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NewsRegulatory · ENVA

OnDeck's combined loan book reaches $3.07 billion as front-end term delinquencies ease, ENVA 8-K shows

OnDeck's term loan and line of credit portfolios carried a combined $3.07 billion in unpaid principal balance as of July 31, 2026, Enova International ($ENVA) disclosed in a Regulation FD filing, with the 1-14 missed payment factor on term loans pulling back to 2.10% from 3.55% at year-end 2025. The next confirmable read on credit trajectory is Enova's next quarterly report.

By Miles BroadbentNewsroomSeptember 16, 20262 min readENVA
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Key takeaways

  • OnDeck's combined term loan and line of credit portfolios held $3.07 billion in unpaid principal balance as of July 31, 2026, per Enova International's Regulation FD 8-K filing.
  • The 1-14 missed payment factor on term loans fell to 2.10% of unpaid principal from 3.55% at year-end 2025.
  • The term loan book grew to $1.747 billion across 24,276 active loans, while lines of credit reached $1.319 billion across 58,867 outstanding lines, outpacing term loan growth.
  • The 2024 vintage reached cumulative net charge-offs of 12.27% of original principal at month 24, versus 7.35% for the 2023 vintage.
  • The combined serviced balance of $3.07 billion at July 31, 2026 compares with $753 million as of December 31, 2021, a roughly four-year build led by lines of credit.

OnDeck's term loan and line of credit portfolios carried a combined $3.07 billion in unpaid principal balance as of July 31, 2026, Enova International ($ENVA) disclosed in a Regulation FD filing, with the 1-14 missed payment factor on term loans pulling back to 2.10% from 3.55% at year-end 2025. The next confirmable read on credit trajectory is Enova's next quarterly report.

Portfolio throughput

The term loan book held $1.747 billion across 24,276 active loans at the July month-end, up from $1.558 billion and 23,611 loans at December 31, 2025. The line of credit side is outpacing it. Those balances reached $1.319 billion across 58,867 outstanding lines at July 31, against $939 million and 43,881 lines at year-end 2025 and $557 million and 28,171 lines at year-end 2024. The static pool data show 6,650 term loans with aggregate original principal of $685 million originated in 2026 Q2, compared with 7,753 loans and $761 million in 2025 Q4.

Delinquency and charge-off read

The front-end improvement on term loans was concentrated in the shallowest buckets. The 1-14 missed payment factor dropped to 2.10% of unpaid principal from 3.55% at year-end, and the 30-44 bucket eased to 1.53% from 1.92%. The 45-59 bucket moved the other way, to 1.48% from 1.14%. The total 61-plus DPD dollar balance on term loans came to $69.8 million at July 31, up from $64.6 million at December 31, reflecting the larger portfolio base.

On lines of credit, the 1-14 factor held roughly flat at 3.16% against 3.13% at year-end. The 15-29 bucket improved to 1.97% from 3.91%, while the 60-plus non-write-off, not-paying category edged to 2.00% from 1.49%.

The static pool charge-off tables show the 2024 annual vintage reaching cumulative net charge-offs of 10.66% of original principal at month 12 and 12.27% at month 24. The 2023 vintage settled at 7.35% at the same 24-month mark. More recent cohorts are early in seasoning: the 2026 Q1 vintage logged 3.04% at month six, and the 2026 Q2 cohort was at 0.08% three months in.

The combined serviced balance of $3.07 billion at July 31 compares with a combined $753 million as of December 31, 2021, with lines of credit accounting for the faster-growing portion of that four-year order book build. Whether the 2025 and 2026 origination cohorts season closer to the 2023 vintage's 7.35% or the 2024 vintage's 12.27% at month 24 is what to watch at the next quarterly filing.

About this story

Filed by the newsroom of MarketPR on September 16, 2026. Source: sec.gov. Indicative figures are not investment advice.

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Frequently asked

How large is OnDeck's combined loan portfolio and when was it measured?

OnDeck's combined term loan and line of credit portfolios carried $3.07 billion in unpaid principal balance as of July 31, 2026, as disclosed by Enova International in a Regulation FD filing.

Did term loan delinquencies improve or worsen?

Front-end term loan delinquencies eased, with the 1-14 bucket dropping to 2.10% from 3.55% and the 30-44 bucket easing to 1.53% from 1.92%, though the 45-59 bucket rose to 1.48% from 1.14% and total 61-plus DPD dollars rose to $69.8 million from $64.6 million on the larger base.

How do the loan vintages compare on charge-offs?

The 2024 annual vintage reached cumulative net charge-offs of 10.66% at month 12 and 12.27% at month 24, while the 2023 vintage settled at 7.35% at month 24; newer 2026 Q1 and Q2 cohorts are early in seasoning at 3.04% (month six) and 0.08% (month three).

What is the next thing to watch for confirmation of the credit trend?

The next confirmable read on OnDeck's credit trajectory is Enova's next quarterly report, which will show whether the 2025 and 2026 origination cohorts season closer to the 2023 vintage's 7.35% or the 2024 vintage's 12.27% at month 24.