Enova International (ENVA) EBT Margin (2013 - 2026)
Enova International (ENVA) posted EBT Margin of 14.15% for Q3 2026, up 0.43 percentage points from 13.73% a year earlier but down 0.93 percentage points from the prior quarter.
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Analysis
Enova International (ENVA) EBT Margin (2013 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, EBT Margin at Enova International was 13.54%, up 1.06 percentage points year-over-year; for FY2025, it was 12.72%, up 2.52 percentage points from FY2024.
- Annual EBT Margin shows a five-year change of -27.45 percentage points (FY2020 to FY2025).
- In prior years, Enova International's EBT Margin was 10.20% in FY2024 (-0.53 pp), 10.73% in FY2023 (-4.97 pp), 15.70% in FY2022 (-12.21 pp) and 27.91% in FY2021 (-12.27 pp).
- Quarterly EBT Margin has run from a low of 7.13% in Q4 2023 to a high of 17.70% in Q1 2022 over five years.
- On a year-over-year basis, EBT Margin has increased in each of the last eight quarters, with an average year-over-year change of +2.05 percentage points over the last eight quarters.
- The strongest year-over-year quarter for EBT Margin in the past five years was Q3 2025, with a gain of 5.68 percentage points; the weakest was Q4 2021, with a drop of 80.63 percentage points.
- According to Business Quant data, EBT Margin for the three prior quarters was 15.08% (Q2 2026), 12.90% (Q1 2026) and 11.77% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.26 Bn | 30.07 Bn | - | 29.17% |
| 2 | Orix | 40.39 Bn | 9.11 Bn | 12.74 Bn | 18.79% |
| 3 | Royalty Pharma | 30.85 Bn | 27.81 Bn | - | 12.09% |
| 4 | Federal National Mortgage Association Fannie Mae | 24.41 Bn | 24.41 Bn | - | 61.04% |
| 5 | Synchrony Financial | 23.65 Bn | -43.98 Bn | - | 24.03% |
| 6 | Affirm Holdings | 23.35 Bn | 17.04 Bn | - | 14.50% |
| 7 | Royal Gold | 21.50 Bn | 20.68 Bn | 390.45 Mn | 65.65% |
| 8 | Annaly Capital Management | 14.39 Bn | 5.35 Bn | - | -114.70% |
| 9 | Ares Capital | 14.00 Bn | 11.75 Bn | - | - |
| 10 | Enova International | 4.43 Bn | 4.03 Bn | 614.36 Mn | 14.15% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 14.15% |
| 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 | 13.76% |
| Sep 30, 2022 | 14.82% |
| Jun 30, 2022 | 17.11% |
| Mar 31, 2022 | 17.70% |
| Dec 31, 2021 | 16.84% |
API Access
Enova International EBT 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=ebt-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-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=ebt-margin&ticker=ENVA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();