Enova International ENVA
NYSE ENVA
$174.60 -4.56 (-2.55%)
At close: Sep 18, 2026 · 4:00 PM EDT

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

Enova International (ENVA) posted EBT Margin of 15.08% for Q2 2026, up 16.95% on a QoQ basis from 12.9% in Q1 2026, and up 186.0% year-over-year from 5.27% in Q2 2025.

Analysis

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

Enova International has reported EBT Margin for 14 years, with the latest figure at 15.08% in Q2 2026.

  • On a quarterly basis, EBT Margin rose 186.0% year-over-year to 15.08% in Q2 2026; TTM through Jun 2026 was 13.4%, a 231.0% increase from a year earlier, with the FY2025 full-year figure at 12.72%, up 252.0% from the prior year.
  • EBT Margin was 15.08% for Q2 2026 at Enova International, 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.
  • Average EBT Margin over 5 years is 12.61%, with a median of 12.93% recorded in 2023.
  • The sharpest annual moves came in 2022 and 2025: EBT Margin sank 2226 bps in 2022, then jumped 568 bps in 2025.
  • Over 5 years, EBT Margin stood at 13.82% in 2022, then tumbled by 48 bps to 7.13% in 2023, then jumped by 49 bps to 10.61% in 2024, then grew by 11 bps to 11.77% in 2025, then grew by 28 bps to 15.08% in 2026.
  • The last three EBT Margin figures came in at 15.08% (Q2 2026), 12.9% (Q1 2026), and 11.77% (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Synchrony Financial 24.38 Bn 8.19 Bn - 24.62%
2 Affirm Holdings 24.01 Bn 22.38 Bn - 14.50%
3 FirstCash Holdings 9.50 Bn 9.33 Bn 533.67 Mn 11.82%
4 Credit Acceptance 6.00 Bn 5.51 Bn 569.30 Mn 28.70%
5 Slm 4.72 Bn -77.52 Mn - 19.08%
6 Enova International 4.35 Bn 4.22 Bn 568.07 Mn 15.08%
7 Bread Financial Holdings 4.20 Bn -15.89 Bn 957.00 Mn 19.84%
8 StoneCo 2.99 Bn 1.38 Bn 308.97 Mn 19.43%
9 Ezcorp 1.88 Bn 1.57 Bn 246.19 Mn 12.42%
10 Navient 1.64 Bn 275.03 Mn - 22.03%
Historic Data

Historic Data

Download Data
DateValue
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%