Enova International (ENVA) Cost of Revenue (2013 - 2026)
Enova International's Cost of Revenue came in at $360.86 million for Q2 2026, up 11.9% from $322.59 million a year earlier and up 4.2% from the prior quarter.
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Analysis
Enova International (ENVA) Cost of Revenue (2013 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Enova International reported Cost of Revenue of $1.39 billion, up 11.1% year-over-year; for FY2025, it came in at $1.32 billion, up 17.1% from FY2024.
- Cost of Revenue has increased in each of the last four years, with a five-year compound annual growth rate of 27.0% (FY2020 to FY2025).
- Going back by year, Cost of Revenue was $1.13 billion in FY2024 (+27.1%), $887.72 million in FY2023 (+43.5%), $618.52 million in FY2022 (+236.8%) and $183.67 million in FY2021 (-54.0%).
- The Q2 2026 figure represents the highest quarterly Cost of Revenue in data going back to Q3 2013.
- Year-over-year, Cost of Revenue has increased for 16 consecutive quarters, with growth averaging 17.3% over the last eight quarters.
- Over the past five years, the year-over-year growth in Cost of Revenue ranged from 6.6% (Q4 2025) to 455.3% (Q1 2022).
- Business Quant data shows ENVA's Cost of Revenue at $346.18 million (Q1 2026), $337.5 million (Q4 2025) and $341.97 million (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Cost of Rev (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.07 Bn | 28.75 Bn | - | - |
| 2 | Orix | 41.51 Bn | 42.01 Bn | 4.68 Bn | 819.48 Mn |
| 3 | Royalty Pharma | 32.73 Bn | 32.65 Bn | - | - |
| 4 | Affirm Holdings | 27.21 Bn | 20.90 Bn | - | - |
| 5 | Synchrony Financial | 23.66 Bn | -44.31 Bn | - | - |
| 6 | Federal National Mortgage Association Fannie Mae | 23.53 Bn | 23.53 Bn | - | - |
| 7 | Royal Gold | 20.00 Bn | 19.23 Bn | 390.45 Mn | 60.09 Mn |
| 8 | Annaly Capital Management | 13.74 Bn | 4.84 Bn | - | - |
| 9 | Ares Capital | 13.33 Bn | 10.76 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.09 Bn | 568.07 Mn | 360.86 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 360.86 Mn |
| Mar 31, 2026 | 346.18 Mn |
| Dec 31, 2025 | 337.50 Mn |
| Sep 30, 2025 | 341.97 Mn |
| Jun 30, 2025 | 322.59 Mn |
| Mar 31, 2025 | 319.36 Mn |
| Dec 31, 2024 | 316.52 Mn |
| Sep 30, 2024 | 289.57 Mn |
| Jun 30, 2024 | 258.25 Mn |
| Mar 31, 2024 | 264.02 Mn |
| Dec 31, 2023 | 258.56 Mn |
| Sep 30, 2023 | 231.75 Mn |
| Jun 30, 2023 | 200.05 Mn |
| Mar 31, 2023 | 197.37 Mn |
| Dec 31, 2022 | 196.06 Mn |
| Sep 30, 2022 | 162.01 Mn |
| Jun 30, 2022 | 143.42 Mn |
| Mar 31, 2022 | 117.04 Mn |
| Dec 31, 2021 | 83.23 Mn |
| Sep 30, 2021 | 73.78 Mn |
API Access
Enova International Cost of Revenue API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=cost-of-revenue&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "cost-of-revenue", "ticker": "ENVA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=cost-of-revenue&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();