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
Download Data
Historic 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% |