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| Date | Value |
|---|---|
| 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% |