimates.

As expected, the stock is down 17.7% since the results and currently trades at $48.90.

Read our full analysis of Affirm’s results here.

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 $129.9 million, up 32.2% year on year. This print topped analysts’ expectations by 2.7%. It was an exceptional quarter as it also logged a beat of analysts’ EPS and EBITDA estimates.

The stock is up 7.3% since reporting and currently trades at $67.21.

Read our full, actionable report on Sezzle 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 $1.01 billion, up 37% year on year. This result beat analysts’ expectations by 2.7%. Overall, it was a very strong quarter as it also produced full-year EPS guidance exceeding analysts’ expectations and an impressive beat of analysts’ EBITDA estimates.

The stock is down 33.6% since reporting and currently trades at $16.16.

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.

Want to invest in winners with rock-solid fundamentals? Check out our Top 6 Stocks and add them to your watchlist. These companies are poised for growth regardless of the political or macroeconomic climate.