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

Enova International (ENVA) posted quarterly EBT Margin of 12.9% for Q1 2026, up 69.0% year-over-year from 7.63% in Q1 2025, and up 135.85% on a QoQ basis from 35.97% in Q4 2025.

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

Enova International (ENVA) has reported EBT Margin for 14 consecutive years, with 12.9% the latest figure, recorded in Q1 2026.

  • In Q1 2026, EBT Margin rose 69.0% year-over-year to 12.9%; the TTM figure through Mar 2026 stood at 0.67% (down 996.0% YoY), while the FY2025 annual figure was 0.01%, down 1018.0% from the prior year.
  • EBT Margin came in at 12.9% for Q1 2026 at Enova International, up from 35.97% in the prior quarter.
  • The five-year high for EBT Margin was 17.7% in Q1 2022, with the low at 42.36% in Q4 2022.
  • Average EBT Margin over 5 years is 6.34%, with a median of 12.21% recorded in 2025.
  • Across the five-year window, EBT Margin jumped 4939 bps in 2023 and slumped 4653 bps in 2025, its largest moves.
  • Year by year, EBT Margin stood at 42.36% in 2022, then jumped by 117 bps to 7.03% in 2023, then surged by 50 bps to 10.55% in 2024, then tumbled by 441 bps to 35.97% in 2025, then surged by 136 bps to 12.9% in 2026.
  • According to Business Quant data, EBT Margin over the past three periods registered 12.9%, 35.97%, and 13.73% for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 63.88%
2 Mastercard 465.55 Bn 455.34 Bn - 57.30%
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 19.98%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 16.68%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 32.10%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 18.14%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 19.03%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 27.07%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 16.65%
10 Enova International - - 528.96 Mn 12.90%

Historic Data

Download Data
DateValue
Mar 31, 2026 12.90%
Dec 31, 2025 -35.97%
Sep 30, 2025 13.73%
Jun 30, 2025 13.23%
Mar 31, 2025 12.21%
Dec 31, 2024 10.55%
Sep 30, 2024 8.04%
Jun 30, 2024 11.71%
Mar 31, 2024 10.60%
Dec 31, 2023 7.03%
Sep 30, 2023 10.01%
Jun 30, 2023 12.97%
Mar 31, 2023 13.58%
Dec 31, 2022 -42.36%
Sep 30, 2022 14.82%
Jun 30, 2022 17.11%
Mar 31, 2022 17.70%
Dec 31, 2021 -75.52%
Sep 30, 2021 21.39%
Jun 30, 2021 39.20%