Enova International (ENVA) EBITDA Margin (2013 - 2026)

Enova International (ENVA) posted quarterly EBITDA Margin of 23.67% for Q1 2026, up 61.0% year-over-year from 14.7% in Q1 2025, and up 142.39% on a QoQ basis from 55.82% in Q4 2025.

Enova International (ENVA) EBITDA Margin (2013 - 2026) Analysis & Trends

Enova International (ENVA) has reported EBITDA Margin for 14 consecutive years, with 23.67% the latest figure, recorded in Q1 2026.

  • In Q1 2026, EBITDA Margin rose 61.0% year-over-year to 23.67%; the TTM figure through Mar 2026 stood at 3.64% (up 13.0% YoY), while the FY2025 annual figure was 3.77%, up 41.0% from the prior year.
  • EBITDA Margin came in at 23.67% for Q1 2026 at Enova International, up from 55.82% in the prior quarter.
  • The five-year high for EBITDA Margin was 24.51% in Q3 2025, with the low at 55.82% in Q4 2025.
  • Average EBITDA Margin over 5 years is 5.47%, with a median of 22.28% recorded in 2024.
  • The largest YoY upside for EBITDA Margin was 2638 bps in 2022 against a maximum downside of 2442 bps in 2022.
  • Year by year, EBITDA Margin stood at 45.56% in 2022, then retreated by 4 bps to 47.44% in 2023, then declined by 8 bps to 51.08% in 2024, then decreased by 9 bps to 55.82% in 2025, then soared by 142 bps to 23.67% in 2026.
  • According to Business Quant data, EBITDA Margin over the past three periods registered 23.67%, 55.82%, and 24.51% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBITDA Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 64.42%
2 Mastercard 465.55 Bn 455.34 Bn - 58.43%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 18.77%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 17.81%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 28.77%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 13.91%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 15.79%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 24.11%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 15.96%
10 Enova International - - 528.96 Mn 23.67%

Historic Data

Download Data
DateValue
Mar 31, 2026 23.67%
Dec 31, 2025 -55.82%
Sep 30, 2025 24.51%
Jun 30, 2025 24.10%
Mar 31, 2025 23.06%
Dec 31, 2024 -51.08%
Sep 30, 2024 22.28%
Jun 30, 2024 23.08%
Mar 31, 2024 21.45%
Dec 31, 2023 -47.44%
Sep 30, 2023 18.81%
Jun 30, 2023 22.34%
Mar 31, 2023 22.61%
Dec 31, 2022 -45.56%
Sep 30, 2022 21.59%
Jun 30, 2022 21.93%
Mar 31, 2022 23.53%
Dec 31, 2021 -71.94%
Sep 30, 2021 26.93%
Jun 30, 2021 46.35%