Enova International (ENVA) EBT Margin (2013 - 2026)
Enova International (ENVA) posted quarterly EBT Margin of 15.08% for Q2 2026, up 186.0% year-over-year from 5.27% in Q2 2025, and up 16.95% quarter-over-quarter from 12.9% in Q1 2026.
Enova International (ENVA) EBT Margin (2013 - 2026) Analysis & Trends
Enova International's EBT Margin history runs 14 years deep, the most recent figure standing at 15.08% for Q2 2026.
- In Q2 2026, EBT Margin rose 186.0% year-over-year to 15.08%; the TTM figure through Jun 2026 stood at 13.4% (up 231.0% YoY), while the FY2025 annual figure was 12.72%, up 252.0% from the prior year.
- EBT Margin for Q2 2026 stood at 15.08%, up from 12.9% in the prior quarter.
- The five-year high for EBT Margin was 17.7% in Q1 2022, with the low at 7.13% in Q4 2023.
- The 5-year median for EBT Margin is 12.93% (2023), against an average of 12.61%.
- The sharpest annual moves came in 2022 and 2025: EBT Margin sank 2226 bps in 2022, then surged 568 bps in 2025.
- Enova International's EBT Margin stood at 13.82% in 2022, then tumbled by 48 bps to 7.13% in 2023, then surged by 49 bps to 10.61% in 2024, then advanced by 11 bps to 11.77% in 2025, then advanced by 28 bps to 15.08% in 2026.
- Business Quant data shows ENVA's EBT Margin at 15.08% in Q2 2026, 12.9% in Q1 2026, and 11.77% in Q4 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 58.74% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 59.14% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 20.73% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 30.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 15.09% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 24.62% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 10.34% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 154.09% |
| 10 | Enova International | 6.40 Bn | 6.28 Bn | 568.07 Mn | 15.08% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 15.08% |
| Mar 31, 2026 | 12.90% |
| Dec 31, 2025 | 11.77% |
| Sep 30, 2025 | 13.73% |
| Jun 30, 2025 | 13.23% |
| Mar 31, 2025 | 12.21% |
| Dec 31, 2024 | 10.61% |
| Sep 30, 2024 | 8.04% |
| Jun 30, 2024 | 11.71% |
| Mar 31, 2024 | 10.60% |
| Dec 31, 2023 | 7.13% |
| Sep 30, 2023 | 10.01% |
| Jun 30, 2023 | 12.97% |
| Mar 31, 2023 | 13.58% |
| Dec 31, 2022 | 13.82% |
| Sep 30, 2022 | 14.82% |
| Jun 30, 2022 | 17.11% |
| Mar 31, 2022 | 17.70% |
| Dec 31, 2021 | 16.84% |
| Sep 30, 2021 | 21.39% |