Enova International (ENVA) EBITDA Margin (2013 - 2026)
Enova International's EBITDA Margin came in at 26.01% for Q3 2026, down 0.58 percentage points from 26.60% a year earlier and down 0.88 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) EBITDA Margin (2013 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Enova International reported EBITDA Margin of 25.53%, up 0.32 percentage points year-over-year; for FY2025, it was 25.32%, up 1.21 percentage points from FY2024.
- EBITDA Margin carries a five-year change of -10.69 percentage points (FY2020 to FY2025).
- Going back by year, EBITDA Margin was 24.11% in FY2024 (+1.89 pp), 22.21% in FY2023 (-2.36 pp), 24.57% in FY2022 (-13.07 pp) and 37.64% in FY2021 (+1.63 pp).
- The five-year range for quarterly EBITDA Margin is 18.84% (Q4 2023) to 26.90% (Q2 2026).
- Year-over-year, EBITDA Margin increased in seven of the last eight quarters, with an average year-over-year change of +1.21 percentage points.
- The fastest year-over-year change in EBITDA Margin over five years came in Q4 2024 (a gain of 4.35 percentage points), and the weakest in Q4 2021 (a drop of 25.82 percentage points).
- Business Quant data shows ENVA's EBITDA Margin at 26.90% (Q2 2026), 25.18% (Q1 2026) and 23.82% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.14 Bn | 29.96 Bn | - | 44.58% |
| 2 | Orix | 40.25 Bn | 8.97 Bn | 12.74 Bn | - |
| 3 | Royalty Pharma | 30.75 Bn | 27.71 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 24.05 Bn | 24.05 Bn | - | - |
| 5 | Synchrony Financial | 23.61 Bn | -44.01 Bn | - | 47.01% |
| 6 | Affirm Holdings | 23.13 Bn | 16.82 Bn | - | 20.76% |
| 7 | Royal Gold | 21.05 Bn | 20.22 Bn | 390.45 Mn | 83.49% |
| 8 | Annaly Capital Management | 14.35 Bn | 5.31 Bn | - | 52.57% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Enova International | 4.37 Bn | 3.98 Bn | 614.36 Mn | 26.01% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 26.01% |
| Jun 30, 2026 | 26.90% |
| Mar 31, 2026 | 25.18% |
| Dec 31, 2025 | 23.82% |
| Sep 30, 2025 | 26.60% |
| Jun 30, 2025 | 25.99% |
| Mar 31, 2025 | 24.92% |
| Dec 31, 2024 | 23.19% |
| Sep 30, 2024 | 24.47% |
| Jun 30, 2024 | 25.11% |
| Mar 31, 2024 | 23.77% |
| Dec 31, 2023 | 18.84% |
| Sep 30, 2023 | 21.08% |
| Jun 30, 2023 | 24.54% |
| Mar 31, 2023 | 25.17% |
| Dec 31, 2022 | 23.75% |
| Sep 30, 2022 | 24.39% |
| Jun 30, 2022 | 24.13% |
| Mar 31, 2022 | 26.29% |
| Dec 31, 2021 | 25.92% |
API Access
Enova International EBITDA Margin 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=ebitda-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "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=ebitda-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();